Origination engines
AI-native origination flows with alternative scoring, explainable decisioning, bureau integrations, and AI agents that complete missing documentation. We scaled a challenger bank from 20 to 2,000 advisors.
★ Flagship · Bank & Finance AI
Banking the way AI demands it.
End-to-end banking products on an AI-native stack. A dedicated squad with real experience inside production banks — not a consultancy doing finance, but engineers who've operated mission-critical software inside banks for years. BSA/AML aware. SOC 2 Type II pathways. NYDFS-ready.
01 · Dedicated squad
A team that lives in banking, doesn't visit it.
Our Bank & Finance AI squad combines product, engineering, ML, compliance and risk — with leaders who have operated critical systems inside banks. Each vertical has its own playbook, its own stack, and its own specialist AI agent.
02 · Products we build
Nine products, one AI-native stack.
Every product has AI agents embedded from sprint one. Not "chatbots bolted on after launch" — automated decisions, supervised by humans at the points that matter.
Savings accounts
100% digital onboarding with inline remediations, biometric verification, and an AI agent that walks the customer through missing docs. Activation in minutes, not days.
Onboarding + KYC
OCR over IDs and proofs, facial biometrics + liveness, continuous KYC that learns customer behavior and only escalates alerts when it's worth it.
Digital & electronic signatures
Legally binding signatures (E-SIGN / UETA in the US; Law 527 in Colombia). Integrations with certificate authorities and immutable cryptographic audit trails.
Biometric verification
Facial with liveness detection, fingerprint validation, and an anti-fraud engine that cross-references signals to detect impersonation in seconds. Proven in challenger-bank production.
KYC / AML engines — ANALYZER
Our signature product. AML/CFT engine combining rules + ML + AI agents. Operates at a regional Financial Intelligence Unit with 1,800+ fraud cases mitigated in production.
Visit analyzer.com.coDigital CDs
Online CD opening, renewal and cancellation. Core integrations, real-time yield calculation, and an AI agent that recommends term length by risk profile.
Payroll loans
End-to-end management: employer agreements, payroll-deduction servicing, preventive collections with AI agents, and an employee portal for instant balance checks.
Credit cards
Issuance, activation, disputes with auto-classification, recovery with AI agents that know when to push and when to back off. Measurable reduction in card abandonment.
03 · Banking methodology
How we approach real banks.
Banking has rules other sectors don't. Our method is built to respect them without trading away velocity.
01
Compliance-first
BSA/AML, NYDFS Part 500, SOC 2, FFIEC. Plus SFC Circular 007, SAGRLAFT and habeas data for LATAM. Compliance review every sprint — before QA, not after.
02
Regulatory sandbox
We test innovations in controlled environments with the regulator or with the bank's risk team. Fewer surprises in production.
03
Core integration
Experience with classic and modern banking cores. Resilient APIs, anti-corruption layer patterns, planned rollback.
04
Observability
End-to-end traces of every transaction and every AI-agent decision. Audit available in seconds, not weeks.
04 · Real impact
Numbers that passed production.
Real metrics from real clients. Some under NDA — the impact is verifiable, the name isn't always.
- 100× Scaled a challenger bank from 20 to 2,000 origination advisors in two years. NDA client · Challenger bank
- 1,800+ Financial-fraud cases mitigated with ANALYZER in production at a regional Financial Intelligence Unit. ANALYZER · NDA client
- ≈$3.5M USD disbursed/year with under 1% support tickets on the origination flow. NDA client · Challenger bank
05 · Stack & agents
Multi-model, multi-purpose.
We pick the model by the task, not by the vendor. We connect systems and agents with MCP (Model Context Protocol) to orchestrate real work inside the bank — not just answer questions.
Models
- Claude — legal/compliance reasoning, drafting notifications, dispute analysis.
- OpenAI — at-scale classification, structured extraction, sales-agent copilots.
- Gemini — multimodal document processing (IDs, statements, invoices).
- Cohere — embeddings for semantic search across internal policies and treasury.
- Meta (open weights) — when data is sensitive and must not leave the bank's perimeter.
Vertical agents
- Onboarding agent — completes missing documentation and explains why it's needed.
- Collections agent — knows when to push, when to switch channels, when to escalate to a human.
- Disputes agent — classifies the claim, builds the file, prepares the regulated response.
- AML agent (ANALYZER) — prioritizes alerts, builds the case narrative, reduces false positives.
- Treasury agent — reads policies and suggests moves within authorized limits.
06 · Let's start
Ready for AI-native banking?
Two paths. A concrete ANALYZER demo if you want to see the product in action. Or a roadmap conversation if you're still deciding where to begin.