TwelveAI logoTwelveAI
For fintechs

Ship conversational finance faster.

Your product and rates are your edge, not intent detection and guardrails. TwelveAI gives your fintech the intelligence layer and financial APIs to add conversational, agentic experiences without the multi-quarter build.

Focus on your product

Bring your existing rails and relationships. TwelveAI adds understanding, orchestration, and safety on top, so your team ships the experience, not the plumbing.

Architecture

How the layers connect.

Applications talk to the intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and regulated providers.

Applications
Your product
BanksFintechsWalletsNeobanksFinancial SaaS
TwelveAI Intelligence Layer
Understand and reason
Intent RecognitionContext EngineFinancial ReasoningAgent OrchestrationMemoryGuardrailsAuthorization
TwelveAI Financial Infrastructure
Execute actions
AccountsTransfersPaymentsFXCardsBillsWalletsTransactionsIdentity
Financial Providers
Regulated rails
BanksPayment processorsCore bankingFintech infrastructureExternal APIs

Why fintechs choose TwelveAI

Weeks, not quarters

Launch conversational finance quickly.

Safety built in

Guardrails, confirmations, and audit trails included.

Composable

Add agents and tools as you scale.

Your rails

Keep your providers, rates, and compliance.

Fintechs with TwelveAI
12Built on real financial rails
For fintechs 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.

  • Weeks, not quarters. Launch conversational finance quickly.
  • Safety built in. Guardrails, confirmations, and audit trails included.
  • Composable. Add agents and tools as you scale.
  • Your rails. Keep your providers, rates, and compliance.

Build with TwelveAI.

The AI infrastructure for conversational banking.