Your rules
You define what the agent can and cannot do.
We deploy AI agents
that handle money.
Agents that carry out real banking transactions for your customers, under policies, approvals and audit trails you control.
0%
of U.S. consumers and small businesses already take their money questions to AI. Not to their banker.
TD Bank · 2026 AI Insights Report0M+
people ask ChatGPT about money every month — and it can’t see a single one of your balances.
OpenAI usage disclosures · 2026The shift
Your customers are asking AI the questions they used to ask you.
Your relationships are at risk. Every one of them began with a question. The questions are leaving.
AI agents will do banking. The only question is where.
Where the questions go
Outside your bank
Customer leaves.
- ✗AI answers money questions with no bank context
- ✗Customer data flows to third parties
- ✗No compliance controls or audit trail
- ✗Bank loses the relationship and the insight
- ✗No kill switch when things go wrong
Inside your bank
Customer stays.
- ✓AI executes real transactions in your app
- ✓Data stays within your walls
- ✓Full audit trail, every action traceable
- ✓Bank keeps the conversation and the relationship
- ✓Kill switch — shut it off anytime
You stay in controlYou set the rules.
You set the rules.
You see every action.
Full audit trail
Every action logged, every decision traceable.
Kill switch
Shut it off anytime. It stays off.
Your cores and platforms
Payman governed agent layer
Anything that moves money
How it works
Four steps from question to payment.
Pay all my vendors for the month.
I found 5 payments due this month.
| Granite Property Mgmt | $3,850.00 |
| Atlas Freight Co. | $2,918.75 |
| Beacon Insurance | $2,787.25 |
| Beacon Utilities | $1,684.00 |
| Acme Office Supply | $1,240.00 |
| Total | $12,480.00 |
Approval required
Enter the code we sent to your phone.
742903
Done. 5 payments sent.
Product demo
AI is going where the money is. Payman brings it to your bank.
The process
Built like bank infrastructure. Because it is.
For your compliance team: AI Banking Safety →
Who it's for
Banks, credit unions, and the people they serve.
Banks and credit unions, their customers and members, and their staff. Payman runs on your existing rails and integrates with your core banking systems and digital banking platforms rather than replacing them.
Banks
Credit unions
Customers
Members
Staff
Core banking
Digital banking
Voice & text
Who trusts it
Trusted by regulated financial institutions across the country.
“We believe Payman AI will significantly enhance the way our customers engage with the bank and ultimately how they manage their daily finances.”
Payman is SOC 2 Type II.
Built to support your KYC, BSA, and AML obligations. Details are at trust.paymanai.com.
MMiddlesex Federal
ICBA
ICBAFAQ
Questions banks and credit unions ask
What is Payman AI?
Payman AI deploys AI agents for banks and credit unions that carry out real banking transactions, such as payments, transfers and account analysis, through voice or text on the institution's existing systems, under policies, approvals and audit trails the institution controls.
Who is it for?
Banks and credit unions, their customers and members, and their staff.
Is it safe for banks and credit unions?
Yes, when built with the right controls. The agent acts only when an authenticated customer or member asks. An immutable policy engine checks every action before it reaches the core, every step is recorded in a complete audit trail, and the institution holds the kill switch.
Is Payman SOC 2 compliant?
Yes. Payman is SOC 2 Type II. Details are at trust.paymanai.com.
Does it replace our core banking system?
No. Payman runs on the institution's existing rails and integrates with existing core banking systems and digital banking platforms rather than replacing them.
How do we get started?
Schedule a demo at /demo to see agentic banking in action.
Let’s build your agent together.
Set up a time to see how it works.