For Banks · Agentic Banking
The next generation of commercial digital banking.
A white-label or co-branded, AI-native treasury experience inside your digital portal — multibank cash visibility, forecasting, and agentic insights for your commercial and mid-market clients. Built behind your walls, with your brand.
The opportunity
Your commercial clients are doing treasury the hard way.
They want unified cash visibility, multibank connectivity, and forward-looking insight. Today they get static reports and a portal they only visit to pull data.
5–10
banking portals
Commercial clients swivel-chair across every bank portal just to see one cash position.
90%
still on spreadsheets
Most companies still forecast and plan liquidity in Excel — not in your portal.
80%
of treasury time
Goes to chasing and tagging data, not the decisions your clients actually need.
What this means for your clients
From static reporting to an embedded agent layer.
Before
Every commercial client logs into information reporting and sees a static set of balances and transactions.
After
The same data, paired with an embedded AI agent layer: clients ask plain-language questions, get auditable answers traceable to their own account and transaction IDs, and receive proactive observations when liquidity, vendor, or customer behavior shifts.
What your clients get
A cash command center, inside your portal.
Multibank cash visibility
Every account, entity, and currency across your client's whole bank group — consolidated live, inside your portal.
13-week forecasting
Built from real transactions and self-correcting against variance — forward-looking insight, not static reporting.
Payments that reconcile
Initiate and approve payments that auto-match back to invoice — money movement and reconciliation in one place.
Agentic insights
Idle-cash, working-capital, and liquidity insights surfaced by agents — tuned to your KPIs and your guardrails.
The agent fabric
Purpose-built agents, across three layers.
Not a dashboard. Not a chatbot. A growing library of agents that connect the data, make the call, and do the work — continuously, without being asked.
Data readiness
Bank reconciliation, cash-flow rules, ERP posting, liquidity position, cash pooling, global visibility, and payments monitoring.
Decision making
Working capital, FX & exposure, forecasting & runway, liquidity risk & policy, executive reporting, and DSO & collections.
Execution
Payment orchestration, a communication hub, and system sync across ERP, CRM, and accounting.
What this unlocks for your bank
Stickier clients. More deposits. A new revenue line.
Differentiated offering
Embedded in the channel your clients already use every day.
Drive client deposits
Intelligence anchored to the operating account — a natural pull for deposits.
New revenue tier
A paid premium agent capability you can offer your clients.
RM advisory at scale
Used in client calls without a treasury SME in the room.
Roadmap of new agents
Investment routing, account consolidation, working capital — and more over time.
First-mover positioning
The data, channel, and partner velocity to ship AI-powered banking first.
How it works
Drops into your portal — nothing to host.
Bank IR data
Connect via your Information Reporting API or SFTP — file-based onboarding means live visibility on day one.
Client consent
Opt-in / opt-out handled inside your portal, per client.
Nilus AI engine
All AI processing runs on Nilus — zero LLM infrastructure required on your side.
Insights in your portal
Agents surface positions, risks, and reports where your clients already work.
Flexible integration
Choose your depth.
Chat panel
An AI chat interface inside your portal. Familiar UX, fastest to ship.
Embedded module
A dedicated Nilus section — dashboards, alerts, reports, and chat in one place.
Hybrid
A native module plus contextual AI across the relevant portal pages.
The engagement
Start sandboxed. Scale on proof.
Phase 1
POC
A focused starter set of agents for cash visibility and risk detection — sandboxed, file-based onboarding, anonymized data.
Phase 2
Pilot
Roll out to a set of client licenses with volume-based licensing.
Phase 3
Expansion
Unlock more of the agent library — FX, forecasting, payments, executive reporting.
Built for bank compliance
- Non-advisory outputs — insights, thresholds, and observations only. No investment advice, no fiduciary recommendations.
- Policy-driven agents — configurable limits and thresholds per client, aligned to your bank's KPIs.
- Sandboxed POC — an isolated environment with anonymized data, independent of production.
Give your clients a treasury team that never sleeps.
Let's scope what white-label agentic treasury looks like for your commercial and mid-market clients.