Turn your wallet into an agent.
A wallet with an agent inside does the chores: pays the bill, tops up the airtime, moves the money, reads the balance, and tells the user what changed.
Everyday money, one conversation
Let users do the common things by talking, with confirmations on anything that moves money. Higher engagement, lower support load, and a product that feels effortless.
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.
Conversation becomes action.
Understanding, financial context, authorization, and execution, then a grounded response, all from one message.
What it adds
Conversational payments
Send and pay in plain language.
Spending insights
Grounded answers about money in and out.
FX in chat
Swaps and auto-conversion rules.
Always on
Support and actions around the clock.
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.
- Conversational payments. Send and pay in plain language.
- Spending insights. Grounded answers about money in and out.
- FX in chat. Swaps and auto-conversion rules.
- Always on. Support and actions around the clock.