Sep 23, 2026·6 min read
A month on the rails: what we shipped
Seven releases, five currencies on one ledger, and our own banking app moved onto the rails we sell. A build log of the last month at TwelveAI, written from the inside.
Read article →Agentic banking infrastructure.
AI agents, money rails and policy in one API, for banks and fintechs building the next interface. Agents that pay, save, buy and reconcile for your customers, with your rules on top. Run on our rails, or bring your own.
Financial infrastructureAI intelligenceConversational experience
twelveai · runtime
- Message"Send ₦250,000 to Sarah and tell me my balance afterwards."
- Intent detectedtransfer + balance_inquiry
- Financial contextMain account · ₦1,204,500 available
- AuthorizationWithin limits · confirmation required
- Hand-off to your railsyour POST /transfers · ₦250,000 → Sarah Okafor
- Response"Sent ₦250,000 to Sarah. Your balance is now ₦954,500."
Ask it what your customers would ask.
This is the production engine, not a recording. It routes, calls tools and gates money exactly as it would for your bank, on sample data. Give it a real account number and watch it verify the actual account holder.
Live sandbox · sample data, no real money · conversations may be reviewed to improve the product
The problem
Financial products still make people navigate.
Dashboards, menus, forms, transaction pages, account screens, one product bolted onto another. Every feature adds another place to go and another thing to learn. The interface, not the task, becomes the work.
Conversational banking removes the maze. Instead of asking “where do I go to do this?”, people simply say what they want, and the AI becomes the interface.
“Send ₦100,000 to James.”
“How much did I spend on logistics this month?”
“Convert $500 to naira.”
What TwelveAI is
The infrastructure between AI and financial systems.
TwelveAI is not a chatbot and not a banking app. It is the layer that lets AI understand financial intent, reason over real context, and safely execute financial actions, so your product can offer conversation as the interface.
01
Financial infrastructure
Accounts, transfers, payments, FX, cards, and identity, connected through one interface.
02
AI intelligence
Intent recognition, financial reasoning, memory, and agent orchestration on top of that.
03
Conversational experience
The natural-language layer your customers actually talk to, on any surface.
Platform architecture
One layer connecting AI agents to financial systems.
Your application talks to the TwelveAI intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and your regulated providers.
Applications
Your product
BanksFintechsWalletsNeobanksFinancial SaaS
TwelveAI Intelligence Layer
Understand and reason
Intent RecognitionContext EngineFinancial ReasoningAgent OrchestrationMemoryGuardrailsAuthorization
TwelveAI Financial Infrastructure
Execute actions
AccountsTransfersPaymentsFXCardsBillsWalletsTransactionsIdentity
Financial Providers
Regulated rails
BanksPayment processorsCore bankingFintech infrastructureExternal APIs
Conversational banking
From conversation to financial action.
A single request moves through understanding, financial context, authorization, and execution, then returns a grounded answer. The customer just talks; the infrastructure does the rest.
ConversationUnderstandingContextAuthorizationAction
12
TwelveAI Assistant
grounded on live account data
How much did I spend this month?
Ask about accounts, spending, or send money…
WhatsApp banking
Bank on WhatsApp. We run the conversation.
Connect your WhatsApp Business number and TwelveAI handles the whole loop: it answers customers, understands voice notes, and confirms money moves with a tap. You just point your webhook at us. Money movement stays on your own rails, we never hold a wallet.
Connect your numberVoice notes, understoodTap to confirmYour rails, your moneyGrounded answers
12
Your Bank
online
Send 5,000 to Mum
0:04
I found GRACE ADEYEMI · GTBank · 0123456789. Send ₦5,000?
ConfirmCancel
Done. ₦5,000 sent to GRACE ADEYEMI. New balance ₦147,340.
Platform capabilities
Everything an agent needs to act on money.
A composable set of primitives for building financial agents that understand, reason, and execute, safely.
AI Agents
Build financial agents that understand user intent and complete real financial workflows, not scripted replies.
Financial Context
Give agents grounded access to accounts, balances, transactions, and history, so answers are true, never guessed.
Banking APIs
Connect conversation to real operations: transfers, payments, FX, cards, and bills through one interface.
Agent Orchestration
Coordinate multiple financial APIs and specialist agents to complete complex, multi-step tasks in one thread.
Guardrails
Control exactly what agents can see, recommend, and execute, with limits and policy enforced by the system.
Human Approval
Require explicit confirmation, PIN, or OTP before any sensitive financial action moves money.
Memory
Let assistants understand recurring preferences, beneficiaries, and context across a conversation.
Observability
Monitor AI decisions, financial actions, errors, and workflows with a full, auditable trail.
Connections and automations
Plug in what you already use. Let the agents run the rest.
Every connection is a set of tools your agents can call, with your permissions on top. Every automation is a trigger on your rails, your customers or your calendar, and an action on one of these connections, no code, set up in the console.
WhatsAppEmailSMSGoogle WorkspaceGoogle DriveSpreadsheetsGoogle CalendarSlackMicrosoft TeamsDiscordWhatsAppEmailSMSGoogle WorkspaceGoogle DriveSpreadsheetsGoogle CalendarSlackMicrosoft TeamsDiscord
T2
WhenA deposit lands on a customer accountThenSend them a WhatsApp receipt- WhenA customer finishes a chatThenEmail the transcript to support
- WhenA transfer is stuck at the bankThenOpen a Jira ticket for ops
- WhenEvery Monday at 8:00ThenPost the weekly summary to Slack
- WhenA policy blocks an actionThenAlert the risk channel on Teams
- WhenA payee is savedThenLog it to the reconciliation sheet
Banking rails
We give you the rails, not just the AI.
TwelveAI provides the financial primitives your product runs on, wallets, account numbers, transfers, USD wallets, and swaps, all reachable through conversation or a plain API. Run on ours, or bring your own.
Virtual account created
8123 4567 90
Providus · funded ₦250,000
$USD wallet + swap live
Banking-as-a-service
A full BaaS underneath the intelligence.
Give each customer a dedicated account number, hold NGN and USD balances, move money to any bank with verification, and swap at live rates, all by API key. The money sits with our licensed, NDIC-insured banking partner; the engine keeps the ledger.
- Wallets & balances
- Dedicated account numbers
- Transfers & payouts
- USD wallets & swaps
- Sandbox from day one
- Signed webhooks
Wallets
A naira wallet per customer with a ledger the engine keeps, balances, pending holds, and statements.
Account numbers
A dedicated account number per customer, issued through the partner bank, for deposits and collections.
Transfers
Move money to any Nigerian bank with recipient verification, a flat fee, and idempotent retries.
USD wallets
A dollar wallet next to the naira one, credited by swaps and readable on the same statement.
NGN/USD swaps
Quote first, then swap between naira and dollars at the provider rate plus your own margin.
Bills & airtime
Airtime, data, and utility bills across every major provider.
Identity
Resolve accounts and verify recipients before any money moves.
Use one rail, or all of them. Bring your own, or run on ours.
Explore money rails →Multi-currency wallets
One balance sheet. Naira, dollars, pounds, euros and cedis.
Give every customer a wallet in the currencies your product actually serves. The engine keeps one ledger across all of them, so a balance, a transfer and a swap read the same whichever currency they are in.
Customer walletLive ledger
NGNNigerian naira
₦1,284,500.00
Transfer to GTBank 0123456789-₦25,000.00
You choose which of these your customers can hold. Naira is always on, and a currency that already holds money can never be switched off, so a balance is never hidden by a setting. Money moves on the naira rails today, with naira and dollar swapped at live rates.
For developers
Give your AI access to financial infrastructure.
One call turns a message into a structured, validated financial action, with intent, amount, recipient, and whether confirmation is required. Bring your own rails; wire tools; ship.
request.js
const res = await twelve.chat({
message: "Send ₦50,000 to Sarah",
customerId: userId,
})response.json
{
"intent": "transfer",
"message": "₦50,000 to SARAH OKAFOR. Confirm to send.",
"pendingConfirmation": {
"tool": "transfer_funds",
"arguments": { "amount": 50000 }
},
"continuation": "enc.a91x"
}Pricing
One meter. No plans.
You fund a prepaid naira balance and pay per token, like any model API. Every response tells you what that turn cost, to the kobo.
₦12/ 1k
Input tokens
what comes in
₦72/ 1k
Output tokens
what it writes back
Bring your own model key and these drop to ₦2 / ₦4, with the model billed to you directly by your provider.
What that looks like
“Send 5,000 to 0123456789 at GTBank”
Routed, recipient verified against the bank, policies applied, transfer gated for confirmation.
₦26for that turn
A balance question is nearer ₦8. Roughly 200 to 600 conversations per ₦5,000.
₦100per minute
Voice notes
Transcription, billed on audio length.
₦90per verification
Identity check
Managed BVN/NIN, stateless.
Freekeyword layer
Intent routing
AI reasoning billed as tokens.
No monthly planNo seatsNo minimum spendNo setup fee
Start with ₦5,000 free on signup. Top up from ₦5,000 whenever you choose, and see every turn itemised in your dashboard. Volume pricing is negotiated per business.
Book a call, get ₦100,000 in free AI credit.
Talk to the team that built the engine, tell us what you are shipping, and we put ₦100,000 of AI credit on your workspace so you can build against the real thing before you spend anything.
Book your call
Three required fields. We reply the same working day.
Use cases
Built for financial products of every shape.
From conversational banking to embedded finance, the same infrastructure powers many experiences.
TwelveAI Payments
Collect payments on your website and app.
Beyond conversational banking, TwelveAI Payments lets your business accept money online, cards, transfers, and checkout, with verification and instant settlement. The same rails, pointed at collections.
Card & bank checkoutPayment linksSubscriptionsInstant settlementWebhooks
Payment received
+ ₦45,000.00
POST /payments/initialize
status: success
Also a personal bank
We build the infrastructure, and we use it too.
TwelveAI runs a real consumer banking app on the same rails we sell. Send money, buy airtime, pay bills, hold dollars, swap, and spend, all by chatting, in the app or right inside WhatsApp.
Send money
Airtime & data
Pay bills
USD accounts
NGN ↔ USD swaps
Dollar cards
“Send ₦50,000 to Sarah”
Sent ₦50,000 to Sarah. Balance: ₦904,500.
Security & reliability
Automation you can put in front of regulators.
Financial infrastructure requires trust. Every action is authorized, confirmed where it matters, and fully auditable.
Authorization
Every action passes through limits, policy, and role-based permissions before it can run.
Human-in-the-loop
Sensitive actions require explicit confirmation, PIN, or OTP, handled through secure flows.
Agent permissions
Scope exactly which tools, accounts, and actions each agent is allowed to touch.
Grounded answers
Agents answer only from real financial data, never fabricated balances or rates.
Audit trails
Every intent, decision, tool call, and outcome is recorded and reconstructable.
Data protection
Secrets are encrypted at rest; credentials are never exposed in conversation.
TwelveAI is a financial technology company, not a bank. Banking services are provided by our banking partner, Safe Haven Microfinance Bank, licensed by the CBN and NDIC insured.
Built for builders
Build the banking experience.
We handle the intelligence layer.
Connect your financial infrastructure to an AI layer designed to understand financial intent, orchestrate actions, and create natural customer experiences.
POST /v1/chat
intent: transfer
requires_confirmation: true
12AI-native by design
API-first
One clean API turns a message into a structured, validated financial action.
Developer-friendly
Sensible defaults, clear errors, and a live sandbox to test before you ship.
Composable
Bring your own rails and tools; compose agents and endpoints as you grow.
Infrastructure-ready
Built for reliability, reconciliation, and scale on real financial systems.
AI-native
Intent detection, grounding, and orchestration are the core, not an add-on.
Two models of banking.
TwelveAI provides the infrastructure that makes the second model possible.
Traditional banking
- Apps
- Menus
- Forms
- Dashboards
- Multiple workflows
Conversational banking
- Ask
- Understand
- Reason
- Confirm
- Execute
From the blog
Ideas on conversational banking infrastructure.
Build the next generation of financial experiences.
Give your customers a banking experience that understands them.