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Cadex Search Engine · Bid Intelligence · Deep Research · Structured Debate

4,280
Documents (Internal + Client)
1,647
Client Profiles
142
Open Bids Tracked
99.2%
Retrieval Accuracy
Document Distribution
By type across all clients
4,280total
Contracts & Agreements (40%)
Proposals & Bids (28%)
Financial Reports (18%)
Compliance & Legal (14%)
Bid Intelligence Pipeline — Q2 2026
From identified to won
Identified by AI142
AI Qualified (>70% match)64
Proposal Drafted28
Submitted19
Won7 · $4.2M

Cadex Search Engine

Search across internal company data and client knowledge base with AI-ranked results.

Bid Intelligence

AI scans directories for open bids, scores them, and drafts proposals.

Deep Research

Multi-source AI research with tiered depth from Standard to Ultra.

Structured Debate

Multi-agent debate with rounds, concessions, and scored verdicts.

Document Library

Browse and manage 4,280 documents with auto-classification and image indexing.

Client Management

Track 1,647 clients with contracts, expiry alerts, and auto follow-ups.

Drop files here or click to upload

AI automatically determines if a document is internal (policies, playbooks, SOPs) or belongs to a client — and files it accordingly. Duplicate files are detected by content hash and skipped.

All (4,280) PDF (1,712) XLSX (1,198) DOCX (856) PPTX (514) Contracts Proposals Compliance Financial
PDF
Master Services Agreement — Meridian Financial
6 pages · 24 chunks · 3 images
XLS
Q1 2026 AR Aging Report — All Clients
4 sheets · 86 chunks · 12 charts
PPT
O2C Sales Playbook v4.2
42 slides · 38 chunks · 28 images
DOC
Reg F Compliance Policy — 2026
12 pages · 18 chunks
PDF
CARMA Advocate — Technical Spec
28 pages · 45 chunks · 6 diagrams
XLS
Skip Trace Performance — Vendor Benchmarks
3 sheets · 22 chunks · 4 charts
PDF
Insurance Recovery SOPs
15 pages · 28 chunks · 2 images
PPT
CADEX Company Overview 2026
28 slides · 32 chunks · 18 images
ClientContractsPortfolio ValueSoonest ExpiryActions
Meridian Financial GroupContracts3Value$2.4MExpiryMay 15, 2026
Northwell Health SystemContracts5Value$3.8MExpiryDec 31, 2026
State of Texas — ComptrollerContracts2Value$5.1MExpirySep 30, 2026
Pacific Manufacturing CorpContracts1Value$890KExpiryApr 28, 2026
HealthFirst Insurance GroupContracts4Value$1.7MExpiryNov 15, 2026
Columbia Agricultural Co-opContracts2Value$1.2MExpiryJan 31, 2027
Riverton Energy LLCContracts1Value$640KExpiryExpired Apr 1
TransGlobal Logistics IncContracts3Value$2.9MExpiryAug 15, 2026
Monitored Sources
SAM.gov (Federal)
State Procurement
County / Municipal
DoD / Military
Fortune 500 RFPs
Healthcare Systems
Banks & Financial Inst.
Insurance Carriers
Manufacturing (OEM)
Email Inbox (RFP alerts)
Utility Companies
Higher Education
Pipeline — Q2 2026
From AI identification to contract won
AI Identified142
AI Qualified (>70%)64
Proposal Drafted28
Submitted19
Won7 contracts · $4.2M TCV
Match Criteria Weights
How AI scores each opportunity
Service Alignment35%
Industry Experience25%
Contract Size Fit20%
Geographic Reach12%
Compliance Reqs8%
Top Opportunities
U.S. Dept. of Veterans Affairs — AR Management Services
FederalAR Management$2.4M Est.
92%
Requirements: End-to-end AR lifecycle for 12 VA medical centers. First-party collections, payment plans, Reg F compliance, e-payment portals, monthly reporting. NAICS 561440.
State of Texas — Delinquent Account Collection Services (Multi-Agency)
State3P Collections$5.1M Est.
88%
Requirements: Third-party collections across 6 state agencies. Bilingual EN/ES. 180+ day aged recovery. SOC 2 Type II. Contingency fee model.
JPMorgan Chase — Consumer Loan Recovery Operations Outsourcing
Banking1P Collections$6.8M Est.
85%
Requirements: White-label first-party recovery for auto/personal loans. Self-service payment portal required. ML-based payment propensity scoring. SOC 2 + PCI DSS.
U.S. Army Corps of Engineers — Vendor Payment Dispute Resolution
DoDDispute Mgmt$890K
61%
Requirements: Dispute resolution for construction vendor payments. ITAR compliance. Secret clearance for key personnel.
New Research Query
Recent Reports
CFPB Regulation F — 2026 Compliance Impact
Apr 10, 2026 · 7 sources
PRO
Tier
PRO
Sources
7
Analyst
Claude Opus
Confidence
HIGH
Est. Cost
$1.38

Executive Summary

Updated Regulation F introduces three material changes: stricter electronic opt-in, expanded validation notices, and unchanged call frequency safe harbors. Two areas require immediate updates; one existing practice already exceeds the new standard.

1. Electronic Communication Changes

Affirmative written consent now required before collection emails/texts. 340 active accounts contacted without explicit opt-in. Deadline: July 1, 2026. Risk: $1,000 per violation.

2. Validation Notice Expansion

Must include original creditor name, last 4 digits, and itemized breakdown. Current template lacks itemization — needs update.

Sources

CFPB12 CFR Part 1006 — Jan 2026 Amendment
InternalCollections Policy Manual v4.2
LegalACA International — Reg F 2026 Alert
Skip Tracing Vendor Benchmarks — Accuracy Comparison
Apr 5, 2026 · 9 sources
ULTRA

Executive Summary

Comparison of five vendors against current 64.2% hit rate. Two vendors could improve hit rate by 12-18% at comparable cost.

New Debate
Choose depth tier, then toggle data sources agents draw evidence from.
Past Debates
Digital-First vs Phone-First Collection Strategy
Apr 8, 2026 · 3 rounds · 3 agents
Consensus:
87%
Rounds
3
Agents
3
Consensus
87.3%
Criticality
High
Cost
$0.74
Agent Alpha GPT-5.4 Pro
7/10
Digital-first is the strategic direction. Response rates 53% higher than phone for early-stage accounts, with 70x lower cost per contact.
  • Email/SMS response rate 53% higher for accounts <90 days
  • TCPA litigation up 22% YoY
  • Digital cost: $0.04 vs $2.80 per live call
Agent Bravo Claude Opus
8/10
Phone remains essential for high-balance aged accounts. $4,200 avg recovery via phone vs $1,550 digital for 120+ day accounts.
  • 34% of portfolio value in high-balance segment
  • Live negotiation enables flexible arrangements
  • Relationship-driven recovery can't be templated
Agent Charlie Gemini 3 Pro
6/10
Binary framing is wrong. Tiered hybrid: digital for early/low, phone for aged/high, escalation path for the middle.
Agent Alpha GPT-5.4 Pro
8/10
Conceding: phone is superior for accounts over $10K. Hybrid model should default digital-first with phone escalation.
Conceded: phone superiority for high-balance accounts
Agent Bravo Claude Opus
9/10
Conceding early-stage digital efficiency. Cost data ($0.04 vs $2.80) is undeniable. Converging on tiered model.
Conceded: digital superiority for early-stage accounts
Agent Charlie Gemini 3 Pro
9/10
Convergence confirmed. Proposing thresholds: digital <90d AND <$5K, phone >120d OR >$10K, hybrid for the middle.
All Agents
9/10
Full agreement on tiered hybrid. 90-day pilot on digital-first segment. Redeploy experienced collectors to high-value segment.

Final Recommendation

Implement a tiered hybrid collection strategy: (1) Digital-first for <90 days AND <$5K; (2) Phone-first for >120 days OR >$10K; (3) Hybrid escalation for the middle with 14-day triggers. Begin with a 90-day pilot.

Consensus Points

  • Digital wins on cost and early-stage response rates
  • Phone wins on high-value recovery and negotiation
  • Binary choice is a false dilemma — segment by account profile
  • 90-day pilot de-risks the transition

Noted Dissents

GPT-5.4 ProMinor: preferred $7,500 threshold
Claude OpusMinor: recommends retention bonuses during transition
In-House Legal vs Outsourced Attorney Network
Mar 30, 2026 · 3 rounds · 3 agents
Consensus:
72%

Final Recommendation

Maintain outsourced network for litigation; hire one in-house attorney for pre-litigation, compliance, and creditor consults. Est. ROI: $140K/yr savings.

Private, Secure, Always Up to Date

Architecture Overview

All your documents stay on your infrastructure — nothing is stored on third-party servers. The AI processes everything locally, and only sends small text snippets to specialized AI models via secure API calls when generating answers.

What's an API call? When you use ChatGPT, you access one model through a subscription. Cadex AI uses multiple specialized models — one optimized for understanding text meaning, another for ranking relevance, another for writing answers. Each model is accessed via a private API key (like a password), not through a consumer subscription. This means you always get the best model for each task, and you can upgrade to newer models the day they release — no waiting.

How is it priced? API calls are billed per token — a token is roughly ¾ of a word (so "payment arrangement" = 2 tokens, a full page of text ≈ 400 tokens). Pricing is per million tokens, typically $0.10 – $15 per million tokens depending on the model. In practice: a single search query costs fractions of a cent. A Pro research report using Claude Opus + Perplexity Sonar + Exa runs ~$1.50. An Ultra debate with 7 premium agents (GPT-5.4 Pro, Claude Opus, Gemini 3 Pro, Grok 3, Mistral Large, Command R+, Qwen 3) across 5 rounds costs ~$12 — less than a single hour of consultant time for analysis that would take a team days.

Think of it as: A subscription gives you one restaurant at a flat monthly fee. API access gives you a food court — you pick the best chef for each dish, and you only pay for what you actually eat.
How Your Data Flows
YOUR SERVERDocuments stored locally · fully private
↓ small text snippet sent via encrypted API ↓
EMBEDDING APIConverts text to meaning coordinates (1,024 numbers)
RERANKING APIAI judge picks the most relevant results
GENERATION APIWrites the final answer with citations
↓ answer returns ↓
YOUR SCREENClear answer with source document citations
1

Read Every Format

Document Parsing & Image Extraction

Cadex AI reads every document format your company uses — including scanned PDFs with OCR (optical character recognition). It preserves tables, headings, and structure. It also extracts and classifies every image inside documents: logos, charts, photos, diagrams, and signatures.

Drop any file in and AI automatically classifies whether it's internal company data (policies, playbooks) or belongs to a specific client — and files it in the right place. If you upload the same file twice, deduplication detects it by content hash and skips the duplicate.

Supported Formats
PDF+ OCR scans
DOCXWord
PPTXPowerPoint
XLSXExcel
CSVData files
TXTPlain text
ImagesPNG/JPG
HTMLWeb pages
Image extraction: Every chart, logo, photo, and diagram inside documents is automatically pulled out, classified by type, and stored per-client for instant retrieval.
2

Break It Into Smart Pieces

Tokenization & Chunking

Documents are split into focused passages at natural boundaries — headings, paragraphs, sections. Each passage (~512 tokens) is small enough to be precise but large enough to carry full context.

Within each passage, words are broken into tokens — the smallest units AI can process. "Payment" is one token. "Arrangement" becomes two: "arrange" + "ment". This is how computers read text.

Think of it as: Taking a 28-page contract and creating 45 perfectly organized index cards — each one holding one focused idea, ready to be matched to any question.
How Tokenization Works
Original sentence:
"The debtor's payment arrangement of $1,450/month"
Becomes 10 tokens:
Thedebtor'spaymentarrangementof$1,450/month
A 28-page contract (≈12,000 tokens) becomes ~45 chunks of ≈512 tokens each, split at natural section boundaries.
3

Map the Meaning

Vector Embeddings (1,024 Dimensions)

Each chunk is sent to the Embedding API, which returns a list of 1,024 numbers — a "meaning fingerprint." Similar ideas produce similar numbers, even when the words are completely different.

These numbers are stored in a vector database with an HNSW index that can search across millions of fingerprints in under 100 milliseconds.

Think of it as: GPS coordinates for ideas. "Monthly payment plan" and "recurring installment schedule" land at nearly the same spot on the meaning map — even though they share zero words.
Meaning → Numbers
"monthly payment"
...×1,024
"recurring installment"
...×1,024
✓ 97.3% similarity — nearly identical meaning fingerprints
4

Find the Best Match

Hybrid Search + AI Reranking

Your question gets its own embedding. Then two independent searches run simultaneously:

Meaning search finds the 100 chunks with the closest fingerprints — catches paraphrased or differently-worded information.

Keyword search (BM25) finds chunks containing exact terms like names, numbers, and codes — catches specific identifiers meaning search might miss.

Results are merged using Reciprocal Rank Fusion, then the Reranking API reads each candidate and picks the absolute best matches. This achieves 99.2% retrieval accuracy.

Search Pipeline
Q
Your question → embedded into 1,024 numbers
A
Meaning Search → top 100
B
Keyword Search → top 100
Reciprocal Rank Fusion — merge & de-duplicate
AI Reranker reads each candidate, picks the best
Top results → 99.2% accuracy
5

Write the Answer

AI Generation with Citations

The top-matched passages are sent to the Generation API as context. The AI reads them and writes a clear, natural-language answer — citing exactly which document, page, and section each fact came from.

Nothing is fabricated. Every claim is traceable to a source document. The AI only uses information from the passages you gave it — it doesn't guess or make things up.

As better AI models are released — and they're released frequently — Cadex AI can switch to the latest model within hours, not months. You're never locked into yesterday's technology.

Think of it as: A research assistant reading a stack of highlighted pages, writing a clear summary, and noting which page each fact came from. They never add anything that wasn't in the pages.
Example Output

Meridian Financial's current payment arrangement is $1,450/month over 36 months, with a remaining balance of $38,750 as of March 2026. They have a 91.7% on-time payment rate (11 of 12 months).

Sources:
Payment Plan Agreement 2025 — Page 2, Section 3.1
Account Summary Dashboard — Sheet 1, Row 42
Models upgrade seamlessly — when a better model launches, Cadex AI can switch within hours via API key rotation. No downtime, no migration.
6

Deep Research

Multi-Source AI Investigation

Deep Research goes beyond your knowledge base. When you need comprehensive analysis, Cadex AI searches your internal documents AND the web simultaneously, then cross-references findings and synthesizes a structured report.

You choose the depth: Standard (4 sources, fast) up to Ultra (9 sources, 4 independent AI critics that challenge every claim before the report is finalized).

Every finding includes a confidence rating and a direct link to its source — whether that's page 7 of an internal contract or a CFPB regulatory filing found online.

Think of it as: Hiring a team of analysts who read every relevant document in your library AND search the internet, then write a boardroom-ready report overnight — with footnotes.
Research Pipeline
Your Question
"What CFPB changes affect our collections?"
AI breaks into sub-questions, searches in parallel
KB
Your Docs
Internal policies, contracts
WEB
Web Search
Regulations, news, filings
DB
Databases
Industry benchmarks, data
AI Synthesis
Cross-references, resolves conflicts, rates confidence
!
AI Critics Ultra only
Up to 4 independent models challenge every claim
Structured Report
Executive summary, numbered findings, sources, confidence ratings
7

Structured Debate

Multi-Agent Decision Analysis

For decisions where there's no single right answer, Structured Debate assigns multiple independent AI agents — each powered by a different AI model — to argue opposing sides across multiple rounds. You choose the tier:

Standard 3 agents, 3 rounds — fast directional answer
Pro 4 agents, 4 rounds — deeper analysis with more perspectives
Ultra 5+ agents, 5 rounds — exhaustive, adversarial stress-testing

In each round, agents state their position with a confidence score (1-10), present evidence, and directly address each other's arguments. As rounds progress, agents concede points where evidence is convincing, and confidence scores shift in real time.

After the final round: a verdict with the recommended course of action, consensus points, specific dissents, and prioritized action items.

Think of it as: A boardroom with expert consultants from different firms. They debate your question, challenge each other across multiple rounds, and deliver a majority recommendation — showing exactly where they agree, where they don't, and why.
Debate Flow Ultra tier shown
Your Question
"Should we go digital-first or keep phone-first?"
Round 1 — Each agent takes an independent position
A
GPT-5.4 Pro
8/10
B
Claude Opus
8/10
C
Gemini 3 Pro
7/10
D
Grok 3
7/10
E
Mistral Large
7/10
F
Command R+
6/10
G
Qwen 3
6/10
R2-4
Rounds 2–4 — Rebuttals & Concessions
7 agents challenge each other, concede where evidence is strong, confidence shifts across rounds
R5
Round 5 — Adversarial Stress Test
Final positions locked. Dual orchestrators synthesize consensus matrix.
Final Verdict — 91% Consensus
Recommendation + consensus points + dissents + prioritized action items