The bank with no branches, only outcomes.
Open an account, borrow, and bank entirely online. An AI agent guides every step — reasoning over our rules engine, workflow, and core banking backend in real time.
Total balance
Live$30,432.19
Aria · AI agent
You have $500 idle in checking. Move it to savings at 4.3% APY?
One platform, four journeys
Everything a branch did, done better online.
Digital onboarding
Open an account in minutes. The agent captures your details, runs KYC and sanctions checks through the rules engine, and provisions accounts instantly.
KYC · AML · instant provisioning
Digital lending
Apply for a loan and get an instant, explainable decision. The agent prices to risk, checks affordability, and routes edge cases to underwriters.
Instant credit decisions
Digital banking
Balances, transfers, cards and insights in one place. The agent watches your money and nudges you toward better outcomes.
Accounts · transfers · insights
AI support
Chat with Aria to check balances, freeze cards, dispute charges or borrow — an agent that can actually take action on the backend.
Agentic, tool-using assistant
The agentic AI layer
An agent that reasons, then acts on real systems.
Every journey runs through a single agentic layer. It interprets intent, calls the right backend tools, and returns explainable decisions — never a black box.
Tawifin AI Agent
Intent · reasoning · tool selection · explanation
Rules engine
Deterministic KYC, AML and credit policies with weighted scoring.
Workflow
Orchestrates each step, routing edge cases to humans when needed.
Core banking
Ledger, accounts, cards and payments — the system of record.
Ready when you are. No branch required.
Join a bank built for people who'd rather not visit one. Open an account in minutes and let the agent do the heavy lifting.
4 min
Average time to open an account
92%
Applications decided instantly
4.3%
APY on High-Yield Savings
24/7
Agentic support, no queues