HubWho vs Assembly (formerly Copilot): honest comparison
HubWho vs Assembly (formerly Copilot) — both target marketing agencies that bill recurring clients, but they serve very different sides of that audience. HubWho is purpose-built specifically for agencies that bill recurring clients, while Assembly (formerly Copilot) is A correction up front: the product asked about as "Copilot (copilot.com)" no longer exists under that name or at that domain. Its maker rebranded to Assembly (assembly.com) in September 2025 — confirmed by the company's own cofounder and its press announcement — and copilot.com itself is Microsoft's own Copilot AI product, unrelated to this business (its old address, copilot.app, now 301-redirects to assembly.com). Under its current name, Assembly is a genuine, shipping client-portal platform for professional service firms generally — agencies, consultants, accounting and law firms — combining a branded client portal, messaging, invoicing and subscription billing, contracts/e-signature, file sharing, and forms, with an AI assistant layered on top. HubWho, still pre-launch, is narrower and agency-specific by design: Plaid-based ACH bank-link payments, per-client margin computed on demand against your own wholesale cost, and an agency KPI health score pulled from tools like GoHighLevel and HubSpot — capabilities that don't appear in Assembly's broader professional-services framing..
Quick verdict
If you bill recurring clients and need real per-client margin, HubWho is the right call. Assembly (formerly Copilot) handles billing as one of many features, while HubWho is purpose-built for the per-client margin tracking and recurring retainer flow agencies actually need.
Side-by-side comparison
| Capability | HubWho | Assembly (formerly Copilot) |
|---|---|---|
| Wholesale cost tracking per service | Yes | Manual |
| Per-client margin tracking (your cost vs your bill) | Yes | No |
| ACH via bank-link (Plaid) | Yes | Add-on |
| Recurring subscription billing | Yes | Yes |
| Branded client portal in agency colors / domain | Yes | Partial |
| KPI dashboard with ARR, MRR, client health | Yes | No |
| White-label SLA + warranty docs | Yes | No |
| Setup time for an agency | Days | Weeks |
Where HubWho wins
- Wholesale costs you set track per service — per-client margin is current on demand.
- ACH via bank-link plus card and Apple Pay — recurring retainers collect on schedule with no manual runs.
- Branded client portal in your colors and domain — customers never see HubWho.
- KPI dashboard surfaces ARR, MRR, client health, churn risk, and upsell opportunities automatically.
- Midnight + cyan brand identity, designed to feel like a modern SaaS not a billing add-on.
Where Assembly (formerly Copilot) might fit better
Choose Assembly if you need a working client portal today, for any type of professional service firm, not just agencies — it ships now, already covers contracts/e-signature and forms, and has real iteration behind it (even under its old name). It's also the sounder pick if what you actually want is general practice-management ground — CRM, e-signature, broad client communication — rather than agency-specific billing mechanics. HubWho fits better once it ships, for a marketing or digital agency specifically billing recurring retainers that wants ACH collection via Plaid to cut card-processing costs, per-client margin visible against your wholesale cost, and agency KPI health scores (from tools like GoHighLevel, HubSpot, BirdEye, Yext) sitting next to the invoice itself. But be honest with yourself about timing: HubWho is coming soon with no shipped product yet, so as of today Assembly is the only one of the two you can actually put a client on.
HubWho vs Assembly (formerly Copilot): FAQs
Why pick HubWho over Assembly (formerly Copilot) for an agency?
HubWho's per-client margin tracking (your cost vs your bill) is the headline differentiator. Assembly (formerly Copilot) can handle it manually, but HubWho automates it.
How does HubWho track margin without a spreadsheet?
You set your wholesale cost on each service once. HubWho stores it next to what you bill, so per-client margin is calculated on demand from your real invoices. No monthly spreadsheet reconciliation.
Can I migrate active retainers from Assembly (formerly Copilot) without disrupting billing?
Yes. The HubWho onboarding team handles the migration during a cutover window so no client invoices are dropped or duplicated.
What payment methods does HubWho support?
Card, Apple Pay, and ACH via Plaid bank-link. Multi-currency invoicing for international agency clients.
Try HubWho
Learn more about HubWho or request early access to start a working evaluation.