The platform for agentic banking.
TwelveAI is agents and rails in one. It understands financial intent, reasons over real context, decides within your policy, and executes on our rails or yours, so your product acts for the customer instead of only talking to them.
One layer, three jobs
The platform sits between your application and your financial providers. It understands what a customer wants, reasons over their real financial context, and executes the right action, safely and auditable.
You keep your rails and your relationships. TwelveAI adds the intelligence and the conversational interface on top.
Agents you can trust, each an expert at one job.
TwelveAI ships focused financial agents that share context in one conversation. Each is scoped to its own tools and confirms anything that moves money.
Payments agent
Sends money and verifies recipients before anything moves.
“Send ₦50,000 to my landlord.”
Accounts agent
Answers about balances and account details, grounded in live data.
“What's my available balance?”
Transactions agent
Explains spending and statements across any period or category.
“How much did I spend on logistics this month?”
FX & swaps agent
Quotes rates and converts between currencies, with target-rate rules.
“Convert $500 to naira at 1,600 or better.”
Identity (KYC) agent
Verifies a BVN or NIN over managed rails and delivers the outcome to your systems.
“Verify my BVN to upgrade my account.”
Airtime & bills agent
Buys airtime and data and pays utility bills across providers.
“Buy ₦2,000 MTN airtime for 0803…”
Beneficiaries agent
Finds and saves payees so repeat transfers are one sentence.
“Save Sarah as a beneficiary.”
Support agent
Resolves issues with real financial context, not scripted FAQs.
“Why did my transfer to Sarah fail?”
Each agent can call only the tools its job requires.
Anything that moves money needs explicit confirmation.
Agents act on real data, never fabricated numbers.
Every decision and action is recorded and auditable.
How the layers connect.
Applications talk to the intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and regulated providers.
Everything an agent needs to act on money
Intent recognition
Turn messy, natural language into a precise, actionable financial request.
Financial reasoning
Reason over accounts, balances, and history, grounded in real data.
Agent orchestration
Coordinate specialist agents and APIs to complete multi-step tasks.
Guardrails
Enforce limits, policy, and confirmations before anything executes.
Financial APIs
Transfers, payments, FX, cards, and bills through one interface.
Observability
A full audit trail of every intent, decision, and action.
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.
- Intent recognition. Turn messy, natural language into a precise, actionable financial request.
- Financial reasoning. Reason over accounts, balances, and history, grounded in real data.
- Agent orchestration. Coordinate specialist agents and APIs to complete multi-step tasks.
- Guardrails. Enforce limits, policy, and confirmations before anything executes.
Build on the platform.
Connect your rails and ship conversational banking.