TwelveAI gives banks and fintechs the banking rails and the AI layer to build financial products that understand users, reason about financial context, and take action through natural conversation. Run on our rails, or bring your own.
This is the production engine, not a recording. It routes, calls tools and gates money exactly as it would for your bank, on sample data. Give it a real account number and watch it verify the actual account holder.
Live sandbox · sample data, no real money · conversations may be reviewed to improve the product
Dashboards, menus, forms, transaction pages, account screens, one product bolted onto another. Every feature adds another place to go and another thing to learn. The interface, not the task, becomes the work.
Conversational banking removes the maze. Instead of asking “where do I go to do this?”, people simply say what they want, and the AI becomes the interface.
TwelveAI is not a chatbot and not a banking app. It is the layer that lets AI understand financial intent, reason over real context, and safely execute financial actions, so your product can offer conversation as the interface.
Accounts, transfers, payments, FX, cards, and identity, connected through one interface.
Intent recognition, financial reasoning, memory, and agent orchestration on top of that.
The natural-language layer your customers actually talk to, on any surface.
Your application talks to the TwelveAI intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and your regulated providers.
A single request moves through understanding, financial context, authorization, and execution, then returns a grounded answer. The customer just talks; the infrastructure does the rest.
Connect your WhatsApp Business number and TwelveAI handles the whole loop: it answers customers, understands voice notes, and confirms money moves with a tap. You just point your webhook at us. Money movement stays on your own rails, we never hold a wallet.
A composable set of primitives for building financial agents that understand, reason, and execute, safely.
Build financial agents that understand user intent and complete real financial workflows, not scripted replies.
Give agents grounded access to accounts, balances, transactions, and history, so answers are true, never guessed.
Connect conversation to real operations: transfers, payments, FX, cards, and bills through one interface.
Coordinate multiple financial APIs and specialist agents to complete complex, multi-step tasks in one thread.
Control exactly what agents can see, recommend, and execute, with limits and policy enforced by the system.
Require explicit confirmation, PIN, or OTP before any sensitive financial action moves money.
Let assistants understand recurring preferences, beneficiaries, and context across a conversation.
Monitor AI decisions, financial actions, errors, and workflows with a full, auditable trail.
TwelveAI issues the real financial primitives your product runs on, wallets, virtual account numbers, transfers, USD accounts, FX, and cards, all reachable through conversation or a plain API. Run on ours, or bring your own.
Issue dedicated account numbers to your customers, hold NGN and USD balances, move money to any bank with verification, swap at live rates, and spin up dollar cards, the same rails we run our own bank on, exposed to you by API key.
Spin up and manage user wallets with balances, holds, and ledgering.
Issue dedicated virtual account numbers for collections and payins.
Move money to any bank with verification, confirmation, and receipts.
Give users dollar balances that receive, hold, and spend.
Convert NGN and USD at live rates, with target-rate auto-swap rules.
Issue and control virtual dollar cards, limits, freeze, and reveal.
Airtime, data, and utility bills across every major provider.
Resolve accounts and verify recipients before any money moves.
Use one rail, or all of them. Bring your own, or run on ours.
Explore financial infrastructure →One call turns a message into a structured, validated financial action, with intent, amount, recipient, and whether confirmation is required. Bring your own rails; wire tools; ship.
const res = await twelve.chat({
message: "Send ₦50,000 to Sarah",
customerId: userId,
}){
"intent": "transfer",
"message": "₦50,000 to SARAH OKAFOR. Confirm to send.",
"pendingConfirmation": {
"tool": "transfer_funds",
"arguments": { "amount": 50000 }
},
"continuation": "enc.a91x"
}You fund a prepaid naira balance and pay per token, like any model API. Every response tells you what that turn cost, to the kobo.
Bring your own model key and these drop to ₦2 / ₦4, with the model billed to you directly by your provider.
“Send 5,000 to 0123456789 at GTBank”
Routed, recipient verified against the bank, policies applied, transfer gated for confirmation.
A balance question is nearer ₦8. Roughly 200 to 600 conversations per ₦5,000.
Start with ₦5,000 free on signup. Top up from ₦5,000 whenever you choose, and see every turn itemised in your dashboard. Volume pricing is negotiated per business.
Talk to the team that built the engine, tell us what you are shipping, and we put ₦100,000 of AI credit on your workspace so you can build against the real thing before you spend anything.
Three required fields. We reply the same working day.
From conversational banking to embedded finance, the same infrastructure powers many experiences.
Beyond conversational banking, TwelveAI Payments lets your business accept money online, cards, transfers, and checkout, with verification and instant settlement. The same rails, pointed at collections.
TwelveAI runs a real consumer banking app on the same rails we sell. Send money, buy airtime, pay bills, hold dollars, swap, and spend, all by chatting, in the app or right inside WhatsApp.
Financial infrastructure requires trust. Every action is authorized, confirmed where it matters, and fully auditable.
Every action passes through limits, policy, and role-based permissions before it can run.
Sensitive actions require explicit confirmation, PIN, or OTP, handled through secure flows.
Scope exactly which tools, accounts, and actions each agent is allowed to touch.
Agents answer only from real financial data, never fabricated balances or rates.
Every intent, decision, tool call, and outcome is recorded and reconstructable.
Secrets are encrypted at rest; credentials are never exposed in conversation.
TwelveAI is a financial technology company, not a bank. Banking services are provided by regulated partners.
Connect your financial infrastructure to an AI layer designed to understand financial intent, orchestrate actions, and create natural customer experiences.
One clean API turns a message into a structured, validated financial action.
Sensible defaults, clear errors, and a live sandbox to test before you ship.
Bring your own rails and tools; compose agents and endpoints as you grow.
Built for reliability, reconciliation, and scale on real financial systems.
Intent detection, grounding, and orchestration are the core, not an add-on.
TwelveAI provides the infrastructure that makes the second model possible.
Give your customers a banking experience that understands them.