NEW For Chief Digital Officers in consumer banking

Hire an AI workforce for your bank.

Seven pre-built, compliance-native AI workers that execute your most critical consumer banking processes, end-to-end, in production, in weeks. Not a platform. Not a copilot. A fleet.

Watch the fleet run
SOC 2 · ISO 27001Private cloud + on-prem100+ enterprise deployments
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30 min with a banking domain lead. No slideware.

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fleet.xcubelabs.com/banking/console
● LIVE
Fleet Overview · last 24h
+ Deploy agent
Tasks completed
48,212
▲ 12.4% vs yest.
Avg cycle time
4m 18s
▲ 2.1× faster
Escalation rate
3.2%
▼ 1.4 pts
Savings (mo)
$1.14M
▲ $220K
Activity · livefilter: all agents
AOAccount Opening
Verified KYC · case #48219 · handed off to Credit
2s ago
Complete
CLCredit & Lending
Underwriting mortgage refi · $420K · risk tier B
8s ago
Running
FAFraud & AML
Flagged velocity anomaly · card ••5829 · frozen
14s ago
Complete
CCCustomer Care
Dispute escalated · case #48156 · awaiting human
22s ago
Escalated
RRRegulatory
Reg E filing logged · audit trail #Q2-8821
31s ago
Complete
Trusted by financial institutions and regulated enterprises worldwide
E-TRADE
DBS
HDFC ERGO
Insurejoy
North
Auxilior
E-TRADE
DBS
HDFC ERGO
Insurejoy
North
Auxilior
E-TRADE
DBS
HDFC ERGO
Insurejoy
North
Auxilior
E-TRADE
DBS
HDFC ERGO
Insurejoy
North
Auxilior
The Fleet · 7 specialists

Seven specialists.
One orchestrated fleet.

Unlike generic automation platforms, every agent is designed around the specific processes, compliance requirements, and data flows of consumer banking.

AO
LIVE

Account Opening Agent

New Account & KYC

Verifies identity, collects documents, runs KYC/AML screens, manages digital onboarding. Days to minutes.

-90%
Cycle time
100%
Compliant
C&
LIVE

Credit & Lending Agent

Loan origination & underwriting

Runs 8 specialized sub-agents in parallel for faster, risk-scored underwriting decisions with regulatory guardrails.

< 4 min
Decision time
8
Sub-agents
F&
LIVE

Fraud & AML Agent

Fraud detection & compliance

Continuously monitors transaction patterns, freezes suspicious cards, drafts SAR reports, without manual intervention.

-62%
False positives
24/7
Monitoring
CC
LIVE

Customer Care Agent

24/7 omnichannel support

Handles inquiries, disputes and account updates across voice, chat, and mobile with smart human escalation.

78%
First-contact fix
3
Channels
FA
LIVE

Financial Advisor Agent

Personalized wealth guidance

Delivers proactive, personalized insights: spending analysis, savings recs, product fit. Adapting in real time.

+34%
Engagement
1:1
Personalization
C&
LIVE

Collections & Recovery Agent

Delinquency management

Manages early-stage delinquency autonomously: outreach, payment plans, escalation. Dignity-first and compliant.

-28%
Charge-off
Compliant
Reg-safe
RR
LIVE

Regulatory Reporting Agent

Compliance & reporting automation

Aggregates data across core systems, auto-populates regulatory filings, flags exceptions for human review.

99.2%
Report accuracy
1,200h
Saved/qtr
Orchestration

Pick a scenario.
Watch the fleet run it.

Every process below is a real workflow running in production at a consumer bank today. Agents share context, hand off tasks, and escalate intelligently, modeling how your best human teams operate at scale.

Mortgage refinance application

Five agents coordinate end-to-end. Zero human touches for a standard application.

< 6 hrs
Decision
0
Human touches
-74%
Cost/app
01
Account Opening Agent
Verifies identity, pulls existing account data
T+ 0:02
02
Credit & Lending Agent
Runs underwriting, pulls credit, analyzes income
T+ 0:18
03
Fraud & AML Agent
Screens for fraud signals in parallel
T+ 0:18
04
Regulatory Reporting Agent
Logs all decisions for audit trail
T+ 0:22
05
Customer Care Agent
Sends status updates at each milestone
T+ 0:25
Client testimonial · Financial services

Chosen by leaders who evaluated everyone else first.

We looked at 20–25 vendors worldwide and were truly impressed by the pedigree of what [x]cube had built. We combined our enterprise architecture and domain knowledge with their engineering depth, creating the best platform in its category in North America. If you're looking for a partner with integrity, transparency, and an obsession with delivering results, look at [x]cube LABS!
Sanjib Sahoo
Former CTO · TradeMonster / E*TRADE · now EVP & Chief Digital Officer at a Fortune 500
20+
Vendors evaluated before selecting [x]cube as partner
#1
Trading platform in North America at launch
10+ yrs
Partnership across mobile, web and now AI agents
Delivery model

Trifecta teams.

Three embedded disciplines: the people who understand banking, the people who build the AI, the people who make sure it runs in production.

Domain Experts01 · DE

Banking, compliance & risk specialists.

CFPB, BSA/AML, FDIC, consumer lending & fraud-risk specialists embedded in every engagement from day one.

AI Platform Engineers02 · PE

Your data never leaves your infrastructure.

Enterprise SLMs, vector DBs, agent orchestration layers, private cloud and on-premise deployment.

Forward Deployment03 · FDE

We stay until the agents perform.

Embedded execution specialists who integrate with your core banking systems, and stay until the fleet runs at full production performance.

Deploy your AI agent workforce this quarter.

Schedule a 30-minute briefing. We'll map the fleet to your highest-priority processes and share an ROI estimate grounded in your numbers.

  • Mapped view of the 7-agent fleet vs. your current processes
  • Live demo of the agent most relevant to your priority use case
  • ROI estimate based on your transaction & headcount data
  • Proposed 4–6 week deployment roadmap
Replies within 1 business day

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30 min with a banking domain lead.

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