Done, not assisted
An assistant helps with drafting. The work stays with you. The CoWorker knows your business and completes the case itself.
AI Comparison for Businesses
Copilot suggests.
The CoWorker delivers.
Copilot and Gemini make your tools more convenient, while an AI CoWorker from utxo AG completes the task.
Standard AI · Assistantwaiting for input
Draft a reply to Mr. Meier: quote, delivery date, friendly tone.
Sure! Here's a draft you can review, edit and send yourself …
Sending, filing, following up, still your job
utxo AG · AI CoWorkerActive
Reply to Mr. Meier sent09:41
CRM record updated09:41
Follow-up booked for Tuesday09:42
3 tasks completed, logged and auditable
Why existing tools fall short
AI licences bought.
Processes unchanged.
Off-the-shelf tools like Copilot make existing software more convenient. The chatbot sits next to your systems. It never gets inside. The actual work stays undone.
Workflow rule
Standard case
Unexpected wording
Flow breaks off
Rules, not understanding
Classic automation only works while the case fits the pattern exactly. A different phrasing, missing context, one exception, and the flow breaks off.
Chat session
New
Memoryempty
System access
Task completed
Chatbots forget and don't act
Every session starts from zero, with no access to your systems. And they'd rather offer a plausible guess than an honest follow-up question.
Per-user licencesCost
Seat 1
Seat 2
Seat 3
Licences per user, results for nobody
Per-user pricing grows with the team, including everyone who barely opens the tool. Costs start immediately, measurable improvement rarely follows.
Head-to-head comparison
CoWorker vs. off-the-shelf AI
Neither approach is universally better. They solve different problems. The key question: what outcome do you actually need?
Criterion
RecommendedAI CoWorker by utxo AGIndividually developed
MS Copilot / Google AI / SAPOff-the-shelf
Customisation
Complete: developed for one specific process and one specific business
Configurable, but core behaviour is fixed by the vendor
Memory & context
Persistent: knows your business, customers and open cases; grows with every deployment
Every session starts from zero, with no memory across sessions
System integration
Deep: ERP, CRM, files, email, internal APIs; model-agnostic (Anthropic + Mistral)
Shallow: mainly the Microsoft or Google ecosystem; vendor lock-in
Data privacy & hosting
Not trained on your data; hosting to your requirements: Germany, the EU or on-premise; local models assessed per project
Primarily US cloud; prompts may train models; EU options limited
Time to value
A pilot in about 30 days; success criterion agreed upfront
Licence instant; real benefit after weeks to months of change management
Cost structure
One-time fixed price + a predictable monthly subscription
Per-user licence, scales with headcount, including rarely-used seats
What you get
A finished work product: completed tasks, triggered actions, updated systems
More comfortable drafting and summarising. The person still does the task
From request to result
Three steps, not three chat windows.
No prompt engineering, no copy-paste. The CoWorker takes the task, works inside your systems, and hands over a finished result.
01
A task comes in
Email, inquiry or case, in plain language. No form, no special command.
02
Understands & acts
The CoWorker knows your business, accesses CRM, ERP and inbox, and moves the case forward on its own.
03
The result is done
Reply sent, system updated, meeting booked, logged and auditable at any time.
The decisive differences
Four points that make the difference.
Memory, not a session from zero
The CoWorker remembers customers, cases and tone of voice. A chatbot starts every session from scratch.
Data sovereignty, contractually secured
Your data is never used for training. Hosting to your requirements: Germany, the EU or on-premise. We assess local models project by project.
Predictable costs, measurable benefit
A fixed price for development, a predictable subscription for operations. The success criterion is set before the project starts.
An honest assessment
When is each approach right?
Not every company needs a CoWorker. Not every problem justifies a custom development effort. Here is our honest take.
Off-the-shelf fits when
- Mainly Microsoft 365, faster writing
- No specific process to automate
- Docs, decks and notes: no deep systems
- Data sovereignty isn't critical
A standard licence is enough.
CoWorker fits when
- A repeatable process eats time daily
- Your data lives in CRM, ERP, databases
- GDPR and sovereignty are non-negotiable
- You want results, not chat transcripts
A custom CoWorker pays off.
Let's talk about your business.
Book a no-obligation call with our team.
Pick a time directly in the calendar.
Prefer a callback?
Thanks, we'll be in touch.
We'll reach out within one business day to schedule your callback.