The agent layer over your banking rails.
Keep the rails you have. TwelveAI puts agents in front of them: every wallet, transfer, bill and swap you already run becomes something a customer can ask for and an agent can safely do.
Your rails, always
Point tools at your existing endpoints with your rates and compliance, or lean on TwelveAI-managed rails for the parts that are pure lookup: biller directories, meter validation, bank lists, account-name resolution, and stateless identity checks. Money movement executes on your side by default - TwelveAI verifies, gates, escalates, and audits, but never holds funds. A workspace without rails of its own can opt into TwelveAI money rails, where funds sit with our licensed, NDIC-insured banking partner and the engine keeps the ledger.
How the layers connect.
Applications talk to the intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and regulated providers.
What the layer covers
Wallets & balances
Grounded balance and account answers from your live data.
Transfers & payouts
Recipient-verified, confirmation-gated hand-offs to your rails.
USD & FX
Rates and conversions on your treasury endpoints.
Bills & airtime
Validated meters, smartcards, and real package prices via managed rails.
Identity (KYC)
Stateless BVN/NIN checks, webhooked to you, nothing stored.
Signed webhooks
Every state change delivered and verifiable.
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.
- Wallets & balances. Grounded balance and account answers from your live data.
- Transfers & payouts. Recipient-verified, confirmation-gated hand-offs to your rails.
- USD & FX. Rates and conversions on your treasury endpoints.
- Bills & airtime. Validated meters, smartcards, and real package prices via managed rails.