Lending and deposit growth
Connect every profile
with an opportunity.
Connect your members' needs with your lending, savings, and investment products. Give your team's follow-up the context and institutional policies it needs.
White Label AI Agentic Banking
for Credit Unions and Financial Industries.
Grow
your institution with
agentic banking.
Digitize onboarding, connect what you know about your members and customers, and activate a team of AI agents. All powered by banku core.
Your brand. Your systems. Your rules.
OneIDDigital identityOneGraphFinancial ontologyOneTeamAI agents
OneTeam · IntelligenceYour institution is in control
OneGraphShared ontologyMembers · Products · Policies
NoraCoordinationLíaOnboardingLeoProductsVeraMarketingAdaServiceBrunoOperationsOne shared platform: banku core
Your member relationships.
More capacity to grow them.
CooperativesCredit unionsFinancial institutions
An agentic banking platform, under your brand
Three layers.
One shared core.
Onboarding is the beginning. Identity becomes connected knowledge, and agents use that knowledge to get work done. OneID, OneGraph, and OneTeam run on banku core.
01 / IDENTITY
banku coreThe shared foundation connecting all three layers.Workflows · Integrations · Permissions · Traceability
OneID
Create a digital identity.
Complete onboarding.
OneGraph
Connect the information.
Build the ontology.
OneTeam
Activate your AI team.
Work with shared knowledge.
Your brand shapes the experience. Your products and policies guide the work.
See the platform in action
One journey.
Two perspectives.
Follow a fictional member from digital onboarding to an action prepared by the AI team. Switch to the staff workspace to see the context and approval step.
Try the interactive experience ↗Illustrative demo · Fictional dataYour institutionWHITE LABEL
AM
Alex MorenoFictional member
OneID ✓IdentityOneGraphContext
OneTeam / Leo
The next action is ready for your team to review.
Your team approves→
Value for your institution
More capacity to grow.
More time for your members.
Connect every profile
Member experience
Keep the context
in every conversation.
Support onboarding, product discovery, and service across enabled channels. Keep the context so each interaction can move forward without starting over.
Operational efficiency
Free your team
from repetitive tasks.
Coordinate documents, inquiries, requirements, and follow-up with specialized agents. Your team focuses on exceptions and decisions that need human judgment.
How we get started
Choose where you want
to create more value.
Together, we define the layers, connections,
and first process for your institution.
- 01
Understand
We prioritize onboarding, data unification, or a process for your agents.
- 02
Define
We agree on products, data sources, integrations, and success criteria.
- 03
Validate
We configure your brand, identity, ontology, and agents. We validate permissions and approval steps.
- 04
Expand
We review onboarding and business development progress to decide which capabilities come next.
Before we begin
Let's make
things clear.
Product, integration,
and your institution's control.
Is banku a bank?
banku is technology infrastructure for cooperatives and financial institutions. It operates under the institution's brand, while the institution retains its products, policies, and member relationships.
What does OneID onboarding include?
Document and identity verification with liveness checks and facial recognition; completion of the institution's digital form; documents and consent; electronic signatures; and payment of a membership contribution where applicable to the cooperative's process. The result is a digital ID linked to its evidence and connected to subsequent workflows.
What is banku core?
It is the shared platform that runs OneID, OneGraph, and OneTeam. It connects identity, ontology, and agents through workflows, rules, permissions, and integrations. It connects to your institution's core banking system and other systems within the agreed implementation scope.
What do OneTeam agents do?
OneTeam is the intelligence layer that works with OneGraph's ontology. The institution configures agents for marketing, products, scoring support, service, and operations. They share knowledge, perform tasks through banku core and enabled connections, and escalate actions that require approval.
Does OneTeam approve loans automatically?
The institution retains control of its policies and approvals. Agents identify potential product matches and guide the next steps. Eligibility depends on repayment capacity, documentation, and institutional criteria; a catalog match is not a loan approval.
What information does OneGraph connect?
OneGraph creates the financial ontology: it models relationships between identity, income, documents, interactions, products, and policies. It unifies available sources and incorporates financial scoring and proprietary social scoring as context for evaluation. Each signal retains its source and is used according to the institution's authorizations and rules.
Does banku integrate with our core banking system and channels?
Implementation builds on your existing systems through APIs and connectors. Integration with your core banking system, digital banking, payment gateways, and channels is assessed with their providers. Experiences can be enabled through a web app, native app, and WhatsApp, depending on the project.
How are data, security, and Open Finance handled?
The project defines data access, consent, encryption, and traceability. For Open Finance, each connection must be linked to an identified person and an authorized purpose. Applicable sources, permissions, integrations, and controls are confirmed with the institution before operation.
Can we start with a single module?
Yes. We can start with digital onboarding and agree on the next phases for data and agents. Roles, processes, and integrations are enabled according to each implementation's priorities and scope.
Your next step starts here
Your next chapter.
With agentic banking.
From onboarding to operations.
One complete platform, under your brand.