AngelAi Announces Official IP Asset Portfolio Valuation of $119 Billion

Global Portfolio Supports Deterministic & Purpose-Built (TLM) Transactional Language Model with over 110 Patent Assets and Reinforcing Its Position as Fintech's Most Defensible AI Platform

NEW YORK CITY, NY / ACCESS Newswire / October 21, 2025 / AngelAi, the category-defining deterministic fintech AI platform, today announced its official intellectual property valuation, solidifying its position as one of the most IP-rich ventures in the AI economy. With over 105 globally issued and pending patents, AngelAi offers a rare combination of enforceable technology assets and proven market traction.

Unlike many AI and fintech startups that rely on hype-driven valuations, AngelAi's worth-ranging from $63 billion (base case) to $119 billion (comparable model)-is grounded in critical IP and revenue-generating products. The valuation was conducted by Liquidax Capital, LLC, a leading IP asset management firm.

"We've never seen an AI company with this depth and breadth of patent coverage," said Daniel Drolet, Managing Partner at Liquidax Capital. "The technology is proven, and the portfolio is unmatched. There is no comparable AI technology we have seen-only comparable market transactions and income models."

AngelAi's capital structure is debt-free and profitable, further reinforcing its valuation. Central to this is its deterministic modeling architecture, which delivers explainable, bias-resistant AI decisions in regulated financial domains.

A Ring-Fenced IP Portfolio

AngelAi's patent portfolio spans core lending, mortgage automation, and over 20 financial applications including credit repair, insurance, payments, blockchain, and DeFi. Its ethical AI architecture is designed for transparency and trust-qualities essential for regulators and institutions.

This IP foundation creates a defensible moat, shielding AngelAi from replication and enabling strategic licensing across adjacent industries.

Founder Investment and R&D Commitment

AngelAi also announced that Founder & CEO Pavan Agarwal has personally invested over $125 million since 2012 into Celligence, the R&D arm behind AngelAi. This funded development, validated IP assets, and trained proprietary AI models . In addition, the brand investment has been independently valued at $375 million for a total investment of approximately $500+ million to date. This long-term commitment has enabled AngelAi to emerge as a live, revenue-generating platform with over 250,000 registered users.

Proven Traction in Mortgage Lending

AngelAi is already battle-tested in one of fintech's most complex sectors: mortgage lending. The platform has facilitated over $34 billion in funded mortgages. Its affiliate, Sun West Mortgage Company Inc. (NMLS ID 3277), has passed 80 audits over 84 months without a repurchase or an indemnification-an industry rarity.

AngelAi achieves this by encoding decades of lending rules and datasets into its AI, delivering warranted, bias-free approvals with full regulatory compliance.

"AngelAi is bridging the gap between fintech innovation and real-world impact," said Pavan Agarwal, Founder of AngelAi. "In an era of hype-driven valuations, our focus on deep, enforceable IP, revenue and actual market traction sets us apart. The $500+ million investment I made is more than just capital; it is validation of a mission and vision cultivated across 20 years. We're proving that AI can be ethical, profitable, fair, and transformative for everyday people. AngelAi will continue to push the boundaries to bring financial freedom to those long left behind by traditional banking."

Revenue-Generating Product Ecosystem

AngelAi's suite of AI-driven financial products span:

• AI Mortgage Origination & MSR Platform - Core business generating origination fees and long-term servicing income

• AI Real Estate Transactions - AI based model enabling traditional brokerages to decentralize, operate on chain, increase customer loyalty, and deliver greater value to homeowners

• AI Small Business Lending - Referral engine for SBA and SME loans

• Enterprise AI Licensing - B2B SaaS revenue from banks and fintech

• Additional Services - Wealth management, DeFi tools, healthcare financing, credit monitoring, and AI-powered customer service

Vision and Global Impact

AngelAi is scaling rapidly, with capital directed toward customer acquisition, market expansion, and R&D. Its mission is to democratize financial access-serving underserved and unbanked populations globally. From rural communities to gig workers and emerging markets, AngelAi® aims to break down barriers with ethical AI.

"Nothing Is Beyond Reach™" isn't just a slogan-it's a commitment to inclusion, empowerment, and fairness in finance.

Underscoring the valuation is a new white paper from renowned academic and AI Researcher Arin Brahma, PhD, Associate Professor and AI researcher at Loyola Marymount University. https://www.angelai.com/whitepaper/

About AngelAi

AngelAi is the flagship fintech AI platform developed by Celligence International, LLC, the parent company behind its creation and long-term funding. Much like Alphabet serves as the holding company for Google, Celligence is the strategic parent to AngelAi, having invested $125 million since 2012 to build its intellectual property portfolio and foundational AI systems.

As one of the fastest-growing companies in the sector, Celligence has engineered a novel AI comprised of self-generating neural cells that solve complex financial problems in real time. Unlike black-box generative models, AngelAi's architecture is deterministic and explainable, delivering 100% trusted, verifiable answers in high-stakes domains like lending. The platform's capabilities span mortgage lending, personal finance, credit, blockchain, and more; all delivered through an intuitive conversational AI assistant.

AngelAi's mission is to make "AI you can bank on" a reality for everyone, bringing fairness, speed, and transparency to financial services. Nothing Is Beyond Reach™ with AngelAi's empathetic technology at hand.

SOURCE: Celligence / Angel Ai