For banks, wealth managers, and FinTechs, we build custom SOC2-Compliant AI agents that execute transactions, detect fraud, and deliver personalized financial advice—without ever exposing PII to public models.
Banking customers don't just want to know "What are your hours?" They want to move money and get advice. Relying on simple FAQ bots creates three critical failures:
Most bots can't touch money. Customers get frustrated when they have to call a human to make a wire transfer. Our action-agents connect securely to your core banking API to execute trades and transfers.
You cannot paste customer financial data into ChatGPT. It violates GDPR and GLBA. Our private LLM architecture ensures data stays within your firewall, invisible to the outside world.
A generic bot gives generic saving tips. Our AI analyzes the user's specific transaction history (spending patterns, debts) to offer hyper-personalized wealth management strategies.
They fail in multi-step, high-stakes interactions such as fraud, disputes, or complex service requests. Our AI maintains context across conversations, enabling accurate, real-time decision support.
Reduce call center volume. Customers ask: "Transfer $500 to Savings" or "Lock my card." The AI authenticates the user (via Biometrics/2FA) and executes the function via API instantly.
Democratize private banking. The agent reviews a client's portfolio performance and answers complex questions: "How does the rate hike affect my bond holdings?" utilizing real-time market data.
Proactive security. Instead of a cryptic SMS code, the AI messages the user: "I noticed a $200 charge in London. Was this you?" The user replies "No," and the AI blocks the card and issues a reissue request immediately.
Before any text leaves the user's device, we run a local PII scrubber. Account numbers and SSNs are replaced with tokens (e.g.,
We don't share GPU clusters. We deploy open-source models (Llama 3, Mixtral) or private Enterprise GPT-4 instances inside your Virtual Private Cloud (VPC).
We separate "information" (Read-Only) from "money movement" (Write). Any "Write" action triggers a Step-Up Authentication challenge (FaceID or OTP) before the API call is allowed.
Financial regulators need a paper trail. We log every prompt and response in an immutable ledger (WORM storage), ensuring you can reconstruct any interaction for an audit.
Give your customers the intelligent experience they expect.
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+1 408 365-4638
contact@folio3.ai
6701 Koll Center Parkway, #250 Pleasanton, CA 94566
