Regulated beachhead
Agents you can put in front of a regulator.
Banking is where getting it wrong is illegal, and where 10 years of AI in production taught us to govern autonomy. Document-heavy, audited at every step, with right-to-explanation and strict data-residency obligations. EU AI Act high-risk and DORA apply; governance is designed in, not bolted on.
The gap we close
Credit, onboarding and payment operations run on high volumes of documents that a human still reconciles by hand, under an audit and explainability burden that a demo-grade agent simply cannot carry. The risk committee's question is never "can it be faster?", it's "can we prove, to a regulator, every decision it made?" That is the gap our governance closes.
What an agent does here
Concrete, document-heavy processes, governed, auditable, and honest about where a human must stay in the loop.
4 mapped processes, each with a defined autonomy boundary.
Credit-file review
An agent conferences the credit dossier, income proofs, bank statements, guarantees, cross-checks the documents against policy, and drafts the decision memo with every source cited. It starts in Shadow Mode against a human concordance baseline and only earns supervised autonomy once it clears the threshold; the consequential lending call still routes to a human where liability can't be delegated.
KYC / onboarding
Identity documents, corporate registries and sanctions lists are read by a quarantined component that can extract but never act, so a poisoned document can't hijack the flow. The agent assembles the onboarding pack, flags gaps, and hands the edge cases to a human with full context, each step written to an append-only evidence trail before it commits.
Fraud & AML triage
Sentinel-class detection scores transactions and alerts for suspicious patterns, clears the high-confidence noise, and escalates genuine anomalies to an analyst with the reasoning attached. Autonomy is bounded by design: the agent triages and analyses; a human owns the regulatory determination.
Dispute & chargeback handling
The agent gathers the transaction history, the merchant evidence and the cardholder claim, applies the scheme rules as policy-as-code, and prepares a resolution with a defensible rationale, cutting cycle time on a high-volume, rule-bound process while keeping the audit trail intact.
This is the beachhead our whole proposition rests on: a decade running AI in banking-grade environments, recognized by Gartner, Forrester and IDC, ISO-certified, and framed around EU AI Act high-risk and DORA obligations, the discipline that then carries to every other regulated vertical.
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