AICS vs Scarlett: the back office, or the front door?
Scarlett is a serious origination and compliance platform used by large Canadian brokerages. It is built for the file after the client is found. Here is where each one fits, and where they overlap.
Scarlett runs the brokerage. AICS wins and prepares the client.
If you are part of a brokerage or network that already runs on Scarlett, or you need payroll and commission compliance, FINTRAC tools and direct submission to lenders, Scarlett is built for that and AICS does not replace it. If your problem is the work before that, who answers the phone at 8 p.m., who books the discovery call, who collects the documents and keeps the borrower informed, that is what AICS does, and it is priced openly. Most Scarlett users would keep it and add the front door. Solo and small-team brokers who do not need a brokerage-scale back office can run on AICS alone and send the lender package from it.
Answers when you cannot
The AI picks up on the first ring, asks pre-qualification questions, books a discovery call into your calendar and files the call, transcript and summary in your inbox.
Application the borrower can follow
An online application with a document checklist, an AI check of each upload and a status page the borrower can open any time, so they do not call to ask where it stands.
Open, Canadian pricing
One published monthly plan in Canadian dollars. Your CRM database is in Toronto and files are in AWS Canada (Central).
AICS vs Scarlett (Axiom Innovations): feature by feature
Scarlett and AICS overlap on CRM, application and documents. The real differences are AI answering, openness of pricing and brokerage-scale back office. Turn on "Show only the differences" to skip what both do. Scarlett cells reflect its public website as of November 9, 2026; "not found" means we could not see it on its site, not that it does not exist.
| What you get | AI Canadian Solutions | Scarlett (Axiom Innovations) |
|---|---|---|
| Answering your phone and website | ||
| AI answers inbound calls 24/7 | Yes: Yes |
No: None listed on its site |
| Books discovery calls during the call | Yes: Google and Outlook |
No: Not listed |
| AI website chat | Yes: 18 languages |
No: Not listed |
| Outbound AI calls to opted-in clients | Yes: Consent-based campaigns |
No: Not listed |
| Text and email follow-up | Yes: With STOP handling |
Yes: Email and SMS automation, including renewal reminders |
| Application and documents | ||
| Online client application | Yes: Several borrower types, saves as they go |
Yes: Client Mortgage Application |
| Document collection | Yes: Checklist and secure upload, with AI checks of each file |
Yes: Document collection and secure intake |
| Live status for the borrower | Yes: Client status page |
Yes: Status tracking for brokers and borrowers |
| Equifax report read for you | Yes: Borrower uploads; AI flags what matters |
: Equifax and TransUnion integrations listed; reading of uploads not stated |
| Live credit pull inside the platform | No: Not built; the borrower shares their own report |
Yes: Bureau integrations listed |
| Lender submission and back office | ||
| Package or summary sent to a lender | Yes: Summary PDF and secure link, to one or several lenders |
Yes: Yes |
| Direct submission through Filogix or Newton | No: Data download for Velocity and Finmo instead |
Yes: Filogix and Newton integrations |
| AI lender suggestions | Yes: Lender paths for each file |
Yes: Scarlett Genius deal placement |
| Payroll, commissions and FINTRAC tools for a brokerage | No: Not offered |
Yes: Scarlett Pay and FINTRAC module |
| Multi-agent network administration | Partly: Staff logins; not built for large networks |
Yes: Built for brokerages and networks |
| Export or API to other systems | Yes: Webhooks, Zapier and CSV export |
: Says "API ready" |
| Price, language and privacy | ||
| Published pricing | Yes: From C$349/mo with 400 phone minutes |
No: Not published; book a demo |
| Free trial | No: Try the live demo |
Not published: Not stated |
| French | Yes: Phone, chat and website |
Not published: Not found on its site |
| Where client records are stored | Yes: Toronto database, AWS Canada (Central) files |
Not published: Not stated on its website |
| Security attestation | : Canadian hosting; ask us for our security details |
: Says SOC 2 Type 2; we have not seen the report |
| Canadian company | Yes: Yes |
Yes: Toronto |
Scarlett (Axiom Innovations) information comes from its public website, checked November 9, 2026; sources are listed at the bottom of this page. Scarlett (Axiom Innovations) is a trademark of its owner; AI Canadian Solutions is not affiliated with Scarlett (Axiom Innovations). Spot something out of date? Tell us and we will correct it.
What happens when a new buyer calls at 8 p.m.
Scarlett takes over once the file exists. With AICS, this is how the call works on day one:
- The AI answers in your brokerage’s name. On the first ring, with your greeting, in English or French.
- It asks the pre-qualification questions. Purchase or refinance, price range, down payment, income type and timing, without quoting rates or giving advice.
- It books the discovery call. It offers open times from your Google or Outlook calendar and sends the invitation.
- The borrower gets a link to start the application. A secure link with their document checklist and a status page they can open any time.
- You see the file ready. The recording, summary and application land in your inbox. The lender package and summary PDF go out from the same screen when you are ready.
Which one is right for your business?
Both are good products. They are built for different firms.
Choose AI Canadian Solutions if…
- You are a solo broker or a small team and want the phone answered, the application taken and the file tracked in one place.
- You want to see the price before you talk to anyone.
- You want AI chat on your website and French on the phone.
- You want a borrower status page so clients stop calling to ask where things are.
- You would rather call a Canadian team than book a demo and wait for a quote.
Scarlett (Axiom Innovations) may suit you better if…
- You belong to a brokerage or network that already runs on Scarlett.
- You need payroll, commission or FINTRAC tools for a brokerage.
- You submit through Filogix or Newton from inside one platform and want deep lender integrations.
- You want a live credit-bureau pull inside the platform.
- You manage a large group of agents and administrators.
Switching from Scarlett (Axiom Innovations)
You do not have to leave Scarlett. Many brokers will add the front door and keep their submission platform.
- Book a walkthrough. Show us how a lead reaches you today, and the questions you ask first.
- We set up your AI receptionist. Your greeting, pre-qualification questions, hours, transfer rules and the topics it must not discuss.
- Connect your calendar and website. Link Google or Outlook, and add the chat to your site.
- Turn on your online application. Your borrower types, document checklist and the lenders you send to most.
- Point your number at it. Forward your current number, or let us move it from Bell, Rogers or another provider for you (usually 1 to 3 weeks; your current service keeps working until the move).
Frequently asked questions
What is Scarlett?
Does Scarlett answer phone calls with AI?
How much does Scarlett cost?
Can I use AICS and Scarlett together?
Does AICS submit directly to lenders?
Is Scarlett SOC 2 certified?
See the front door in 15 minutes
We will call the AI as a first-time buyer, book a discovery call and show you the application link and status page that go out after.