Penny

What is Penny

Penny is an AI-powered social sales enablement and learning platform designed specifically for direct sales organizations, network marketing companies, and distributed seller networks. Its core job is helping individual sellers — who typically operate without dedicated sales ops or training infrastructure — stay productive, consistently follow up with the right contacts, and continuously improve their selling skills through AI-driven coaching and personalized learning.

The platform centers on a daily AI-generated to-do list that tells each seller exactly who to follow up with, who needs onboarding attention, and which prospects are most ready to convert — prioritized by income-generating potential rather than recency or manual judgment. On top of this daily workflow layer, Penny's AI script generation engine produces personalized, context-aware messaging for each contact based on their profile and stage in the buyer journey, which sellers can send directly via SMS or messaging apps. Customized learning modules reinforce the right selling behaviors in real time, coaching sellers through challenges as they arise rather than waiting for quarterly training sessions.

Penny is not a general-purpose CRM, cold email platform, or outbound prospecting tool. It is purpose-built for social selling motions — direct sales, network marketing, affiliate and influencer program management — where the seller's relationship with their personal network is the primary channel, and the challenge is keeping hundreds of sellers consistently active, trained, and following up at scale. Companies like Juice Plus+ AUNZ and Mannatech use Penny to drive seller productivity across their distributed networks. Pricing starts free (Essential plan, up to 6 customers) with the Thrive plan at $6.99/user/month for growing seller bases. Setup complexity is rated "Senior" by ColdIQ — enterprise deployments with back-office integrations require more configuration.

How Penny Works

Penny connects to each seller's contact lists, back-office systems, and communication channels, then uses AI to analyze their book of business and generate a prioritized daily action plan — telling each seller exactly what to do that day to maximize their income-generating activity.

The daily to-do list is Penny's core workflow engine. Each morning, sellers open Penny and see a ranked list of contacts requiring action: who is due for a follow-up, who just completed onboarding and is ready for an upsell conversation, which prospects haven't been contacted recently and are at churn risk, and which new leads from their pipeline should be prioritized today. This prioritization is driven by Penny's AI analyzing contact history, engagement patterns, and business stage — replacing the mental overhead sellers spend deciding who to contact with a clear, AI-generated action queue.

For each contact on the daily list, Penny's AI script generation creates personalized messaging suggestions. Rather than generic templates, these scripts are tailored to the specific contact's profile, their current stage in the buyer or customer lifecycle, and the seller's product line — giving sellers high-quality, relevant message starting points that they can send directly via SMS or messaging apps within the Penny interface. Customized learning modules are triggered contextually: when a seller encounters a challenge (a prospect objection, a stalled follow-up, a churn risk), Penny surfaces the relevant training content at the moment it's needed rather than in scheduled batch training sessions. For enterprise Partnership deployments, Penny integrates directly with back-office systems via custom API, enabling seamless data flow between seller activity, CRM records, and corporate reporting dashboards — giving leadership full visibility into seller productivity, pipeline health, and learning progress.

Key Features

Penny combines AI-driven daily workflow prioritization, personalized script generation, and contextual learning to keep distributed seller networks consistently productive and growing:

Who Should Use Penny

Penny is built for direct sales organizations, network marketing companies, and distributed seller networks where individual sellers operate independently and the corporate challenge is keeping hundreds or thousands of sellers consistently active, trained, and following up — at scale, without a dedicated sales ops team for each seller.

Perfect For:

• Direct sales and network marketing organizations managing large distributed seller networks — the primary Penny use case is a direct sales company (health and wellness, beauty, supplements, financial products) with a distributed network of hundreds or thousands of independent sellers who are not full-time employees with dedicated sales management. These sellers typically struggle with the same core challenges: inconsistent follow-up, forgetting to check in with warm contacts, not knowing who to prioritize on any given day, and lacking confidence in what to say. Penny's AI daily to-do list solves the prioritization problem systematically across the entire network: every seller sees a personalized action queue each morning without needing a manager to assign tasks. The script generation solves the messaging confidence problem: sellers who aren't natural salespeople get high-quality, personalized message suggestions rather than generic copy-paste templates. The result is a distributed network where the average seller activity level increases significantly — not because management added oversight, but because Penny makes it easier for each seller to know what to do and how to do it. Companies like Juice Plus+ AUNZ and Mannatech use Penny specifically for this use case, with reported improvements in new business generation, customer retention, and repeat purchase rates
• Affiliate and influencer program managers scaling partner networks — affiliate and influencer program managers face a version of the same distributed-network challenge: large numbers of partners who need to be onboarded, activated, kept engaged, and supported as they drive referrals and sales. Penny's commissions management and influencer program features let program managers track partner performance, manage payouts, and surface which partners need re-engagement attention. The AI daily workflow tells sellers/partners who to contact, what to say, and which program opportunities to promote — reducing the coordination overhead that program managers typically spend manually checking in with individual partners. For programs with 50–500+ active affiliates or influencers, Penny's automation of follow-up reminders and onboarding tracking can meaningfully improve activation rates (the percentage of enrolled affiliates who actually make referrals) and reduce early churn from partners who sign up but never get properly onboarded
• Individual social sellers who want AI help managing their contact pipeline — at the individual seller level, Penny's free Essential plan provides immediate access to the core AI daily to-do list and contact management features for sellers with up to 6 customers. This makes Penny accessible to individual sellers just starting their direct sales business who need structure and guidance but can't afford CRM subscriptions or sales training programs. The free plan provides the foundational workflow: connect your contacts, let Penny's AI analyze who needs attention, and follow the daily action list. As the seller's business grows beyond 6 customers, the Thrive plan at $6.99/user/month unlocks the ability to manage a larger contact base, multi-message SMS for direct communication within the app, priority support, and video tutorial training content. For individual sellers, the ROI calculation is straightforward: if Penny's daily prioritization and script generation helps secure even one additional sale or repeat purchase per month, the $6.99 subscription pays for itself many times over
• Corporate sales training and enablement teams managing seller learning at scale — for the corporate layer above the distributed seller network, Penny provides the business intelligence and training management capabilities needed to understand network-wide performance and drive behavior improvement at scale. Leadership dashboards show seller productivity metrics (daily tasks completed, follow-up rates, contact engagement), learning progress (module completion rates, time-to-competency), and pipeline health (new business generation, customer retention, repeat purchase rates) across the entire network. Custom learning modules can be built at the corporate level and deployed across all sellers, ensuring consistent product knowledge, compliance messaging, and sales technique training. Contextual triggering ensures these modules appear when sellers encounter specific challenges — a stalled follow-up, a new product launch, a price objection — rather than being buried in an LMS that sellers never open. For corporate training teams, Penny's approach replaces generic batch training sessions with always-on, contextual coaching that drives measurable behavior change

How to Use Penny

Start with the free Essential plan — connect your contacts, run your first AI daily to-do list, and experience how Penny prioritizes your day before deciding whether to upgrade to Thrive ($6.99/user/mo) or Partnership (enterprise, custom).

Step-by-Step Process:

• Start Free and Connect Your Contacts: Sign up for Penny's free Essential plan at go.coldiq.com/penny — no credit card required. The Essential plan supports up to 6 customers and gives you full access to the core AI daily to-do list and contact management features. Once signed in, import your existing contacts: Penny supports importing from CSV, phone contacts, and back-office systems (on Partnership plan). For each contact, add the key context Penny needs to prioritize intelligently: their current status (prospect, new customer, active customer, at-risk), the product or service they're interested in or currently purchasing, and any relevant notes about where they are in their buyer journey. The more complete your contact data, the more accurate Penny's AI prioritization will be from day one. For new sellers just starting, add your first 6 prospects and customers to the Essential plan and let Penny build its initial priority model from your contact history
• Follow Your AI Daily To-Do List: Each day, open Penny and review your AI-generated to-do list — your primary workflow for the day. Penny's AI analyzes every contact in your book of business and surfaces the ones that need attention today, ranked by income-generating potential. The list distinguishes between different action types: follow-up calls or messages for prospects who haven't heard from you recently, check-ins for new customers going through onboarding, upsell opportunities for satisfied customers who are ready for the next product, and re-engagement outreach for at-risk customers showing churn signals. Work through the list top-to-bottom, using Penny's AI script suggestions for each contact to guide your messaging. After completing each task, mark it done in Penny — this updates the AI model with the outcome and improves future prioritization. The discipline of following the daily list rather than deciding ad hoc who to contact is what drives the measurable improvement in follow-up consistency that Penny customers report
• Use AI Scripts for Every Contact: For each contact on your daily list, Penny generates a personalized script suggestion — a recommended message opening, key points to cover, and a specific call to action tailored to that contact's profile and stage. Review the suggested script, personalize it with any specific details you know about the contact that Penny's AI doesn't have, and send it directly via SMS or your preferred messaging channel from within the Penny interface (Thrive plan). The AI scripts are particularly valuable for newer sellers who aren't confident in what to say: rather than staring at a blank message compose screen, they have a high-quality starting point that covers the right selling points and maintains a natural, personal tone. Over time, track which script styles generate the best response rates — this data helps the AI improve its script suggestions for your specific contact base and product line
• Complete Learning Modules as They're Triggered: Penny's contextual learning system surfaces relevant training content based on your activity. When you encounter a contact who is stalling on a decision, Penny may trigger a module on handling objections. When a new product launches, relevant training appears in your queue. When your new customer engagement rate drops, Penny may suggest onboarding best practice content. Treat these learning prompts as part of your daily workflow rather than optional extras — the sellers who complete Penny's contextual modules consistently show higher performance metrics than those who skip them. For managers and corporate trainers, the module completion data in Penny's business intelligence dashboard shows which sellers are engaging with training and which need additional support, enabling targeted intervention
• Upgrade to Thrive or Partnership as Your Business Grows: When your contact base exceeds 6 customers or you need multi-message SMS and priority support, upgrade to the Thrive plan at $6.99/user/month. For enterprise organizations deploying Penny across a distributed seller network with back-office integration requirements, contact Penny's sales team via go.coldiq.com/penny to discuss the Partnership plan — which includes enterprise rollout support, custom API integration with your back-office and CRM systems, corporate branding customization, team onboarding, and dedicated account management. For corporate deployments, plan for dedicated onboarding time: the "Senior" complexity rating from ColdIQ reflects the integration work required to connect Penny with existing back-office systems and deploy it consistently across a large seller network

Penny Pricing

Aomni Starter is free (AI account research · AI sales strategy · AI chat · personalized sequences). Pro $300/team/mo (3 seats · unlimited research · email & LinkedIn integrations · +$100/seat). Enterprise custom (CRM integration · bulk research · tailored onboarding · priority support). →