Building the AI infrastructure layer for conversational banking.
We believe the interface of banking is changing from menus to conversation. That shift needs an infrastructure layer, one that lets AI understand financial intent, reason over real context, and execute actions safely. That layer is what we build.
What we do
TwelveAI is a financial technology company. We provide the intelligence and interface layer that sits above regulated banking and payment partners, so banks, fintechs, wallets, and financial applications can offer conversation as the interface.
We do not hold customer funds or replace core systems. We connect AI agents to the financial infrastructure that already exists, and add the understanding, orchestration, and guardrails that make conversational banking real.
What we care about
We build the hard, invisible layer so our customers can build the visible experience.
Financial AI must be truthful and controlled. Grounding and guardrails are non-negotiable.
Clean APIs, honest errors, and a real sandbox. The best infrastructure gets out of the way.
No hype, no fake numbers. Precise language and real capabilities.