Gesto — AI voice agents for collections
Gesto is an AI voice-agent platform for past-due portfolio recovery: it calls in natural Colombian Spanish, only offers what you authorize, and leaves every call recorded and ready to review.
DEUDOR¿Y si mejor me rebaja un poquito más el total?
AGENTEPuedo ofrecerle hasta el 18% de descuento sobre el saldo — es el máximo autorizado para su caso.
Oferta verificada ✓ — dentro de los límites autorizados
descuento 18% ≤ máx 25% · cuotas 6 ≤ 12
Built for regulated collection entities in Colombia
The problem
Traditional phone collections rest on manual dialing, inconsistent negotiation and weak evidence — three flaws that raise the cost of every peso recovered.
Each agent dials, waits and repeats the same script dozens of times a day. Contact rate depends on available headcount, not on strategy.
Discounts and terms vary by agent, hour and end-of-month pressure. Without limits that hold on their own, negotiation policy is a suggestion.
Incomplete notes and scattered recordings make it expensive to answer a debtor complaint or a regulator's inquiry with verifiable evidence.
The answer
Voice agents call, verify identity and negotiate in natural Colombian Spanish, replying in under one second.
Every offer is checked automatically against the limits you approve — discount, installments, minimum payment. The agent can't promise anything beyond them.
Every call is recorded and transcribed, with a complete record of what was offered and what was agreed — evidence ready if anyone disputes.
How it works
Four steps: upload your portfolio, set your limits, the agents call, and you receive documented agreements with their recordings.
Step 01
Import your Excel or CSV file and check that the data is complete before the first call.
Step 02
Maximum discount, installment count, minimum payment and contact hours. The agent only offers what you authorize.
Step 03
Natural Colombian-Spanish voice, identity verification and respectful negotiation, always inside your limits.
Step 04
Every agreement arrives with its recording, its transcript and the detail of what was offered and accepted.
Product
Portfolio upload, segmentation, negotiation inside your limits, contact hours, live monitoring and complete evidence of every call — all in one place.
Set maximum discount, installments and minimum payment per segment. The agent can't offer anything beyond them — not by mistake, not under pressure.
propuesta · desc 32%BLOQUEADA
propuesta · desc 18%APROBADA ✓
Validación determinista por segmento.
Recording, transcript and a record of every offer and agreement. When a claim comes in, the answer is assembled in minutes, not weeks.
hash-chain verificada ✓
Upload your CSV or XLSX file and get a quality report: valid records, normalized phones and duplicates detected before dialing.
Group debtors by delinquency, balance or history and give each segment its own limits and contact cadence.
Allowed hours, frequency caps and suppression lists are enforced automatically on every call attempt.
Listen to calls in progress, flag quality findings and turn every review into operational feedback.
Each operator's information lives in its own separate space. Your portfolios and debtors never mix with anyone else's.
Colombian accent and pacing, sub-second replies and natural handling of interruptions.
«Con mucho gusto, don Carlos…» es-CO · <1 s
Compliance
Gesto's AI can only offer what you authorize: every offer is checked against your limits before it is spoken, and everything is on record.
Gesto is operating infrastructure for regulated collections. This page describes the product and is not legal advice.
01 · IA
The AI proposes
The agent suggests an offer based on the conversation
02 · VERIFICACIÓN
Gesto checks it
Against the limits you defined
✓ Inside your limits → offered
✕ Outside your limits → blocked and logged
Metrics
Contact rate, promise-to-pay, agreement rate and cost per recovery, computed in real time per portfolio and per segment.
Debtors reached over total dialed, visible per segment and time slot.
Contacts that end in a concrete promise to pay, with date and amount.
Calls that close a payment agreement inside the authorized limits.
Conversations resolved by the agent without escalating to a human.
Illustrative product panel — not guaranteed results or customer averages.
FAQ
Straight answers on negotiation limits, disputes, data isolation and rollout.
You define the limits in the console — maximum discount, installment count, minimum payment — and the system checks every offer against those limits before the agent says it. An offer beyond them is blocked automatically and logged, with date, time and detail.
Gesto records and transcribes 100% of calls and keeps a complete record of every offer and agreement. In a dispute, the operator can reconstruct the entire call — audio, transcript, offers and agreement — and respond with verifiable evidence to the debtor or to the regulator (SIC).
Portfolios are uploaded as CSV or XLSX files from the operator console. Gesto validates the data and delivers a quality report — valid records, normalized phone numbers, duplicates and missing fields — before enabling the first call.
The debtor receives a call in natural Colombian Spanish in which the agent identifies itself, verifies their identity before mentioning the debt, explains the state of the obligation and proposes payment options within authorized limits. The tone is respectful: they can interrupt, ask questions and negotiate as in a human conversation.
A standard Gesto rollout takes weeks, not months: first portfolio upload, your negotiation limits and contact hours, and supervised pilot calls before scaling volume. No technical integration is required to start.
Blog
Spanish-language guides on past-due portfolios, AI collections and the Colombian regulatory framework.
4 min read
Un prompt es una instrucción probabilística; un validador es una garantía. Por qué la negociación de IA en cobranza exige validación determinista.
Read article →
4 min read
Las métricas clave de recuperación de cartera — contact rate, promise-to-pay, tasa de acuerdo, kept-promise y costo por recuperación — y cómo leerlas.
Read article →
4 min read
Usar agentes de voz con IA en cobranza en Colombia exige cumplir la Ley 1266, la Ley 1581 y la vigilancia de la SIC. Esto debe garantizar tu plataforma.
Read article →
Demo
Book a 30-minute demo: we load a test portfolio, you set your negotiation limits, and you hear an agent close an agreement without stepping outside them.