TRAMÉLOOM
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Tramé Tech · a Fusion Global Sourcing company · Built for Canada

AI for financial advisors streamlining billing and payments, proposals, onboarding, reporting and accessibility conformance

One platform from scanning a statement to delivering a proposal to onboarding a client — plus the billing, payments, reporting and AI to run the firm around it. And every client-facing artefact ships accessible, because in Canada that is about to stop being optional.

Book a demo → Model your firm's numbers

Priced in CAD · Data resident in Canada · PAD, EFT and Real-Time Rail ready

~108,000Representatives at the 262 investment and mutual fund firms CIRO regulates — the addressable seat count
Dec 5, 2028Federally regulated private-sector digital accessibility conformity deadline under the Accessible Canada Act
$100k / dayMaximum AODA penalty exposure for a non-compliant corporation in Ontario
10 daysMandatory notice before every variable-amount pre-authorized debit — automated by Loom

The wedge

Six Canadian deadlines are converging on the same back office

Most advisor software was designed for a US firm and localised afterwards. Loom is built the other way round: the Canadian obligations are the schema, not a settings page. Here is the countdown your firm is actually running against.

Sources: Accessibility for Ontarians with Disabilities Act reporting cycle; CSA/CCIR Total Cost Reporting notice of publication; Payments Canada Real-Time Rail by-law approval; Accessible Canada Act regulations; Nova Scotia Accessibility Act (Access by Design 2030). Dates and penalty ceilings are as published at the time of writing — confirm current status with counsel before relying on them commercially.

One platform, seven modules

Replace six point solutions — and the spreadsheet holding them together

Each module earns its place alone. Together they remove the re-keying, the reconciliation and the quarter-end scramble that eat an advisory firm's operating margin. Module codenames follow the Tramé weave system.

WEFT — 01

Billing & Payments Flagship

The fee engine most Canadian firms are still running in Excel. Tiered and breakpoint schedules, householding, advance or arrears, proration, refunds, and split payouts to advisors and referral partners — calculated once, auditable forever.

  • AUM, flat-fee, hourly, subscription and hybrid models in one schedule
  • Pre-authorized debit with automated 10-day variable-amount notices
  • EFT and card today; Real-Time Rail wired for Q4 2026 launch
  • Fee-anomaly detection: catches the household you forgot to bill
SHUTTLE — 02

Statement intake

Drop in a custodian or carrier statement. Loom returns clean holdings, book cost and account structure ready for analysis — no manual transcription, no CSV gymnastics.

  • Scanned PDF, native PDF and image capture
  • Book cost and adjusted cost base extraction
  • Confidence scoring with a human review queue
WARP — 03

Proposal & IPS

Current-versus-proposed portfolio comparison, concentration and drawdown analysis, allocation ranges and rebalancing guardrails — output as a client-ready proposal and a defensible Investment Policy Statement.

  • Risk questionnaire to mandate mapping with an audit trail
  • Scenario and stress comparison
  • Firm-branded, accessibility-tagged PDF output
HEDDLE — 04

Onboarding, KYC & AML

Document collection, identity verification, PEP and sanctions screening, e-signature and account opening in one supervised flow — with everything the compliance file will later be asked for.

  • Client-side portal that works on a phone
  • Screening results attached to the client record, not an inbox
  • Supervisor queue with escalation and sign-off
SPOOL — 05

Reporting & Total Cost

Performance, fee and total-cost statements built to the shape of the CSA and CCIR enhancements — so the first enhanced annual report for the 2026 year is a render, not a project.

  • Fund-level and account-level cost aggregation
  • Household roll-ups and bilingual EN / FR output
  • Point-in-time reproducibility for every statement ever sent
SELVEDGE — 06

Accessibility conformance Only on Loom

The edge that stops the fabric unravelling. Every screen, portal and generated document is produced to WCAG 2.2 Level AA, and the evidence is produced with it — so procurement, an accessibility complaint or a bank's vendor review meets a file, not a scramble.

  • Tagged, screen-reader-navigable PDF for proposals, IPS and invoices
  • Accessibility Conformance Report / VPAT generated per release
  • Feedback-process intake and remediation queue with SLA
  • Plain-language and French toggles on all client-facing copy
ATELIER — 07

AI practice assistant

Meeting notes into CRM records, draft client correspondence, next-best-action across the book, and anomaly review across fees and holdings — supervised, logged and reviewable.

  • Every AI output is drafted for review, never auto-sent
  • Prompt, model and reviewer captured in the audit log
  • Firm-controlled retention; client data excluded from training

The run

Statement to signed client to paid invoice, in one continuous file

The same object moves through every step. No export, no re-key, no second source of truth for what the client actually agreed to.

01

Scan the statement

Upload the prospect's existing statements. Loom returns holdings, book cost and account structure ready for analysis.

target ≈ 2 minutes
02

Generate the proposal and IPS

Analyse the current portfolio, build the recommendation with allocation ranges and rebalancing guardrails, and produce the IPS alongside it.

target ≈ 10 minutes
03

Pressure-test it

Concentration risk, scenario comparison, suitability fit against the recorded mandate — with the reasoning captured for the file.

same session
04

Onboard

Straight into document collection, identity and AML verification, e-signature and account opening. The proposal becomes the mandate.

same day
05

Bill, report — and prove it

The mandate becomes the fee schedule. Debits run with their statutory notices, statements render to the total-cost standard, and every artefact leaves the building accessible with its conformance evidence attached.

every cycle, automatically

Billing rails

Built on Canadian payment rules, not localised into them

  • Pre-authorized debit, done properlyRule H1 requires a compliant PAD agreement before the first withdrawal, and at least 10 days' notice before a variable-amount debit. Advisory fees on AUM are variable by definition. Loom stores the agreement, versions it, and issues the notice on schedule for every household, every cycle.
  • Real-Time Rail, wired ahead of launchThe RTR by-law and rules come into force in August 2026 with launch targeted for Q4. Loom's payment abstraction already models ISO 20022 messaging so the rail becomes a configuration change, not a rebuild.
  • Every fee model your book actually usesTiered and breakpoint AUM, flat retainer, hourly, monthly subscription, performance-linked and hybrid — householded, prorated and reconciled against what was actually collected.
  • Total Cost Reporting as an output, not a projectBecause the fee engine and the statement engine share one ledger, the enhanced cost disclosure for the 2026 reporting year renders from data you already hold.
  • Leakage caught before it compoundsUnbilled households, stale breakpoints, schedules that never moved after a transfer-in, and fees charged on de-registered accounts — surfaced as a work queue each cycle.

Q3 fee run — household 4,182

Billable market valueCA$1,842,600.00
Tier 1 — first $1,000,000 @ 100 bpCA$2,500.00
Tier 2 — next $842,600 @ 75 bpCA$1,579.88
Household discount — 2 linked accts−CA$203.99
Proration — acct opened 14 Aug−CA$118.42
Quarterly fee debitedCA$3,757.47
  • PAD agreement v3 on file — signed 11 Mar 2026
  • Variable-amount notice sent 18 Sep — 10 days clear
  • Statement rendered as tagged PDF · WCAG 2.2 AA · EN + FR

Illustrative calculation for demonstration. Figures are not a quote and not advice.

The moat

Accessible-first, because Canada is legislating it firm by firm

Nova Scotia's Accessibility Act targets an accessible province by 2030. The Accessible Canada Act targets a barrier-free Canada by 2040, with digital conformity landing on federally regulated private-sector organisations — banks included — by 5 December 2028. Ontario's AODA already requires WCAG 2.0 AA of private organisations with 50 or more employees. Every advisory firm that sells into a bank channel, bids on a public-sector plan, or simply serves an ageing client base is inside this.

The product is the proofThis page ships a skip link, visible focus, a light and a dark theme, reduced-motion support, real headings and a keyboard-operable calculator. If we could not do it here, you should not believe us about your client portal.
Documents, not just screensProposals, IPS documents, invoices and statements leave as tagged PDFs with reading order, alt text and table headers — the part almost every competitor skips.
Evidence on demandAn Accessibility Conformance Report is generated per release, so a vendor review or a procurement questionnaire is answered from a file rather than a promise.
The feedback process, built inAccessibility legislation asks for a way to receive and act on feedback. Loom ships the intake, the queue, the SLA clock and the annual progress export.
Bilingual by constructionEN and FR client-facing output across portal, statements and correspondence — a hard requirement the moment a firm serves Quebec or a federal channel.
Why it is a margin leverAccessibility conformance is the line item that turns a seat-price conversation into a procurement conversation — where the firm is comparing you to a remediation project, not to a cheaper competitor.

Model it

What Loom is worth to your firm, on your numbers

Move the inputs. Everything recalculates live and every assumption is stated. This is a planning model, not a quote — and not investment, tax or legal advice.

Licensed representatives who would hold a seat.
8
Billable market value, in millions of Canadian dollars.
CA$78M
Billing relationships, after householding.
145
Basis points on billable assets, across the book.
92 bp
Share of billed fees currently lost to missed households, stale breakpoints and manual calculation error. Set this to zero if you are certain your book has none.
1.4%
Time the advisor and their support staff spend on billing, statements, onboarding paperwork and reconciliation.
5.5 h
Salary plus benefits and overhead, in Canadian dollars.
CA$62
Proposal, billing, e-sign, AML and reporting subscriptions Loom absorbs.
CA$210
Usage charges are added on top at CA$4.50 per household per quarterly billing cycle.

Annual impact

Fee leakage recovered—
Admin time reclaimed (60% of hours)—
Point tools retired—
Loom subscription—
Loom usage (PAD + households)—
Hours returned to the firm per year—
—
Net annual gain
Payback period—
Return on platform spend—

Assumptions: 46 working weeks per year; Loom removes 60% of the measured admin hours; usage billed quarterly per household; leakage recovery and hour reduction are firm-supplied estimates, not guaranteed outcomes. Regulatory penalty exposure avoided is deliberately excluded from this total.

Pricing

Published, in Canadian dollars, with the usage line shown

The incumbent's pricing page is a contact form. Ours is a price. Billed annually; monthly billing adds 18%. Minimum three seats.

ATELIER
CA$149
per advisor / month, billed annually
  • Statement intake — 25 per advisor per month
  • Proposal and IPS generation
  • Client portal, WCAG 2.2 AA
  • Standard reporting
  • Email support
Start with Atelier
Most firms land here
PRACTICE
CA$319
per advisor / month, billed annually
  • Everything in Atelier
  • Billing & payments engine — PAD, EFT, card
  • Automated 10-day variable-amount notices
  • Onboarding, KYC and AML screening
  • Total Cost Reporting statements
  • AI practice assistant
  • Named onboarding specialist
Book a Practice demo
INSTITUTION
CA$589
per advisor / month + CA$2,500 / month platform fee
  • Everything in Practice
  • Accessibility conformance suite — ACR/VPAT per release
  • Remediation queue with contractual SLA
  • SSO, SCIM provisioning, granular supervision roles
  • Sandbox and API access
  • Data processing agreement and audit support
  • Dedicated customer success manager
Talk to us about Institution
Usage, charged on top of the plan
LineWhat it coversPrice (CAD)
Household billing cycleFee calculation, statutory notice, debit and reconciliation$4.50
Pre-authorized debitPer successful debit settled$1.10
E-signature envelopePer completed envelope$0.65
Statement scan overageBeyond the plan allowance$1.95
Document remediationLegacy PDF brought to tagged, conformant output$45.00

Prices are the published list for the Canadian market and exclude applicable GST/HST/QST. Multi-year and enterprise agreements are negotiated. Nothing on this page is an offer capable of acceptance.

Trust posture

What is true today, stated plainly

EncryptionTLS 1.3 in transit, AES-256 at rest, envelope-encrypted client documents with per-tenant keys.
Data residencyCanadian region primary with Canadian backup region. No client data leaves the country in normal operation.
SOC 2 Type IIReadiness programme under way; observation window scheduled. We will publish the report date rather than imply a certification we do not yet hold.
AI handlingClient data is excluded from model training. Every AI-assisted output is drafted for human review and logged with its reviewer.
Audit trailImmutable, point-in-time reproducible records for every fee calculation, notice, debit and document version.
Build modelEngineered by Tramé Tech from Banani, Dhaka, with Canadian commercial, compliance and support presence. We say so on the front page rather than in a footnote.

Questions

The ones that actually get asked on the second call

Is this just a Canadian copy of the American advisor platforms?

No — and the difference is structural rather than cosmetic. The US platforms model a fee schedule and then bolt on a payment file. Loom models the Canadian obligation first: a versioned PAD agreement, a variable-amount notice with a statutory clock, a total-cost statement that reconciles to the same ledger the debit came from, and an accessibility conformance artefact attached to the document that left the building. Those are not settings you can enable on a US product.

We already have a billing tool. Why replace it?

Most firms do not have a billing problem in isolation; they have a reconciliation problem between billing, the mandate the client signed, and the statement the client receives. When those live in three systems, quarter-end is a manual join. Loom's argument is that the proposal, the mandate, the fee schedule, the debit and the statement should be one object with one history. If your current tool already does that, the honest answer is that you may not need us yet.

What exactly does the accessibility module do for us commercially?

Three things. It removes a live penalty exposure — AODA penalties reach $100,000 per day for a corporation, and Accessible Canada Act enforcement reaches $250,000 per violation. It clears vendor-review and procurement gates when you sell into a bank, a pension or a public-sector plan, because you can produce a conformance report instead of a promise. And it widens who can actually use your client portal, which for a book with an ageing demographic is not a compliance question at all.

Does the 2030 date apply to my firm?

2030 is Nova Scotia's target for an accessible province under its Accessibility Act; the standards under it are phased in by area. Federally, the Accessible Canada Act targets a barrier-free Canada by 2040, with digital conformity obligations for federally regulated private-sector organisations at 5 December 2028. In Ontario, AODA web obligations already bind private organisations with 50 or more employees. Which of these binds you depends on where you operate, your headcount and whether you are federally regulated or sell to someone who is — that is a question for your counsel, and we will happily map it with you on the call.

How does Real-Time Rail change our billing?

Payments Canada's RTR by-law and rules come into force in August 2026 with launch targeted for the fourth quarter. In practice it means fee settlement stops being a two-to-three-day batch question. Loom's payment layer already speaks ISO 20022 messaging, so adopting the rail is a configuration change on our side rather than a migration on yours.

Who builds this, and does that matter?

Tramé Tech, from Banani in Dhaka, with Canadian commercial and compliance presence. It matters in one direction only: it is why we can publish a price this far below a Toronto-built equivalent and still fund a real accessibility programme. It does not change where your data lives, which is Canada.

What is the implementation actually like?

Two weeks for a single-advisor practice, four to six for a firm with an existing book and legacy fee schedules — most of which is reconciling the schedules you thought you had against the ones you are actually billing. That reconciliation is usually where the first year's fee-leakage recovery comes from.

See the whole run in twenty minutes

A live pass from statement scan to signed mandate to a quarter-end fee run with its notices, statements and conformance evidence attached. Bring one real (redacted) statement and we will run it.

Book a demo →

Or write to hello@trame.tech