Autonomous Banking Operations Lead & 9 Sub-Agents

Autonomous AI Banking Agents for Modern FinTechs

Stop losing customers to 48-hour KYC backlogs, false-positive fraud blocks, and manual loan underwriting delays. Deploy an autonomous AI Banking Operations Director that orchestrates 9 specialized sub-agents to verify KYC documents in <28s, automate loan pre-approvals via Plaid, detect fraud anomalies, and sync core banking systems 24/7 with GLBA and SOC-2 compliance.

Start 14-Day Free Trial Test Live Simulator ↓
1,000 Free Credits Jack Henry & Fiserv Synced Zero Per-Seat User Tax GLBA & SOC-2 Compliant
Brandon Chen • Chief Banking Risk & Operations Lead
Brandon Chen • Chief Banking Risk & Operations Lead
GLBA & SOC-2 Guarded
CIP & FinCEN Compliance
99.2% KYC Auto-Pass
Real-Time Fraud Shield
524
KYC Verifications
99.2% Auto-Pass <28s
18
Fraud Alerts
100% Intercepted
$4.2M
Loans Pre-Approved
Plaid Underwritten
100%
Core Banking Sync
Jack Henry • Fiserv
Certified Two-Way Sync With Financial & Core Banking Stacks:
Jack Henry & Associates • Fiserv DNA & Premier • FIS Global Core • Mambu Cloud Banking • Plaid & Finicity APIs • Salesforce Financial Services
Proven Financial Institution ROI

Measurable Production & Operational Gains for Banks, FinTechs & Lenders

Compare typical 48-hour KYC backlogs and high false-positive fraud declines against continuous, autonomous AI financial execution.

+76%
Faster Loan Decisioning Velocity
Ingests borrower financials via Plaid in seconds, computing DTI and issuing pre-approval letters in under 60 seconds.
<28s
Automated KYC Verification Speed
Replaces the 48-hour manual document review backlog with sub-28s automated ID OCR, liveness, and OFAC check.
100%
First-Pass Document Match Rate
Automated neural OCR and biometric liveness verification matches government IDs and selfies with 99.2% precision.
$0
Per-Seat Software License Tax
Unlimited loan officers, underwriters, branch tellers, and risk analysts collaborate with zero per-seat software fees.
9 Core Banking & FinTech Advantages

Engineered Specifically for Commercial Banks, Credit Unions, and FinTech Lenders

Every advantage eliminates a proven commission leak point—from portal speed-to-lead and MLS RAG retrieval to Mambu Cloud Banking calendar dispatch and transaction coordination.

SPEED TO LEAD

Sub-28s Autonomous KYC & CIP Identity Verification

Eliminate 40% account abandonment caused by slow KYC queues. The AI verifies government IDs, extracts MRZ data, and validates 3D biometric liveness selfies in under 28 seconds.

Instant multi-channel engagement via SMS text and live chat
Qualifies purchase timeline, budget, and pre-approval status
Conversion Impact 78% Higher Account Onboarding Completion
COMPLIANCE

Real-Time Fraud Interception & Behavioral Sentinel

Stops card fraud without frustrating cardholders. Analyzes transaction velocity, geolocation anomalies, and triggers instant 2-way interactive SMS verification in under 3 seconds.

Real-time contextual transaction anomaly detection
Instant multi-channel SMS/WhatsApp customer confirmation
Legal Protection 100% Audit-Proof Transcripts
MLS RAG SEARCH

Live MLS & IDX Property Details Query Engine

Direct RAG integration with your regional MLS and IDX feeds. Answers questions about HOA fees, tax rates, school boundaries, square footage, and lot lines in 95ms without human lag.

Real-time listing status verification (Active, Contingent, Pending)
Auto-suggests in-stock sister properties when a home goes under contract
Data Precision Zero Ghost-Listing Promises
SHOWING DISPATCH

Direct Mambu Cloud Banking & Agent Calendar Booking

Coordinates confirmed private showings directly through Mambu Cloud Banking and your agents' Outlook or Google Calendars. Sends buyers driving directions, lockbox verification, and SMS reminders.

Round-robin listing and buyer agent calendar dispatch
Automated SMS reminders & GPS directions with 88% show-rate
Tour Arrival +44% Higher Show-Up Rate
PRE-APPROVAL

Instant Mortgage Pre-Qual & Soft-Credit Screen

Pre-qualifies buyers by verifying pre-approval letters, loan types (Conventional, FHA, VA, Cash), down payment amounts, and preferred monthly payment ceilings before scheduling showings.

Lender letter upload verification and down payment validation
Routes unrepresented pre-approved buyers to preferred mortgage partners
Buyer Quality 100% Pre-Screened Showings
SELLER VALUATION

Instant CMA Home Valuation & Seller Equity Capture

Homeowners enter their address; the agent executes a real-time Comparative Market Analysis calculation based on recent regional sold comps, generates equity worksheets, and books listing appointments.

Calculates median price-per-square-foot from MLS sold comps
Books listing agent home walkthrough consultations automatically
Listing Acquisition +28% Seller Consultation Rate
OPEN HOUSE SYNC

Open House QR Visitor Capture & Instant Follow-Up

Digital open house sign-in sheets powered by QR codes. Engages walkthrough visitors via SMS 15 minutes after they leave, answers seller disclosures, and books second private tours.

Eliminates illegible paper sign-in sheets and manual data entry
Auto-sends property feature sheets and disclosures directly to mobile
Visitor Conversion +52% Post-Open-House Engagement
REACTIVATION

Cold CRM Reactivation & Price-Reduction Alerts

Monitors dormant leads across Jack Henry & Associates and Fiserv DNA & Premier. Automatically pings cold prospects when a property in their desired neighborhood or price band has a price drop or new listing alert.

Re-engages leads dormant for 90 to 365+ days with relevant MLS triggers
Converts stagnant database contacts into active showing appointments
Pipeline Recovery +$14,800 Avg Commission per Reactivation
CRM & ESCROW

Certified Two-Way Real Estate CRM & Escrow Hygiene

No manual agent copy-pasting. Every buyer conversation, CMA request, pre-approval letter, and showing appointment notes write back cleanly into Jack Henry & Associates, Fiserv DNA & Premier, Plaid & Finicity APIs, or Plaid & Finicity APIs.

Intelligent deduplication merges portal lead records seamlessly
Creates structured deal logs and escrow milestone alerts
Data Integrity 100% Clean Audit Trails
Autonomous Banking Sub-Agents in Action

9 Specialized AI Sub-Agents for Modern Banking & FinTech Operations

Explore how each autonomous sub-agent works across your institution. From sub-28s automated KYC verification and real-time fraud interception to Plaid cash-flow underwriting, AML/OFAC sanctions screening, and deposit growth—with certified Jack Henry and Fiserv core sync.

SUB-AGENT_01 // KYC_CIP.PY Active 18ms
Sarah Jenkins - KYC & Customer Identification (CIP) Specialist
Sarah Jenkins
KYC & Customer Identification (CIP) Specialist
Neural OCR & Biometric Liveness Bus
GOVERNMENT ID OCR EXTRACTION
Passport #USA-8910248 • MRZ Decoded • Tamper Safe
BIOMETRIC 3D LIVENESS MATCH
Facial Match Score: 99.8% • Anti-Spoofing Validated
KYC Passed 18s Turnaround
CIP Verification Complete
Alex Vance Identity Cleared
18s Processing • Committed to Core Customer Master
CAPABILITY 01 // SUB-AGENT 01

Sub-28-Second Autonomous KYC & Identity Verification

Eliminate 40% account abandonment caused by slow manual document verification. Sub-Agent 01 verifies government IDs (passports, driver's licenses), decodes MRZ zones, inspects micro-patterns, and validates 3D biometric liveness selfies in under 28 seconds.

Neural Document OCR & Tamper Defense: Extracts document fields, validates expiration dates, checks hologram reflectivity, and verifies cryptographic signatures on e-passports.
Anti-Spoofing Biometric Liveness: Detects presentation attacks, deepfakes, and static screen replays with 99.8% precision, ensuring authentic customer verification.
Sub-28s Neural KYC & Biometric CIP Engine
SUB-AGENT_02 // FRAUD_SENTINEL.PY Active 12ms
David Chen - Real-Time Fraud Sentinel & Anomaly Detector
David Chen
Real-Time Fraud Sentinel & Anomaly Detector
Real-Time Transaction Telemetry
TRANSACTION ANOMALY DETECTED
Card Charge: $1,840 (London, UK) • Device Mismatch
2-WAY MULTI-CHANNEL VERIFICATION
SMS & Push Dispatched • Customer Confirmed in 4s
Fraud Intercepted 0 Hold Time
Real-Time Transaction Intercept
Legitimate Charge Authorized
Cardholder Confirmed via Push • 0 False Declines
CAPABILITY 02 // SUB-AGENT 02

Real-Time Fraud Interception & 2-Way Multi-Channel Check

Stop losing cardholders to frustrating false-positive transaction declines. Sub-Agent 02 continuously evaluates transaction velocity, geo-location hops, and merchant category risks, triggering instant interactive 2-way SMS or in-app push verifications in under 3 seconds.

Behavioral Anomaly Detection: Evaluates cardholder spending velocity, device fingerprint changes, and cross-border transactions against baseline financial habits.
Frictionless Interactive Clearance: Cardholders confirm or deny charges with a single tap in SMS or mobile banking, unfreezing cards instantly without call center hold delays.
92% Reduction in Card Fraud False-Positives
SUB-AGENT_03 // LOAN_UNDERWRITE.PY Active 42ms
Elena Rostova - Autonomous Loan Pre-Qualification & DTI Underwriter
Elena Rostova
Autonomous Loan Pre-Qualification & DTI Underwriter
Plaid & Finicity Open Banking API
OPEN BANKING CASH FLOW INGESTION
Plaid Bank Feed: 12-Month Inflows $420,000 • DTI 31.4%
UNDERWRITING DECISION STAGED
SBA 7(a) Loan Approved $350,000 • Term: 10 Years @ 8.2%
Plaid Verified DTI 31.4%
Pre-Approval Generated
SBA 7(a) Loan Letter Issued
42ms Underwriting • Staged in Jack Henry Lending
CAPABILITY 03 // SUB-AGENT 03

Instant Plaid & Finicity Cash Flow Underwriting

Eliminate days of manual bank statement reviews and spreadsheet math. Sub-Agent 03 ingests 12 months of borrower cash flow via Plaid or Finicity, calculates debt-to-income (DTI) and debt-service coverage ratios (DSCR), and generates conditional pre-approvals in under 60 seconds.

Automated DTI & DSCR Computation: Analyzes recurring revenue stability, tax liabilities, and hidden debt service obligations across personal and business bank accounts.
Conditional Loan Letter Generation: Issues branded, bank-approved conditional commitment letters for commercial, mortgage, or auto borrowers with 1-click verification.
<60s Automated Cash Flow Underwriting
SUB-AGENT_04 // AML_OFAC.PY Active 14ms
Julian Vance - AML, OFAC & PEP Sanctions Screening Lead
Julian Vance
AML, OFAC & PEP Sanctions Screening Lead
FinCEN & OFAC Global Sanctions Bus
GLOBAL WATCHLIST SCREENING
Screened OFAC SDN, EU Consolidated • Zero Match
PEP & ADVERSE MEDIA AUDIT
No Politically Exposed Status • Clean Media Dossier
OFAC Clear AML Passed
Sanctions Audit Cleared
AML Screening Certified
14ms Query • FinCEN Audit Timestamp Recorded
CAPABILITY 04 // SUB-AGENT 04

Automated AML, OFAC & PEP Sanctions Screening

Protect your financial charter from catastrophic compliance fines. Sub-Agent 04 screens prospective account holders and high-value wire recipients against global OFAC SDN, PEP, and FinCEN sanctions watchlists in real time with configurable fuzzy matching.

Fuzzy Matching & False-Positive Suppression: Uses phonetic and Jaro-Winkler algorithms to catch aliases and spelling permutations while suppressing false positives against common names.
Automated SAR Package Preparation: When suspicious patterns or true watchlist hits emerge, the AI compiles a pre-formatted Suspicious Activity Report (SAR) packet for compliance officers.
100% FinCEN & OFAC Regulatory Compliance
SUB-AGENT_05 // ONBOARDING.PY Active 20ms
Ava Sinclair - Digital Account Opening & Onboarding Concierge
Ava Sinclair
Digital Account Opening & Onboarding Concierge
Friction-Free Account Opening Bus
APPLICATION INGESTION
High-Yield Checking + Savings • Initial Deposit $5,000
CORE ACCOUNT PROVISIONING
Jack Henry DDA #981024 Provisioned • Virtual Card Issued
DDA Opened Card Provisioned
Onboarding Complete
Account #JH-981024 Provisioned
Apple Pay Provisioned • Welcome Packet Dispatched
CAPABILITY 05 // SUB-AGENT 05

Friction-Free Digital Account Opening & Onboarding

Guide new customers through account opening in under 3 minutes. Sub-Agent 05 coordinates e-signature disclosures, initial deposit ACH transfers, and instant digital debit card provisioning into Apple Wallet and Google Pay.

Zero-Friction Disclosure E-Signatures: Presents E-SIGN compliant disclosures, truth-in-savings terms, and fee schedules with verified cryptographic timestamps.
Instant Virtual Card Provisioning: Issues virtual debit cards immediately upon deposit approval, allowing new account holders to transact before their physical card arrives.
78% Higher Account Onboarding Completion
SUB-AGENT_06 // DEBT_RECOVERY.PY Active 24ms
Marcus Vance - Debt Collection & Friendly Payment Arrangement Coordinator
Marcus Vance
Debt Collection & Friendly Payment Arrangement Coordinator
Empathetic FDCPA Recovery Bus
DELINQUENCY NOTIFICATION
Personal Loan #PL-4091 • 14 Days Past Due ($340.00)
PAYMENT ARRANGEMENT STRUCTURING
Offered Split Payment ($170 x2) • Accepted via SMS
Plan Confirmed FDCPA Compliant
Payment Plan Staged
ACH Installment Agreement Active
Autopay Scheduled • Core Ledger Updated
CAPABILITY 06 // SUB-AGENT 06

Empathetic Early-Stage Debt Collection & ACH Plans

Recover past-due loan and credit payments without hostile, expensive collections call centers. Sub-Agent 06 coordinates friendly, FDCPA-compliant early-stage payment reminders, structuring flexible split payments and automated ACH links.

Compliant FDCPA Workflow Enforcement: Strictly adheres to calling hours, mandatory mini-Miranda disclosures, and cease-communication requests with zero regulatory exposure.
1-Tap ACH & Debit Card Links: Delivers secure payment links directly to delinquent borrowers, enabling instant partial or full payments from external bank accounts.
38% Higher Early-Stage Debt Recovery
SUB-AGENT_07 // CORE_BANKING.PY Active 10ms
Liam Hayes - Core Banking (Fiserv/Jack Henry/Mambu) Integration Sentinel
Liam Hayes
Core Banking (Fiserv/Jack Henry/Mambu) Integration Sentinel
ISO 20022 & Core REST Bus
ISO 20022 TRANSACTION COMMIT
pacs.008 Payment Message • Jack Henry Core Writeback
LEDGER RECONCILIATION
Balanced Journal Entry • 0 Field Collision Errors
Fiserv Synced ISO 20022
Core Banking Commit Verified
General Ledger Synced
10ms Latency • SHA-256 Audit Hash Recorded
CAPABILITY 07 // SUB-AGENT 07

Certified Core Banking Bi-Directional Writeback

Eliminate double-entry between digital banking channels and your back-office ledger. Sub-Agent 07 synchronizes customer records, verified documents, loan jackets, and deposits directly into Fiserv, Jack Henry, and Mambu cores via ISO 20022 standards.

Universal Core Banking Adapters: Features pre-built certified connectors for Jack Henry (SilverLake, Symitar), Fiserv (DNA, Premier), and FIS Global cores.
Cryptographic Audit Ledger: Every ledger commit is timestamped and cryptographically hashed, guaranteeing complete traceability for state and federal bank examiners.
Certified ISO 20022 & REST Core Interoperability
SUB-AGENT_08 // DEPOSIT_EXPAND.PY Active 24/7
Sophia Patel - Wealth Management & CD Product Cross-Sell Lead
Sophia Patel
Wealth Management & CD Product Cross-Sell Lead
Deposit Optimization Bus
IDLE CASH SURPLUS DETECTED
Checking Balance: $84,200 • Earning 0.05% APY
CD RATE LADDER PROPOSAL
Offered 5.25% APY 12-Month CD • Customer Accepted $50K
5.25% APY $50K CD Staged
CD Deposit Captured
$50,000 Term CD Opened
Core Account Committed • Customer Retained
CAPABILITY 08 // SUB-AGENT 08

Deposit Growth & CD Product Cross-Sell Intelligence

Deepen customer share-of-wallet and protect deposits from fleeing to rival high-yield fintechs. Sub-Agent 08 analyzes idle deposit balances, proactively offering high-yield savings, CD laddering, and wealth advisory consultations when balances exceed thresholds.

Idle Cash Balance Intelligence: Detects when customers accumulate excess liquidity in zero-yield checking accounts, suggesting optimized yield alternatives.
CD Maturity Rollover Retention: Automates proactive customer engagement 30 days and 10 days prior to certificate of deposit maturity to prevent deposit runoff.
+$34M New Deposit Inflows & CD Retention
SUB-AGENT_09 // GLBA_COMPLIANCE.PY Active 24/7
Brandon Vance, CPA - Regulatory Compliance, GLBA & Audit Trail Officer
Brandon Vance, CPA
Regulatory Compliance, GLBA & Audit Trail Officer
Financial Compliance & Audit Engine
REGULATORY TELEMETRY AUDIT
524 KYC Checks • 18 Fraud Intercepts • 0 Violations
GLBA PII FIREWALL VERIFIED
Zero Model Training Attestation • AES-256 Encrypted
GLBA Compliant SOC-2 Type II
Compliance Audit Verified
Examiner Audit Packet Ready
FinCEN / OCC Audit Trail Staged • 100% Passing
CAPABILITY 09 // SUB-AGENT 09

Regulatory Compliance, GLBA & Immutable Audit Trail

Financial institution compliance is non-negotiable. Sub-Agent 09 audits every customer interaction against GLBA Safeguards, SOC-2 Type II criteria, and Bank Secrecy Act (BSA) rules, logging every action to an immutable cryptographic audit ledger for bank examiners.

Zero-Training PII Isolation: Guarantees customer SSNs, account balances, and credit reports are strictly quarantined under zero-retention enterprise agreements.
Instant Bank Examiner Reports: Generates exportable compliance audit dossiers in seconds, demonstrating complete policy enforcement during regulatory audits.
100% GLBA, SOC-2 Type II & BSA Regulatory Defense
Interactive Sandbox

Simulate Master AI Agent & Sub-Agents Live

Choose a client scenario below to watch how the Master Agent coordinates sub-agents, answers technical property inquiries, and writes structured records to Jack Henry & Associates.

Select Client Scenario:
Active Sub-Agent Delegated ● Executing (120ms)
Sub-Agent 01: Lead Qualification & Buyer Pre-Screening Lead
Jack Henry & Associates / Fiserv DNA & Premier 2-Way CRM Payload:
Uptime: 99.99% • SOC-2 Type II Verified CRM Writeback
Native Certified 2-Way Sync

Connects Deeply With Your Commercial Banking & FinTech Tech Stacks

Every client action, workflow trigger, automated calculation, and document status writes back directly into your core systems with zero manual re-keying and full audit traceability.

Jack Henry
Fiserv
FIS Global
Mambu
Thought Machine
Plaid
MX Technologies
Alloy Identity
Socure
Persona
DocuSign
Salesforce Financial
Stripe
Twilio SMS
Snowflake
Zapier
Enterprise Data Privacy & Compliance: All financial applications, credit records, and customer identity documents are encrypted with AES-256 at rest and TLS 1.3 in transit. Strictly compliant with GLBA, BSA/AML, FinCEN regulations, and SOC-2 Type II certification.
Enterprise Financial Infrastructure • GLBA & SOC-2 Type II Certified

Enterprise Security, Compliance Guardrails & Agentic AI Governance

Built specifically for community banks, credit unions, digital lenders, and high-growth FinTechs. RhinoAgents enforces strict BSA/AML guardrails, deterministic KYC/CIP verification, continuous fraud evaluation, and complete immutable transaction ledgers.

Zero Regulatory Violations

Deterministic BSA/AML & Lending Guardrails

Hard-boundary validation blocks unauthorized credit limit increases, unverified wire transfers, or unapproved interest rate concessions. Real-time AML rules screen all transactions against OFAC watchlists.

Strictly bounded by BSA/AML, FinCEN regulations & OFAC sanctions
Real-time adversarial prompt-injection & financial manipulation shields
Automated Truth in Lending (TILA) & Equal Credit Opportunity (ECOA) rules
Continuous Evaluation

Automated FinTech AI Evaluation

Continuous evaluation pipelines benchmark KYC verification accuracy, synthetic identity fraud detection, and debt-to-income underwriting calculations against 18,000+ historical banking applications.

18,000+ synthetic & historical loan application and fraud benchmarks
CIP verification accuracy & Plaid asset calculation benchmark score
Automated regression gating on every prompt and credit policy update
Multi-Step Banking Reasoning

True Agentic AI & FinTech Orchestration

Master Banking AI Agent coordinates multi-step financial workflows: ingests identity documents, runs biometric checks via Alloy, analyzes cash flow on Plaid, stages underwriting, and writes to Jack Henry.

Autonomous multi-step reasoning from applicant intake to funded account
Direct tool execution into Jack Henry, Fiserv, Plaid & Socure
Self-correcting error recovery on bank account verification retries
Full Audit Traceability

Immutable Audit Logs & OCC Examination Trails

Every identity check, credit score pull, risk rating justification, and fund transfer approval is recorded in immutable, cryptographically timestamped ledgers for complete OCC, FDIC, and CFPB compliance audits.

Immutable audit logs with cryptographic timestamped receipts
Full compliance officer review & human loan officer approval logs
Exportable telemetry logs for federal regulatory examinations
Financial Data Privacy

GLBA Financial Privacy & Zero Retention

Customer SSNs, bank account balances, tax returns, and transaction records are sanitized in-memory. Zero Data Retention guarantees your institution's customer financial data is never used to train external LLMs.

Zero Data Retention (ZDR): Customer financial data never trains LLMs
Complies with Gramm-Leach-Bliley Act (GLBA) financial privacy rules
Encrypted AES-256 at rest and TLS 1.3 in transit
Banking Availability

Dedicated Financial VPC & 99.99% SLA

Deploy inside isolated single-tenant environments with enterprise SSO, role-based branch manager vs underwriting permissions, and high-availability guarantees during high-volume direct deposit windows.

Single-tenant dedicated VPC & sovereign financial data residency
SAML 2.0 / Okta SSO & role-based credit committee permissions
99.99% mission-critical uptime guarantee for continuous banking ops
SOC-2 Type II Certified
GLBA & BSA/AML Compliant
ISO/IEC 27001 Certified
Zero LLM Training Retention
Jack Henry & Fiserv Certified
99.99% Banking SLA
Turnkey Deployment • Zero Tech Needed

Deploy Master AI Agent, Change Your Rules, and Put It to Work

You don't need prompt engineers, software developers, or technical knowledge. Configure your brokerage's operating rules in plain English in seconds—and if you need custom CRM setup, our engineering team handles it for you.

STEP 01 // 1-CLICK DEPLOY

Hire Your Autonomous Brokerage Lead

Deploy your Master Real Estate AI Agent with 1 click. Comes pre-trained on residential sales, listing intake, and showing coordination scenarios with 9 specialized sub-agents ready to execute.

Pre-built real estate conversational intelligence
Orchestrates 9 specialized sales & operations sub-agents
STEP 02 // PLAIN ENGLISH

Change & Set Your Banking Rules

Define your operating rules in plain English. Set showing appointment windows, lockbox access protocols, minimum pre-approval amounts, and after-hours escalation contacts without touching code.

Adjust price-range filters & neighborhood territories anytime
Set agent round-robin calendar rules in 3 clicks
STEP 03 // GO LIVE

Put It to Work Across All Channels

Activate across website chat, SMS text, WhatsApp, and portal lead feeds. The agent engages buyers in <28s, stages showings, values homes, and writes back cleanly to your CRM.

24/7/365 continuous inbound lead coverage
Direct bi-directional sync to Jack Henry & Associates & Fiserv DNA & Premier
White-Glove Onboarding

Need Technical Help? Our Team Will Set It Up For You

Don't have an in-house financial software team or core banking developer? No problem at all. Our financial integration engineers will connect your core banking APIs, map custom account fields, configure underwriting workflows, and test everything with your risk team via our dedicated white-glove onboarding sprint.

Chargeable Onboarding Sprint Jack Henry & Associates, Fiserv DNA & Premier & Plaid & Finicity APIs Certified 24–48 Hour Complete Turnaround
Book Setup Call Start Free Trial
Transparent Credits-Based Model • Zero Seat Tax

Pure Usage-Based Credits. Build Yourself or Let Our Team Build For You.

No arbitrary per-user seat licenses ($0 seat tax). Pay purely for the execution credits your autonomous agents consume. Create and customize AI agents yourself in minutes, or engage our engineering team to design, integrate, and deploy custom agents for your exact banking & fintech workflows via our white-glove onboarding sprint.

Option A: Self-Service Platform
1,000 Free Credits

Create & Deploy AI Agents Yourself

Full platform autonomy. Design, configure, and orchestrate custom autonomous AI agents in minutes using our visual prompt-to-agent canvas, pre-built Banking & FinTech templates, and live simulator.

Credits-Based / pay-as-you-go execution
$0 per-seat tax • Invite unlimited team members
  • 1,000 free execution credits loaded on signup to test live workflows
  • Visual prompt-to-agent canvas & multi-agent orchestration builder
  • Pre-built prompt libraries for instant KYC/CIP identity verification, real-time transaction fraud screening, and loan intake
  • Connect your own LLMs (GPT-4o, Claude 3.5, Llama 3) or use managed models
  • Direct webhooks, REST API triggers, and CRM/ERP connectors
  • Real-time execution telemetry, token meters, and safety guardrails
Start Free Trial (1,000 Credits)
White-Glove Engineering
Option B: Done-For-You Onboarding
Chargeable Sprint

We Build & Deploy Your AI Agents For You

Don't have the time or engineering bandwidth? Our specialized AI systems team scopes, builds, tests, and deploys custom sub-agent squads tailored to your exact tech stack via a chargeable onboarding sprint.

Custom Onboarding / tailored implementation sprint
Full SLA guarantee • Custom integrations for Jack Henry
  • Dedicated AI Systems Engineer assigned to your project from day one
  • Deep operational audit & custom sub-agent architecture design
  • Bi-directional integration with your Jack Henry, Fiserv, Mambu, Plaid, and core banking APIs
  • Custom domain RAG vector indexing with your SOPs, policies, and knowledge bases
  • Adversarial red-teaming, hallucination guardrails, and compliance verification
  • Hands-on team onboarding, live monitoring handoff, and prompt tuning support
Discuss Onboarding Sprint
1-on-1 Architecture Consultation

Setup a Call to Discuss Your AI Agent Requirements

Have complex banking operations and fintech underwriting workflows or legacy tech stack requirements? Speak directly with our AI systems engineering team. We'll analyze your operational bottlenecks, map out your custom sub-agent architecture, and provide a clear credits estimation and onboarding scope.

Workflow & Bottleneck Assessment
Custom API & CRM Architecture Scope
Security, Compliance & Guardrail Review
Cost Transparency Comparison

Why RhinoAgents Credits-Based Model Beats Legacy Per-Seat Pricing

Capability / Cost Factor Legacy Per-Seat SaaS & BPOs RhinoAgents Credits Model
Per-Seat User License Fees $150 to $450 / user / month tax $0 Seat Tax • Unlimited Team Members
Execution Cost Model Fixed subscription regardless of usage Pure Usage Credits • Pay only for executions
AI Agent Creation Flexibility Locked features or rigid bot templates Self-Service Builder OR Done-For-You Sprint
Onboarding & Custom Integration $25,000+ multi-month enterprise consulting Chargeable Sprint with 24–48h SLA & Direct Engineers
Starter Credits 0 (Credit card required upfront) 1,000 Free Credits on 14-Day Trial
Common Questions

Frequently Asked Questions

Everything you need to know about hiring the AI B2B Revenue Agent, deliverability guardrails, competitor battlecards, and white-glove CRM setup.

Bank-grade cryptographic security. RhinoAgents operates under strict Gramm-Leach-Bliley Act (GLBA), SOC-2 Type II, and PCI-DSS Level 1 compliance guardrails. All financial records, customer SSNs, and banking transactions are protected by AES-256 encryption at rest and TLS 1.3 in transit with dedicated tenant isolation. In addition, RhinoAgents maintains zero-retention enterprise agreements with model providers, guaranteeing customer financial PII is never logged or used for LLM training.
Sub-Agent 01 verifies government IDs and 3D liveness in <28s. It utilizes neural OCR and biometric facial matching to verify government IDs (Passports, Driver's Licenses) and 3D liveness selfies. It cross-checks MRZ checksums, hologram micro-patterns, and anti-spoofing indicators before issuing approval.
RhinoAgents provides certified integrations with Jack Henry (SilverLake, Symitar), Fiserv (DNA, Premier), FIS Global, Mambu, Thought Machine, Plaid, Finicity, and Salesforce Financial Services Cloud via ISO 20022 and secure REST APIs.
Instant 2-way multi-channel interactive verification. Traditional rule-based fraud engines trigger frustrating false-positive card blocks. Sub-Agent 02 (Fraud Sentinel) evaluates contextual behavioral signals (device fingerprint, geolocation, spending patterns) and initiates an instant interactive 2-way SMS or push verification in under 3 seconds, enabling cardholders to confirm legitimate charges without call center hold delays.
Sub-Agent 03 ingests bank statement data directly via Plaid or Finicity open banking APIs. It analyzes 12 months of historical cash inflows, computes real-time Debt-to-Income (DTI) and Debt Service Coverage Ratios (DSCR), and generates an automated underwriting decision summary for loan officer review in under 60 seconds.
Yes, with simple visual controls. Sub-Agent 04 checks prospective account holders against global OFAC, PEP (Politically Exposed Persons), and FinCEN sanctions lists in real time. Compliance teams can adjust fuzzy name matching thresholds, jurisdictional sanctions rules, and mandatory SAR escalation protocols with simple dashboard toggles.
$0 per-seat tax. Unlike legacy banking technology vendors that charge $200 to $400 per agent per month, RhinoAgents allows your entire institution (loan officers, underwriters, branch staff, risk managers) to collaborate with zero seat fees. Plans start at $20/month with 1,000 free trial credits included.
Yes, compliant with FDCPA guidelines. Sub-Agent 06 coordinates empathetic, compliant early-stage collections (1–30 days past due). It offers customers flexible payment arrangements, automated payment links, and ACH schedule setup without hostile call center tactics.
24/7/365 continuous digital branch operations. The AI operates across mobile banking apps, web chat, SMS, and telephone lines. It resolves routine banking requests (balance inquiries, card lock/unlock, wire status, fee waivers) instantly, reserving complex wealth management or dispute claims for branch staff during business hours.
Explore All Banking & Financial AI Solutions: Choose the right modality for your financial institution:
Website Banking Chatbot → Voice AI Phone Teller → Autonomous Master & Sub-Agents (Current)
Ready to Transform Your Banking Operations?

Put Your Autonomous AI Agents to Work Today

Join leading commercial banks, credit unions, and fintech lenders that use RhinoAgents to verify KYC in <28s, automate loan underwriting, and scale digital banking operations 24/7.

Start 14-Day Free Trial Book Banking Strategy Demo
1,000 Free Credits Included No Credit Card Required Live in Under 15 Minutes