AI EMPLOYEE · FOR BANKS

More requests, same headcount.
Routine questions skip the operator.

The first line answers on its own: around the clock, identically in every channel, from your policies. Telegram, WhatsApp, VK, MAX, email and voice in one inbox. Installed on your own server — customer conversations never leave the bank’s perimeter.

It never sees accounts and never moves money. Balance, statement and payment status live in core banking and online banking, and it has no access there. It answers from policies and tariffs, and anything touching the customer’s money goes to a human — with the conversation already collected.

on requestAgent for a month

When billed annually. Answers around the clock, in every channel at once.

Client · Telegramonline
What’s the fee for an urgent payment?
Checking the tariffs…
Business banking tariff, clause 3.2 — extract below
UPLOADEDtariffs · 12policies · 34
So why is my payment stuck?
That’s your account — bringing in the on-call specialist
HANDED TO A HUMANOn-call shiftThe full conversation is attached

Fits the channels customers already write to

Full integrations catalog →Connect your own →

Services in this ribbon: 35. Which of them are open depends on your plan. View all plans →

  • Telegram
  • Telephony
  • Mobile app
  • Avito
  • Google Calendar
  • ONLINE BANKING
  • Битрикс24 CRM
  • ЕФРСБ
  • Discord
  • Matrix
  • Outlook Mail
  • Slack
  • Telegram
  • Telephony
  • Mobile app
  • Avito
  • Google Calendar
  • ONLINE BANKING
  • Битрикс24 CRM
  • ЕФРСБ
  • Discord
  • Matrix
  • Outlook Mail
  • Slack
  • WhatsApp
  • MAX
  • Pocket Agent
  • VK
  • Website widget
  • 1С:Предприятие
  • ГАРАНТ
  • Контур.Фокус
  • Gmail
  • Microsoft Teams
  • SAP S/4HANA
  • Telfin
  • WhatsApp
  • MAX
  • Pocket Agent
  • VK
  • Website widget
  • 1С:Предприятие
  • ГАРАНТ
  • Контур.Фокус
  • Gmail
  • Microsoft Teams
  • SAP S/4HANA
  • Telfin
  • Email
  • Bitrix24
  • SIP
  • Einstein
  • CORE BANKING
  • 1С:ERP Управление предприятием
  • Диадок
  • Casebook
  • Google Contacts / People
  • Outlook Calendar
  • Signal
  • Email
  • Bitrix24
  • SIP
  • Einstein
  • CORE BANKING
  • 1С:ERP Управление предприятием
  • Диадок
  • Casebook
  • Google Contacts / People
  • Outlook Calendar
  • Signal

What a day in the contact center looks like

09:10
branch openings
13:40
lunchtime, the line is backed up
19:50
the evening payment spike
02:30
night, one person on call

They ask the same things: the transfer fee, the card limit, which documents a certificate needs, why a payment is still “processing”. An operator answers — the same operator needed right now on a contested transaction — and the queue grows on the side where the human sits.

There are more enquiries, and no more people

p.7
Reply to the client
Fee for a transfer to a companyby the bank's tariffs
Within the bankno fee
To another bank0.3%, minimum 50 ₽
taken from “Tariffs for businesses”, p. 7 — the clause can be opened and checked
Today

The queue grows where a person is sitting

Fees, limits and lists of documents are asked about around the clock. They are answered by the same operator who is needed on a disputed transaction.

With the agent

Closes the routine cases in every channel

It answers from the bank's tariffs and policies and names the clause the answer came from. It has no shift change.

night02:41
Passed to an operator
Subjectdisputed charge
Already establishedchannel, date, sum
Account and statementthe agent does not see
the summary is built from the chat; the agent does not go into the core banking or online banking systems
Today

The operator handles both the routine and the disputed

There is one queue for everything, and the person in it goes to whoever needs them least. A disputed transaction waits behind a question about a fee.

With the agent

Hands a person only the disputed cases

The routine it closes itself, and everything touching the client's money it hands to an operator together with the chat already gathered.

A month of routine enquiries costs more than a year of an AI employee

Run the numbers on your own cohort →
1 080 000 ₽
A month of routine enquiries

Sample arithmetic: 12 000 routine enquiries a month at 90 ₽ per contact handled by an operator. Run it on your own numbers — every bank’s cost per contact is its own.

on request
An AI employee inside your perimeter

The Enterprise plan: the scope is priced for your perimeter and your volume, so there is no figure here or in the price list.

Run it on your own numbers

Take your own share of routine enquiries and your own cost per contact — yours, not ours. We name the price before any talk of a contract.

Three works — and one of them is client

The first line — is the most noticeable work, but not the only one. What is more expensive is what the bank does internally: checking the counterparty before the transaction and recruiting people to the branches. The AI ​​employee goes there through connected systems, and not from the employee’s memory.

What documents are needed for reference?

Business banking policycl. 4.1

Business tariffsp. 7

the bank’s documents

1First line

At night the duty officer answers a standard question

Commission, limit, list of documents — and all this instead of a controversial operation that is waiting nearby.

Responsible according to your regulations himself

Around the clock and in all channels — and names the point from which he took the answer.

Unified State Register of Legal Entities · validFocus

Bankruptcy · NoInsolvency register

Arbitration · two casesCasebook

Kontur.Focus

2Counterparty

The counterparty is checked on three sites

Extracts, bankruptcies and courts are in different places, and by the time of the decision, some of the information is already outdated.

Collects dossier before the first meeting

Kontur.Focus, EFRSB and Casebook: details, owners, bankruptcy and arbitration — with one card in the chat.

Responses per night

No answer for three days

Brief to the recruiter

hh.ru and Huntflow

3Hiring

Responses to departments take three days

The network recruits operators and cashiers in a stream, and one recruiter per region analyzes responses.

Brings the disassembled funnel by morning

From hh.ru and Huntflow: who responded, who has been waiting the longest for an answer, where the vacancy is standing without movement.

What comes off the first line

From your policies

Tariffs, limits, how to file — from the bank’s documents, not from an operator’s memory.

At night and on weekends

Around the clock and identical in every channel: the first line never changes shift.

Hands off to a human on its own

Anything contested, anything emotional and anything touching the customer’s money goes to an operator with a summary.

Never sees accounts

No balance, no statement, no payment status: it never goes into core banking or online banking.

Live in an evening, no developer needed

Start today →
5 minutes

You connect a channel

Telegram, WhatsApp or the website widget — by the instructions in the dashboard, no developer.

Telegram WhatsApp Widget
one evening

You upload your documents

What is not in your materials it says so, rather than composing it.

PDF Price List 2026DOC Policy Warranty
in the morning

Answers when you ask

You see every conversation in the dashboard and in the app. Don’t like an answer? Fix it as plain text.

4 chats overnight

How this is bought

Enterprise plan

Price on request: the make-up is worked out for your perimeter and volume

  • Unlimited AI employee seats: the first line, business clients and internal staff questions are different roles
  • Telegram, WhatsApp, VK, MAX, email and voice — in one inbox
  • Your policies, tariffs and handbooks as the only source of an answer
  • Handoff to a human with the whole conversation and the details already pinned down
  • Shift summaries as a file in the chat — CSV or XLSX
  • SAML, LDAP, SCIM and row-level security
  • Extended audit, mandatory approval for actions, isolated mode
  • Installed inside your perimeter: customer conversations never leave for someone else’s cloud
  • Help with putting the procurement together
Discuss a project

There is no figure here on purpose: Enterprise has no figure in the price list either — it is quoted on request, and one button in the dashboard won’t pay for it. You can look before procurement even starts: the live demo is open without signup.

We are not in the National Software Register yet — the application is filed. If your procurement is domestic-only, you need to know that now.

Need your own server?

How the install works →

Your own server or a virtual machine and PostgreSQL — no Docker needed. It installs with a single command, everything else is set up in the web interface.

Perimeter and access

Installed inside your perimeter, not in someone else’s cloud

This is not a cloud service with a promise that “we don’t look”. The product installs on your own hardware or in your own virtualization and runs as a systemd service — no containers, no requirement to reach the outside. Customer conversations never leave the bank’s perimeter, because there is nothing for them to leave through.

  • Your serverInstalled from a tarball, run as a systemd service. You apply updates yourself, when you decide to.
  • SAML, LDAP, SCIMAccounts from your own directory, not a second list of logins on the side.
  • Row-level securityRow-Level Security: a unit sees its own records, not the whole enquiry database.
  • Audit and approvalExtended audit, mandatory approval for actions and isolated mode.
  • The model is yoursLocal inside your perimeter, or your own access to an outside one. We don’t resell other people’s models.
  • National Software RegisterNot listed yet — the application is filed. We say so up front, not at the third meeting.
  • Installs on Linux — a tarball and systemd, updated with one command
  • Conversations and documents stay with you and never leave
  • Runs on a local model — it can work with no internet at all
the Community plan
0 ₽

Forever, no card. Telegram, web chat and the website widget, one agent, your own server. The rest of the channels come with the paid plans.

Get it free

Questions

Will it get access to customer accounts and transactions?

No, and it’s worth knowing before the first meeting. Balance, statement, payment status and any personal information about a customer live in core banking and online banking — it has no access there. It answers from policies, tariffs and the bank’s rules, and hands a human everything that touches those boundaries, with the conversation already collected.

Where does the system physically run?

On your own server, inside your own perimeter. This is not a cloud service with a promise that “we don’t look”: the product ships as a tarball and runs as a systemd service on your hardware or in your virtualization. Customer conversations never leave the bank’s perimeter, because there is nothing for them to leave through.

And the model? It thinks somewhere too.

You connect the model, and you choose which one. A local model inside your perimeter, your own access to an outside provider, or a separate perimeter for non-sensitive work. Until a model is connected, the AI employee stays silent: the thinking happens in the model, not on our server. We don’t resell other people’s models and we don’t charge for them.

What about access control and audit?

The Enterprise plan includes SAML, LDAP and SCIM, row-level security, extended audit and mandatory approval for actions, plus isolated mode. The full contents of the plan are on the pricing page: they come from billing, not from this page.

Does it connect to core banking and online banking?

Not by default. The main scenario needs no access to banking systems at all: the first line answers from documents, not from accounts. If something does have to be read out of your systems, that is a separate integration, built for your perimeter and agreed together with the scope of delivery.

What does it cost?

Enterprise is quoted on request: there is no figure on this page or in the price list, because the scope is priced for your perimeter and your volume. We name the price before any talk of a contract, not at the third meeting. The free Community version installs inside your perimeter without a single payment — enough to see how the product is built.

Won’t it start inventing answers?

It answers from the documents you loaded and names where the answer came from — you can open it and check. If the answer isn’t in the documents, it says so and hands over to a human. That isn’t a philosophy, it’s the default behavior: it has nothing to say beyond what you loaded into it.

We have to buy from the national software register. Are you on it?

Not yet — the application is filed. We say so up front, because for a bank required to buy domestic software this is the deciding fact, not a detail. Help with the procurement paperwork is included in the plan.

Which channels does it answer in?

Telegram, WhatsApp, VK, MAX, email, the website widget and voice over SIP — in one inbox, with one and the same wording. The customer writes wherever it suits them, and the bank answers the same everywhere.

Can we see it before procurement starts?

Yes. The live demo is open without signup; login and password are below. Your own policies aren’t in it — but you can see how it answers from loaded documents, and how it says “I don’t have that” instead of inventing something.

Don't take our word for it — check for yourself

This page is about one industry. Everything about the whole product — how it works, pricing, channels and security — on the home page.

The same AI employee — and for your neighbors behind the same perimeter

Same mechanics, different reasons: an insurer explains coverage before the sale, a government agency holds to a statutory deadline, a telco settles a question about a tariff.