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Patent portfolio assigned to Cresta (verified via public assignee records). Customers are named brands from Cresta's own customers page (also Aqua Finance, Oportun, Achieve, Xanterra, Propel Holdings, Aptive). Competitors from Balto/Cresta comparison guides. Patents: Justia confirms patents assigned to 'Cresta Intelligence Inc.' (e.g. selecting audio-stream portions for ML; initiating system actions from conversational content), so has_patents=true; exact count not verifiable (Google Patents fuzzy ~57 unverified, endpoint rate-limited), left as 0/unknown estimate.