Financial AI that understands money.
Build assistants that understand accounts, spending, transactions, and financial goals, and can act on them. Financial AI grounded in real data, gated by real controls.
Grounded, not guessed
A financial assistant that invents a balance is worse than none at all. TwelveAI grounds every answer in live data, so "how much did I spend on logistics?" returns a real number, traceable to a real source.
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.”
Cards agent
Issues and controls virtual dollar cards, freeze, limits, reveal.
“Freeze my dollar card until tomorrow.”
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.
Conversation becomes action.
Understanding, financial context, authorization, and execution, then a grounded response, all from one message.
What financial AI can do
Understand spending
Summaries and breakdowns across categories and periods.
Answer about accounts
Balances, transactions, and history in plain language.
Take action
Move money and manage cards, with confirmation.
Remember context
Preferences and beneficiaries across a conversation.
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.
- Understand spending. Summaries and breakdowns across categories and periods.
- Answer about accounts. Balances, transactions, and history in plain language.
- Take action. Move money and manage cards, with confirmation.
- Remember context. Preferences and beneficiaries across a conversation.