The HIPAA-tier clone
The obvious choice for clinicians and lawyers who need paperwork as much as accuracy. Everyone else is paying leader money for a follower product.
Willow is what a fast follower looks like when it picks a defensible niche. Feature for feature it tracks Wispr Flow closely, but the enforced HIPAA tier gives it a market the leader cannot serve without changing its architecture.
For general writing, the output is a half-step behind — good, occasionally over-literal with filler.
On its business tier, with the associated agreements in place. The consumer tier is not.