A no-app text channel vs. native voice, chat, and email
A health plan member trying to re-enroll before a deadline doesn't want a generic chatbot, they want a specific action completed correctly the first time. Ushur, backed by more than $100 million in funding, built its entire platform around exactly that kind of regulated customer journey, reachable without an app download. Fini competes in the same space with a published rate instead of a sales-quoted one.
In this comparison: What each is · How they differ · Capabilities · Feature by feature · Ease of use · What customers say · The full side-by-side · Which to choose · Compliance · FAQ
What is Fini?
Fini is an AI customer-support agent priced per resolution, backed by Y Combinator and Matrix Partners. It connects natively to your helpdesk, knowledge base, CRM, billing, claims, and EHR systems, reaches a 90% resolution rate at 99% accuracy, and is built to be live in 14 days and fully autonomous in 30. Across its customer base, Fini handles more than 3 million monthly resolutions in fintech and healthcare. The agent works across voice, chat, and email, answers in 130+ languages, and returns a first response in about five seconds.
Pricing starts at $0.49 per resolution, with no per-seat fees, so a team can model its own cost from ticket volume alone, before a sales conversation ever starts.
What is Ushur?
Ushur is a Santa Clara-based customer experience automation platform founded in 2015 by CEO Simha Sadasiva and CTO Henry Peter. The company has raised approximately $100 million to date, per its own June 2024 disclosure, including a $25 million Series B in November 2020 led by Third Point Ventures and a $50 million Series C in February 2023, also led by Third Point Ventures, with participation from 8VC, Aflac Ventures, and Iron Pillar. It is not Y Combinator or Matrix Partners backed.
Ushur's platform is built around goal-driven AI agents that plan, adapt, and execute complete customer journeys, delivered through a proprietary channel it calls "Invisible App," a text-link-triggered mobile experience that requires no app download. The company states more than half its client base is Fortune 500, including Aflac, Cigna, CVS, and United Healthcare, spanning healthcare, insurance, and financial services.
Ushur pricing in 2026
Ushur does not publish pricing anywhere on its site, there is no pricing page in its sitemap, and every conversion path routes to a demo request. The company's go-to-market is entirely enterprise, sales-assisted.
Fini publishes its rate directly: $0.49 per resolution, starting rate, with no per-seat fees and no separate platform charge. A Ushur buyer has to request a demo before learning any number at all. A Fini buyer can model the exact cost of their next 1,000 resolutions from the published rate alone.
What buyers ask | Ushur | Fini |
|---|---|---|
Published price list | ✗ | ✓ |
Price | Not published, quoted per institution | $0.49 per resolution |
Free trial or self-serve | None, demo request only | Not self-serve, staged onboarding team instead |
Vertical served | Healthcare, insurance, financial services | Fintech and healthcare |
Can you model cost before a sales call? | No | Yes |
See Fini's full pricing breakdown for plan details, add-ons, and a resolution calculator.
How Fini and Ushur differ
Fini's $0.49 per resolution is visible before a sales call; Ushur publishes no pricing information at all, no pricing page exists anywhere on its site. Ushur's Invisible App delivers interactive experiences via a text link with no app download required, a genuinely distinctive channel for reaching customers who won't install an app, while Fini instead focuses on native voice, chat, and email as its core channels, with a first response in about five seconds.
The two companies also differ on vertical scope and go-live guarantees. Ushur serves healthcare, insurance, and financial services, and has no general, company-wide go-live SLA published, the only concrete figure found is a single customer moving from proof-of-concept to MVP in under a month. Fini concentrates on fintech and healthcare specifically, with native connections into claims and EHR systems, and publishes a fixed staged rollout (live in 14 days, fully autonomous in 30) for every customer, not just one case study.
Capabilities side by side
Both platforms genuinely execute transactions rather than only answering questions. Ushur's goal-driven agents plan, adapt, and execute complete customer journeys with multi-agent delegation and what it calls an "Agentic Knowledge Layer" unifying data into policy-aware semantic blocks, alongside document automation for extracting data from forms, invoices, and claims. Fini connects natively across helpdesk, CRM, billing, claims, and EHR systems in one connector set, and adds voice as a native channel alongside chat and email.
Ushur names Salesforce and ServiceNow as native integrations alongside unspecified legacy-system connectors, and has a strategic partnership with contact-center vendor Five9. Fini publishes its compliance posture as a fixed certification list rather than a named integration roster, covered in the Compliance section below.
Feature by feature
Feature | Fini | Ushur |
|---|---|---|
Channels | Voice, chat, email | SMS/RCS, voice/IVR, email, web, Invisible App |
Languages | 130+, published | Multiple, exact count not published (one case study cites 4 languages) |
No-app mobile channel | Not a published product line | ✓ (Invisible App) |
Fintech workflows (billing, claims) | ✓, native | ✓, insurance and financial services claims |
Published outcome guarantee | ✓ (90-Day Money-Back Guarantee) | None published |
Published pricing | ✓ | ✗ |
Ease of use and admin experience
Ushur does not publish a general implementation timeline; its Tower Insurance case study cites a proof-of-concept to MVP in under a month, and a $7.2 million refund campaign built by a single business analyst in under a week, but these are single-customer anecdotes rather than a company-wide SLA. Fini's published staged rollout (live in 14 days, fully autonomous in 30) is run by a dedicated onboarding team against a fixed timeline that applies to every customer.
Ushur's own homepage displays a 4.5-star G2 and Capterra rating based on 48 reviews, while a related listing on Software Advice shows 4.5 out of 5 from 31 reviews, a discrepancy likely reflecting different snapshot dates. Both figures are self-reported via Ushur's own site widgets rather than independently pulled, so buyers should confirm current ratings directly on G2 and Capterra.
Fini's differentiators
Published, forecastable pricing
a starting rate of $0.49 per resolution, visible before any sales call, versus Ushur's undisclosed rate.
A fixed, staged rollout for every customer: live in 14 days, fully autonomous in 30
Not just one case study, but a published timeline that applies company-wide.
Fintech and healthcare, built specifically
Native connections into claims and EHR systems built for exactly two regulated industries rather than three at once.
A published outcome guarantee
The 90-Day Money-Back Guarantee ties payment to an 90% resolution rate within 90 days, at a publicly quoted rate.
Ushur's recognized strengths
Ushur earns real credit on specific, well-sourced points. Its HITRUST r2 recertification, achieved April 2025, and ISO 27001 certification, achieved November 2023, represent a genuinely deep compliance investment specific to healthcare and regulated data. Its funding history, roughly $100 million from investors including Third Point Ventures, 8VC, and Aflac Ventures, an insurer investing directly in its own vendor, signals real strategic conviction from a customer-turned-investor. And Ushur has been named a Representative Provider in Gartner's coverage of No-Code AI Agent Builders and recognized across four categories in Gartner's 2025 Hype Cycle for U.S. Healthcare Payers, genuine third-party analyst validation.
What customers say
Ushur's own homepage cites a 4.5-star rating on both G2 and Capterra based on 48 reviews each, though these figures are self-reported via site widgets rather than independently pulled. Its own case studies report up to 85% improvement in engagement rates, email triage reduced from five days to five minutes, and up to 90% reduction in issue resolution times across its customer base, plus a specific claim of 1.5 million members reached within weeks of launch at IEHP. These are Ushur's own reported numbers rather than third-party-audited ones, and should be read as company claims.
The full side-by-side
Fini | Ushur | |
|---|---|---|
Pricing | $0.49 per resolution, starting rate | Not published |
Outcome guarantee | 90-Day Money-Back Guarantee, 90% in 90 days | None published |
Go-live | Live in 14 days, fully autonomous in 30 | No general SLA; one case study cites under a month |
Channels | Voice, chat, email | SMS/RCS, voice/IVR, email, web, Invisible App |
Vertical scope | Fintech and healthcare | Healthcare, insurance, financial services |
Compliance | SOC 2 Type II, ISO 27001, GDPR, HIPAA-BAA-eligible, CCPA under agreement | ISO 27001, HITRUST r2, SOC 2 Type II, HIPAA, GDPR, and PCI DSS claimed |
Backing | Y Combinator, Matrix Partners | ~$100M raised (Third Point Ventures, 8VC, Aflac Ventures) |
Named customers | 3M+ monthly resolutions across fintech and healthcare | Aflac, Cigna, CVS, United Healthcare, Unum |
Which should you choose?
Choose Fini if you want a published, flat per-resolution rate you can model before a sales call, a fixed rollout (live in 14 days, fully autonomous in 30) for every customer, and coverage across both fintech and healthcare workflows including claims and EHR systems. Choose Ushur if you need HITRUST r2-level healthcare compliance specifically, want a no-app mobile channel for hard-to-reach populations, or operate across healthcare, insurance, and financial services all at once.
A useful gut check: if you want to see the exact per-resolution rate before a scoped sales conversation and need fintech-and-healthcare-specific workflows, Fini's published pricing and rollout (live in 14 days, fully autonomous in 30) are built for exactly that situation. If you're a health plan or insurer that needs HITRUST-certified compliance and a text-link channel that reaches members without requiring an app download, Ushur's deeper healthcare-compliance investment is the more relevant comparison. See how Fini also compares against Glia and Hyro, two other regulated-industry platforms in this category.
Compliance
Fini publishes SOC 2 Type II, ISO 27001, GDPR compliance, HIPAA-compliant BAA-eligible contracting, and CCPA availability under agreement, all listed together in one place. Ushur's own newsroom confirms ISO 27001:2022 certification (achieved November 2023) and HITRUST r2 recertification (April 2025) with dated, verifiable press releases. Ushur's compliance pages also state SOC 2 Type II, HIPAA, GDPR, PCI DSS, and WCAG 2.1 AA accessibility compliance, though these specific claims come from general compliance-messaging content rather than a dated press release the way ISO 27001 and HITRUST r2 are documented.
For a healthcare-specific buyer, Ushur's HITRUST r2 certification is a genuinely deeper healthcare-compliance credential than Fini currently publishes, and worth weighing directly if HITRUST is a hard requirement in your procurement process.
Ready to compare on your own data?
The fastest way to know which platform actually fits your ticket volume and compliance requirements is to run the numbers against your own data rather than a vendor's published averages. See Fini's plans or talk to the team about a side-by-side pilot. If you're also weighing another healthcare-focused platform, our Hyro vs Fini comparison covers a similarly regulated-industry alternative, and our explainer on KYC automation covers how onboarding-checks workflows work across this category.
Is Ushur's pricing public?
No. Ushur does not publish pricing anywhere on its site, and no pricing page exists in its sitemap. Fini publishes its rate directly: $0.49 per resolution, starting rate.
Who founded Ushur and when?
Ushur was founded in 2015 (some third-party sources say 2014) by CEO Simha Sadasiva and CTO Henry Peter. The company is headquartered in Santa Clara, California.
How much has Ushur raised?
Ushur has raised approximately $100 million to date, per its own June 2024 disclosure, including a $25 million Series B in November 2020 and a $50 million Series C in February 2023, both led by Third Point Ventures, with participation from 8VC and Aflac Ventures. It is not Y Combinator or Matrix Partners backed.
What is Ushur's Invisible App?
Invisible App is Ushur's term for a text-link-triggered mobile web experience that delivers interactive digital experiences to a customer's smartphone without requiring an app download, per its own platform pages.
Does Ushur serve fintech companies?
Yes, alongside healthcare and insurance. Ushur's named customer list includes Aflac and Freedom Mortgage, spanning insurance, healthcare, and financial services more broadly. Fini serves fintech and healthcare specifically.
How fast can each platform go live?
Fini publishes a staged rollout for every customer: live in 14 days, fully autonomous in 30. Ushur has no general company-wide SLA; its Tower Insurance case study cites a proof-of-concept to MVP timeline of under a month.
Is Ushur HITRUST certified?
Yes. Ushur achieved HITRUST r2 recertification in April 2025 and ISO 27001:2022 certification in November 2023, both confirmed via dated press releases. It also states SOC 2 Type II, HIPAA, GDPR, and PCI DSS compliance on its general compliance pages.
Does Fini offer any guarantee Ushur doesn't?
Fini's 90-Day Money-Back Guarantee ties payment to results, an 90% resolution rate within 90 days, at a publicly quoted rate. No equivalent outcome guarantee was found published on Ushur's site.
Who are Ushur's named customers?
Aflac, Cigna, CVS, United Healthcare, Unum, and Irish Life are among the customers named on Ushur's own site, with more than half its client base reportedly Fortune 500 companies.
Does Ushur have independent reviews on G2 or Capterra?
Ushur's own homepage cites a 4.5-star rating on both G2 and Capterra based on 48 reviews each, though this is self-reported via site widgets. A related Software Advice listing shows 4.5 out of 5 from 31 reviews, a discrepancy worth checking directly before relying on either figure.
