Agentic banking infrastructure: AI agents, money rails and policy in one API
TwelveAI gives banks, fintechs, wallet providers and payment processors one API for conversational banking. Customers ask in plain language (chat, WhatsApp or voice note) and TwelveAI turns the request into a real, authorised financial action, with intent recognition, multi-step orchestration, guardrails, authorisation controls and a full audit trail. The financial layer includes virtual accounts and wallets in NGN, USD, GBP, EUR and GHS, transfers across Nigerian banks, FX swaps, bill payments, airtime and identity verification, or teams can bring their own rails. Usage-based pricing with no plans or setup fees. Launched in August 2026, TwelveAI powers 7 WhatsApp banking platforms in Nigeria.
Branchless banking for individuals and small businesses in Ghana
Banking-as-a-Service API for Nigerian fintechs
Satellite-powered credit and farm inputs for smallholder farmers
Doing in Nigeria, Ghana what TwelveAI had to do.
