Agentic AI Cloud Core Banking
Banking infrastructure for the Agentic AI era
Launch products faster, automate regulated workflows safely and keep every AI assisted action inside permissions, policies, audit trails and human approvals.
Real-time core banking
Headless, API-first
Governed AI workflows
European compliance foundation
CoreFiSystem of record + governed agent control plane
Onboarding AgentKYC, AML, consents and document checks.
Credit AgentEligibility, scoring, offer optimization.
Operations AgentExceptions, queues and human approvals.
Service AgentCustomer support and account servicing.
52-second platform overview
See the CoreFi control plane in motion.
A guided walk-through of the seven-step banking lifecycle, the four platform pillars, the five agent roles and the case-level audit record: the governed control plane CoreFi is built on.
Why now
Legacy cores cannot safely support autonomous AI action.
Banks are under pressure to put AI agents to work. Most core systems were never designed for it: batch ledgers, brittle integrations and no native concept of agent permissions, policy checks or machine-readable audit. Connecting an agent to that stack creates risk no supervisor will accept.
No permission model for agents
Service accounts and shared credentials give software more access than any policy intends. There is no scoped, revocable permission set per agent role.
No policy gate before the ledger
Legacy cores execute whatever a connected system submits. Limits, thresholds and approval steps live in documents, not in the transaction path.
No evidence trail for supervisors
When an automated action is challenged, the bank reconstructs context from logs scattered across systems. There is no case-level record of what the agent saw, proposed and was approved to do.
CoreFi was built for this gap: a real-time core with permissions, policy gates, human approvals and audit as primitives, so AI assisted operations stay inside the bank's control framework. See how the architecture enforces it.
How CoreFi works
Every interaction enters through one governed control plane.
Customers, employees, AI agents and partners all reach CoreFi through the same channels — and the same AI Governance Layer enforces permissions, policy gates, human approvals and audit on every action before it touches the banking core or any ecosystem service.
Where Agentic AI becomes banking operations
Five agent roles. One governed banking core.
CoreFi turns agents into operators of regulated workflows — through permissioned APIs, policy rules, audit trails and human approvals. They assist; CoreFi controls. Each card pairs the operational problem with the agent action and the control that keeps it safe.
01
Onboarding Agent
Problem. Manual KYC and AML reviews stall account opening and inflate cost-per-acquisition.
Agent action. Collects identity data, runs screening, prepares document checks and packages exceptions for review.
Control. Consent capture, policy gates and human approval before any account is opened or funds move.
02
Credit Agent
Problem. Credit decisions span scoring engines, bureau data, documents and committee policy — too slow, too fragmented.
Agent action. Assembles eligibility context, drafts an offer, simulates terms and routes the file for approval.
Control. Risk thresholds, model boundaries and approver routing enforce policy on every decision the agent prepares.
03
Service Agent
Problem. Customer requests get stuck across channels, with no single view of account, transactions and entitlements.
Agent action. Resolves balance, statement, dispute and self-service requests grounded in the live ledger and CRM.
Control. Authentication, role-based access and redaction stop sensitive data leaving the governed perimeter.
04
Operations Agent
Problem. Exceptions, reconciliations and back-office queues consume capacity without ever reaching customers.
Agent action. Triages exceptions, suggests resolutions, prepares reconciliations and orchestrates back-office workflows.
Control. Operator handoff, dual-control approvals and full audit trail on every state change in the core.
05
Compliance Agent
Problem. AML, transaction monitoring and regulatory reporting depend on evidence stitched across teams and tools.
Agent action. Continuously reviews alerts, drafts case files, gathers evidence and prepares regulatory submissions.
Control. Compliance officer sign-off, immutable evidence logs and segregated duties before any filing leaves the bank.
+
Custom agents on the same control plane
Add agents for collections, fraud, treasury or product activation — each one inherits the same permissions, policy gates, audit logs and human-in-the-loop approvals as the rest.
See how a governed agent works →One modular platform, multiple banking capabilities
Eight modules. One control plane. Pick the journey that matters first.
Adopt CoreFi by capability, not by big-bang replatform. Every module shares the same APIs, permissions, audit trail and AI workflow control plane — so what you launch first scales into the rest without re-architecting.
01
Core Banking Engine
Real-time ledger, accounts, wallets, products, event streams and workflow guardrails.
Explore →02
Customer Onboarding
KYC, AML, document and consent journeys that turn intent into activated, audited accounts.
Explore →03
Lending Automation
Eligibility, decisioning, offers, disbursement, servicing and portfolio insight as a service.
Explore →04
Headless APIs
Expose banking capabilities to apps, partners and agents through governed, permissioned APIs.
Explore →05
White-Label Channels
Branded web and mobile experiences for retail, business and embedded customers — on the same core.
Explore →06
Payments & Stablecoin Rails
Domestic, cross-border and stablecoin-denominated movement with full reconciliation and reporting.
Explore →07
Digital Asset Infrastructure
Custody, wallets and tokenized-asset programmes integrated with the banking ledger, built for licensed issuers.
Explore →08
AI Workflow Control Plane
The governance layer where agents, models, policies, approvals and audit trails meet your banking core.
Explore →Adopt CoreFi your way
Five deployment paths. Pick the one that matches your risk and pace.
CoreFi is not an all-or-nothing replatform. Banks, lenders and fintechs choose the path that fits their balance sheet, their legacy estate and their regulator — then expand on the same backbone.
Launch new
Stand up a new digital bank, lender or fintech on CoreFi end-to-end — core, onboarding, lending, channels.
For new licences, neobanks, embedded brands.Modernize one journey
Replace a single high-friction journey — onboarding, lending or servicing — and prove value before scaling.
For incumbents with constrained change windows.Run alongside legacy
Deploy CoreFi as the digital and AI layer in front of the existing core, with controlled integration.
For banks unable to retire legacy short-term.Migrate progressively
Move products, segments or geographies onto CoreFi in waves — keeping the legacy active until cutover.
For multi-year modernization programmes.Operate as managed platform
CoreFi runs the platform — infrastructure, upgrades, observability — while your team runs the bank.
For lean operators that want capability, not ops.Choose your path
Built for the people who answer for the bank.
Each role gets a dedicated briefing: the problem CoreFi solves for you, the proof behind it and the questions we expect you to ask.
CEO
Growth, cost-to-income and an AI story the board can stand behind, without taking uncontrolled operational risk.
CEO briefing →CIO
Architecture, coexistence with the legacy estate, security posture and a deployment path your team can defend.
CIO briefing →CDO
Digital products and channels on one real-time core, with APIs your squads can build on from week one.
CDO briefing →COO
Operations capacity from governed automation: queues, exceptions and approvals measured end to end.
COO briefing →CRO & Compliance
Permissions, policy gates, audit evidence and human approvals on every AI assisted action in the core.
Risk & compliance briefing →Partners
KYC, payments, scoring, data and system integrators: how to build with CoreFi and reach its customers.
Partner overview →From first contact to lifetime value
Acquire → Verify → Open → Lend → Service → Grow.
CoreFi connects every banking moment to the systems that make it real: lowering cost per funded account, increasing lifetime value and replacing six disconnected stacks with one operating fabric.
Acquire
Campaigns, partners and embedded channels feed a measurable activation funnel.
Verify
KYC, AML, sanctions and document checks executed under consent and policy.
Open
Accounts, wallets and product setup live on a real-time core ledger.
Lend
Eligibility, decisioning, offers and disbursement, automated, with human approvals where they matter.
Service
Account servicing, payments, statements and exception handling on a single ledger of truth.
Grow
Cross-sell, retention, new products and operational insight compound lifetime value.
Scale
From 200K to 2 million end users on the same core.
CoreFi runs 200k+ end-customer accounts in production today. The scaling model from that baseline to 2 million rests on five levers: faster onboarding, lending automation, partner distribution, servicing efficiency and repeatable country expansion. Each lever is an operational capability of the same platform, not a new build. The milestones are a strategic model, not a promised user count.
Built for control, not unsupervised automation
The control plane every regulator, risk officer and CIO expects.
Agents are productive only when they cannot bypass policy. CoreFi treats permissions, audit and human approvals as primitives — not features bolted on after launch — and stays model-agnostic so your AI stack is never locked to a single vendor.
Permissions & RBACEvery API call, agent action and operator step is permissioned by role and scope.
Policy checksLimits, thresholds and rules evaluated before any state change in the core.
Audit trailImmutable log of context, prompts, tool calls, decisions and approvals.
Human approvalsBuilt-in human-in-the-loop on the actions that move money or risk.
AML, KYC & sanctionsScreening, monitoring and case management integrated end-to-end.
GDPR & data residencyEuropean data foundation with consent, minimization and retention controls.
Operational resilienceSLOs, runbooks, incident management aligned with EU resilience expectations.
Model-agnostic AIUse ChatGPT, Claude, Gemini or proprietary models — without locking the bank in.
The CoreFi premise
“The model proposes. CoreFi enforces. The human approves what the policy says they must.”
One real-time core, one governed control plane, five agent roles. Why CoreFi was built for licensed institutions standing in front of their supervisors, not for excitement about AI. 1 min 18 from the CoreFi team.
Resources stay active
Insights, articles and events remain part of the growth engine.
The new structure keeps CoreFi’s existing thought leadership and event sections while making them support the new strategic narrative.
Ready to build AI-governed banking operations?
Request a platform demo. Or start with an executive briefing.
Live walk-through of the core, the agents and the control plane: with your team, on your journey, against your numbers.