Banking API
A banking API built for AI.
Most banking APIs assume a form filled it in. TwelveAI is built for AI: it takes natural language, grounds it, and returns a structured financial action, with confirmation controls built in.
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 response = await twelveai.agent.run({
user: userId,
message: "Send ₦50,000 to Sarah",
tools: ["accounts", "transfers", "transactions"]
})response.json
{
"intent": "transfer",
"amount": 50000,
"currency": "NGN",
"recipient": "Sarah Okafor",
"requires_confirmation": true
}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.