200 AI agents, humans on standby: Inside Ignosis AI’s debt-collection operation

Ignosis AI operates a debt-collection system using about 200 AI voice agents that manage 70-80% of borrower interactions, deciding when and how to call. Humans intervene only in sensitive or stalled calls, with the system adapting its approach based on borrower data. Founded in 2022, Ignosis raised $4 million in 2025 and serves around 400,000 to 500,000 borrowers monthly.