Four brands. One AI stack.
Each brand below is run as its own consumer business with its own category and its own voice. What they share is the kornugle stack underneath.
Klave is where the kornugle stack was first deployed in production. Three years of continuous operation, real customers, real capital, real default behavior measured against real conditions. Klave proved the model end-to-end before the US verticals were built.
klave.lat →
Cubierto is a US Hispanic insurance brokerage. Auto, home, life, and commercial coverage. Live in six states. ITIN-friendly.
cubierto.ai →
Finazo is the editorial and comparison surface for US Hispanic households across the financial product set — auto, home, mortgage, credit, life, investing, and the categories adjacent to them.
finazo.us →
Hogares is the US Hispanic mortgage surface, in build. Pre-license. Information only — no quotes, no applications, no rates published until licensing completes.