Sava: Building the Agentic Trust Company

https://www.youtube.com/watch?v=atALz0zwSmY

After I successfully sold Fullstack Academy (YC S12), I started setting up trusts for my family. The experience was eye opening.

By law, every trust must be administered by a trustee. As trust sizes grow larger, the trustee is typically a regulated independent trust company or bank trust department.

Today over $6.5 Trillion dollars are overseen by these professional trustees. Despite the massive size of this industry, the rails consist mostly of spreadsheets and email chains.

I could track a $20 pizza delivery from the kitchen to my door, yet I couldn’t see where my multi-million-dollar trust was in the creation process.

It was phone calls, PDFs and the same forms again and again. It took weeks to open an account. Manual wires, attorneys chasing signatures, wealth advisors blind to the status, distributions took weeks - the whole process felt like high fees for slow work.

Turns out the pain was felt not just by me, but also by the estate attorneys and wealth advisors who had to interact with the trust as part of their jobs.

So I teamed up with Rush Sadiwala and came back to YC (F25) to build Sava, the agentic trust company.

What we’re building

At Sava, we are building an agentic trust company. A trust charter is the government-issued license that allows a trust company to act as a legal trustee: open and administer trusts, hold assets, and make distributions under the law.

We treat that charter like infrastructure.

Think Stripe for fiduciary work: one integration and dashboard to open a trust, fund it, track it in real time, make distributions, and stay compliant.

Our AI agents handle the grunt work: collect data, chase signatures, assemble documents, reconcile positions so that people can focus on making high-quality decisions. Every step is captured in a timestamped audit trail. Agents also enable continuous compliance: risk checks run as data changes. Reviews are prompted automatically. Nothing falls through the cracks.

Why Sava is better

• For Beneficiaries: In the old world, when trust officers turnover, context disappears and beneficiaries have to start from zero. We preserve a living record of preferences, documents, and decisions, so service stays consistent, responses are faster, and mistakes drop.
• For Financial Advisors: Our API moves clean data in and out of custodians and advisor systems. Positions, documents, and status flow in real time. Advisors get real time performance reporting instead of having to call it in and log numbers in spreadsheets.
• For Estate Attorneys: Faster trust creation to meet client tax deadlines, lower friction to set up trusts and a dashboard to keep track of status.

Use Cases

Our vision is to enable applications to be built on top of our trust infrastructure and we are already starting to see this in action:

• Today, a VC-backed wealth-tech company is already integrating Sava’s platform into their workflow. Agents collect client data, auto-fill documents, route them to counsel and the trustee, and keep status live. This replaces PDFs, email back-and-forth, and blackout periods.
• Partnerships with law firms to use our onboarding API. Sava chases signatures, verifies KYC, assembles documents, and shows a clear timeline so lawyers stop juggling phone and email.
• Active partnership discussions with several large national wealth advisor firms are in flight. They will get real-time positions, valuations, and distribution status for client trusts. Today they have none.

How big is this opportunity

Over $6.5T is already managed inside U.S. trusts through independent trust companies and bank trust departments. That is over $25 billion in revenue opportunity per year.

Over the next decade, additional tens of trillions will move between generations as part of the Great Wealth Transfer from boomers to their millennial children. Much of that will be held in trusts, because trusts work: they move wealth across generations, protect assets, and enforce intent.

Today, high costs and complexity keep trusts a tool of the 1%. By turning the charter into software infrastructure, we want to cut friction and open access to the next 20% of America.

Team

Nimit Maru, CEO – 2X YC technical founder. Previously Co-Founder and CEO at Fullstack Academy (S12), acquired for $55M on $1M raised. Experienced the trust industry's dysfunction firsthand post-exit and came back to YC to fix it. UIUC Computer Science, Wharton MBA.

Rush Sadiwala, COO – Experienced founder, previously backed by Kevin Rose at True Ventures. Spent the first 5 years of his career on the buy side in Investment Management. Duke Econ & Chinese, Columbia MBA.

Asks

Are you a customer of trust companies? Are you a fintech, financial advisor or trusts and estates attorney who works with trust companies?

We’d love to work with you at Sava, email us at founders@savahq.com or check out savahq.com.

Important Notice: Sava is not currently a chartered trust company. All references to trust administration services, trust accounts, and related capabilities represent planned offerings that will be available following receipt of our trust charter and required regulatory approvals. No trust services are currently being offered.