Banking API
A banking API built for agents.
Traditional banking APIs assume a form on the other end. This one assumes an agent: it grounds every figure, checks every action against policy, asks for confirmation, and records what happened.
AI-native, not retrofitted
Intent detection, grounding, and guardrails are the core of the API, not an afterthought. You get a validated action and a clear signal of when a human must confirm.
For developers
One call, a structured financial action.
A message in, a validated intent out, with confirmation controls built in.
request.js
const res = await twelve.chat({
message: "Send ₦50,000 to Sarah",
customerId: userId,
})response.json
{
"intent": "transfer",
"message": "₦50,000 to SARAH OKAFOR. Confirm to send.",
"pendingConfirmation": {
"tool": "transfer_funds",
"arguments": { "amount": 50000 }
},
"continuation": "enc.a91x"
}What makes it different
Natural-language input
The API understands messy phrasing, not just clean fields.
Grounded execution
Reads real state before acting.
Confirmation controls
Sensitive actions flagged for approval.
Bring your own rails
Bind to your endpoints and keep compliance.
12Built on real financial rails
Banking API in practice
Infrastructure, not a demo.
Everything here runs on the same platform we operate for real customers, grounded answers, gated writes, and a full audit trail.
- Natural-language input. The API understands messy phrasing, not just clean fields.
- Grounded execution. Reads real state before acting.
- Confirmation controls. Sensitive actions flagged for approval.
- Bring your own rails. Bind to your endpoints and keep compliance.