Open Insurance AI · HiTheo
One API key. Ten intelligent engines. Theo routes every prompt to the perfect model, automatically.
10
Engines
<1ms
Fast-Path
3×
Failover
1
API Key
The multi-model problem
You're building with AI. You shouldn't need a PhD in prompt engineering and 7 vendor relationships to ship.
7 API KEYS
Every provider has its own SDK, auth, billing dashboard, and rate limits. You're managing 7 relationships just to cover your use cases.
NO ROUTING
You're hardcoding model selection. One for code, another for chat, another for images — all manual, all fragile.
FRAGMENTED BILLING
4 billing dashboards. 4 invoices. No unified view of what you're spending or which requests cost the most.
VENDOR LOCK-IN
Built your whole app on one provider's SDK. Now they raise prices 40% and you're rewriting everything.
Theo solves all four ↓
How it works
Every request flows through six stages. Your prompt in, the perfect engine out, automatically.
Intelligent routing
Intent classification in <1ms. The right model for every request, every time.
Sub-200ms chat, classification, translation
Deep reasoning, structured planning, analysis
128K output, production-quality code generation
Photorealistic and artistic image generation
5–15s video clips from text or image
Multi-step web research with citations
Unfiltered humor and creative writing
Why Theo's routing is different
INTENT-FIRST, NOT KEYWORD-FIRST
Regex fast-path classifies obvious intents in <1ms. Ambiguous prompts fall through to an LLM classifier that understands context — no keyword matching required.
AUTOMATIC COST OPTIMIZATION
Simple questions route to Theo Fast. Complex reasoning routes to Theo Think. You save significantly on routine queries without any configuration.
<1ms REGEX FAST-PATH
Server-side keyword matching runs before the LLM classifier. If patterns match with high confidence, classification completes in under 1ms with zero model calls.
3-PROVIDER FAILOVER CHAIN
Redis-backed circuit breaker routes through three independent provider tiers. Each engine also has a per-mode fallback. Your users never see downtime.
What developers build
Real scenarios. Real code. See what Theo makes possible.
AI-POWERED SAAS CHATBOT
Ship an intelligent chatbot in your SaaS product. Theo picks the right model per message — fast responses for simple questions, deep reasoning for complex ones.
MULTI-MODEL CONTENT PIPELINE
Generate blog posts, images, and social media cards from a single prompt. Theo chains the right modes: Code for copy, Image for visuals, Fast for meta tags.
CUSTOMER SUPPORT WITH MEMORY
Build support that remembers. Theo persists user context across sessions and channels — your customer never repeats themselves.
INTERNAL TOOLS & CODE GEN
Let your team generate dashboards, scripts, and data pipelines with natural language. Theo Code writes production-ready code with 128K output tokens.
MULTI-CHANNEL BOT
One brain, every channel. Deploy the same AI assistant to Telegram, WhatsApp, and your web app. Same memory, same skills, same routing.
Three lines to ship
npm install @hitheo/sdk — then pick your use case.
Open Source · TypeScript · Full Docs
import { Theo } from "@hitheo/sdk";
const theo = new Theo({ apiKey: "theo_sk_..." });
const res = await theo.complete({
prompt: "Explain quantum computing simply",
mode: "auto", // → routes to Theo Fast
});
console.log(res.text);
console.log(res.model); // "theo-fast"
console.log(res.cost); // "$0.0003"Executable Visual Intelligence
Build an E.V.I.
Your persona. Your skills. Theo's engine under the hood.
Your Persona
Replace Theo's personality with your own brand. Your users never see Theo — they see your AI.
Your Skills + Tools
Install marketplace skills for domain expertise. Pass inline tools for your product's actions.
Theo's Engine
Multi-model routing, intent classification, agent loop, memory, billing, caching — all handled.
Before & After
✗ Without Theo — 40+ lines
const model = pickModel(prompt);
const tools = resolveTools(user);
const system = buildPrompt(persona, skills);
const res = await llmProvider.complete({ model, ... });
const toolResults = await executeTools(res);
const final = await llmProvider.complete({ ... });
await debitCredits(user, res.usage);
await logAudit(user, res);✓ With Theo E.V.I. — 5 lines
import { Theo } from "@hitheo/sdk";
const theo = new Theo({ apiKey: process.env.THEO_KEY });
const evi = theo.evi({
persona: "You are Eva, AcmeCorp's AI...",
skills: ["insurance-quoting"],
tools: [lookupCustomer, updatePolicy],
});
const res = await evi.complete({ prompt: "..." });One API call. Everything handled.
Skill Store
An app store for AI capabilities. Install domain skills that give Theo specialized knowledge — or build and publish your own.
Insurance
Insurance Quoting
by hitheo
Compare rates across 5+ carriers in real-time.
Developer
Code Review
by hitheo
Analyze PRs for security and architecture anti-patterns.
Research
Deep Research
by hitheo
Multi-step web research with source synthesis.
Data
Data Extraction
by community
OCR + structured extraction from PDFs and images.
Content
Content Writer
by community
Blog posts, emails, social copy — adapted to your brand voice.
Custom
Custom Skill
by you
Define custom tools, knowledge bases, and workflows.
Build Your Own
import { defineSkill } from "@hitheo/sdk";
export default defineSkill({
name: "inventory-check",
description: "Real-time inventory lookup",
tools: [checkStock, reorderAlert],
knowledge: ["./product-catalog/*.json"],
});
// npx theo publishEarn from your skills
Publish skills to the store. Other developers install and use them. You earn credits for every API call that activates your skill.
Works everywhere
Channel-agnostic core. Same brain, same memory, same skills — every channel. Open-source adapters. npm install and you're live.
Bring Your Stack
Why Theo?
You could wire up multiple AI providers yourself. Here's what that looks like vs. Theo.
✗ Without Theo — 47 lines
const model = pickModel(prompt);
const tools = resolveTools(user);
const system = buildPrompt(persona, skills);
const res = await llmProvider.complete({ model, ... });
const toolResults = await executeTools(res);
const final = await llmProvider.complete({ ... });
await debitCredits(user, res.usage);
await logAudit(user, res);✓ With Theo — 5 lines
import { Theo } from "@hitheo/sdk";
const theo = new Theo({ apiKey: "theo_sk_..." });
const res = await theo.complete({
prompt: "Your prompt here",
mode: "auto",
});Get started today
One API key. Every model. Automatic routing, failover, and billing. Ship your AI product faster.