AI Agents for Finance — Traditional & Digital
From banks and fintechs to exchanges and DeFi protocols, Genyo.ai delivers compliant and explainable AI decisions in real time for credit, fraud, and risk — AI Act Ready
Create Your AI Decision Agent — Select Your Business Need to Get Started
AI Credit Scoring for Consumer Lending
Evaluate applicants with precision, using advanced AI model.
AI Customer Rating for Active Loan Holders
Continuously monitor the financial reliability of customers who already have a loan.
AI Credit Scoring for Salary-Backed Loans
A dedicated scoring engine designed for Salary-Backed Loans applications.
AI Early Warning for Consumer Lending
An advanced AI system that predicts the probability of default before it occurs, without waiting for the 90 days overdue.
AI Churn Analysis & Prediction for Consumer-Loan Customers
Understand why customers leave and predict who is at risk of churning.
AI NPL/NPE Lifecycle Analysis & Prediction
Track and forecast the evolution of Non-Performing Loans (NPL) and Non-Performing Exposures (NPE).
Why Genyo Beats the Industry Standard
90% Lower Build Cost
Traditional AI agents cost $40k–$300k to develop. With Genyo, you get a custom AI agent for a fraction of that.
2–3× Faster Workflows
Where internal teams take hours, Genyo agents execute decisions in real time—freeing people for higher-value tasks.
>90% Success Rate
Gartner predicts 40% of AI agent projects fall before launch. Genyo delivers reliable production outcomes, every time.
50%+ Cost Savings per Decision
Handling a customer interaction usually costs $6.40. AI agents drop it to $2.90 or less—Genyo drives even further savings.
Deploy in Minutes, Not Months
Forget 12-week integration cycles. Genyo agents go live in minutes, so your business sees results instantly.
Smarter Fraud Detection
Industry fraud models plateau at 70–80% accuracy. With your data, Genyo-trained agents boost detection up to 20%.
For Banks & Fintech
Credit, fraud, and risk intelligence for traditional finance.
For Exchanges & DeFi
On‑chain credit, liquidation & pricing agents.
How It Works
Overview
Genyo.ai offers fully guided, no-code experience to design, train, and deploy AI decision agents. The platform is structured to ensure transparency, compliance, and simplicity for all users — from business leaders to data professionals.
Get started in a few steps:
-
Create Your Workspace and Agent
Start by creating a workspace — your dedicated environment to managing agents, datasets, and models. Each workspace can represent a specific business area, project, or AI use case. -
Define Your Business Need
Choose what you want your AI to solve — such as Credit Scoring, Fraud Prevention, or Customer Rating. This defines the logic and data your AI Agent will use. -
Configure Your Dataset
Indicate whether you already have a dataset, and its size. Genyo.ai automatically adapts data processing and model selection for optimal training performance. -
Set Your Business Priorities
Select the strategic goals that matter most — for example: • Cost optimization • Inclusion and fairness (new-to-credit) • Portfolio stability Each choice adjusts how the model balances accuracy, risk, and scalability. -
Select Your Model Priority
Choose the modeling approach that best fits your needs — from high interpretability to maximum speed and robustness. Each model comes with performance indicators such as accuracy, scalability, and inference speed. -
Upload & Map Your Data
Securely upload your dataset and confirm mappings between your data fields and the model’s expected inputs. Genyo.ai automatically detects column roles and flags any issues for review. -
Quality Check & Data Enhancement
The platform validates your data, enriches missing values when possible, and ensures the dataset meets quality thresholds. A Data Quality Report and Data Enhancement Report are automatically generated. -
Train Your Model
Genyo.ai trains your decision model in just a few clicks, leveraging your configuration, data, and priorities. Training status and performance are displayed in real time. -
Tune & Deploy Model
Fine-tune the model based on training outcomes and performance metrics.
Once optimized, deploy it instantly as an API-powered AI Agent within your workspace. -
Monitor & Improve
Once deployed, Genyo.ai continuously monitors your model’s performance. If drift or performance variation is detected, a Drift Report is generated, enabling quick recalibration and an updated Decision Model Report. -
Review Reports & Stay Compliant
All reports are automatically created, aligned with regulatory frameworks such as GDPR and the EU AI Act. Reports include both executive summaries and technical details for audit readiness. -
Continuous Support
Access live support at every step — from creation and integration to deployment and optimization.
FAQ - How it works
Agents
1. Select a business need (e.g., Credit Scoring, Fraud Detection, Customer Rating).
2. Specify your dataset availability and size.
3. Define business priorities (e.g., cost optimization, inclusion, or stability).
4. Select your model priority from optimized model options.
This process helps tailor the model to your exact goals.
• Cost-Optimized Batch Underwriting: for large-scale scoring with minimal operational cost.
• New-to-Credit Expansion: for reaching underserved populations while maintaining control.
Each priority defines calibration quality, model stability, and data readiness requirements.
• TabPFN Batch-Optimized Credit Scoring – best for batch operations and small datasets.
• XGBoost Lightweight Credit Scoring – excellent speed and scalability.
• GAM Standard Credit Scoring – highest interpretability and regulatory alignment.
Data Preparation
Training and Validation
Tuning and Deploy
Deployment steps include:
1. Confirm the final model version for deployment.
2. Validate configuration and metadata.
3. Launch your AI Agent via the Deploy Model action.
Upon deployment, the model becomes accessible through your workspace or API endpoint, ready for integration with your business applications.
If a change in input data distribution or output accuracy is detected, the system flags model drift and recommends recalibration. You’ll receive a Drift Report and have the option to fine-tune or retrain the model.
• Data Drift: when input data characteristics shift from training data.
• Concept Drift: when relationships between inputs and outcomes change.
• Performance Decline: when accuracy or precision drops below baseline targets.
Each detection event triggers a Drift Report, complete with insights, visual summaries, and recommendations for retraining or tuning.
They can be viewed or downloaded anytime and include both readable summaries and technical performance data for data science, compliance, and management teams.
Each automated update still generates full documentation for governance and audit purposes.
• Version tracking and auditability of all model states.
• Data residency and processing within the EU.
• Documentation of model lifecycle and explainability reports.
Genyo.ai ensures that all live AI Agents remain transparent, traceable, and fully compliant with GDPR and the EU AI Act.
Monitoring and Reports
• Data Quality Report
• Data Enhancement Report
• Decision Model Report
Each includes both accessible summaries and technical details with KPIs for all organizational functions.
FAQ – What is Genyo.ai
Genyo.ai is purpose-built for financial institutions, fintech, and digital-asset companies, supporting use cases such as:
• Credit scoring and risk assessment
• Fraud detection and transaction monitoring
• Customer rating, segmentation, and retention
• Liquidity and portfolio risk management
• …and many others to come
Key differentiators include:
• A guided, no-code workflow that makes model creation accessible to any team.
• Automatic documentation and reports (Data Quality, Decision Model, Drift Reports) generated for compliance.
• Real-time monitoring and drift detection, ensuring models remain accurate and explainable.
• Full EU data residency and alignment with GDPR and the EU AI Act.
This combination makes Genyo.ai both business-friendly and enterprise-ready.
For example:
• Assess a loan application’s risk profile in milliseconds.
• Detect fraudulent behavior before a transaction completes.
• Predict customer churn or recommend retention offers.
• Monitor liquidity and exposure in fast-changing markets.
Every model is customizable, explainable, and fully traceable.
• Business users benefit from an intuitive, no-code interface to define and deploy AI models.
• Data scientists and engineers can integrate Genyo.ai via API for scalable deployment, governance, and monitoring.
The platform is ideal for organizations seeking AI automation with full transparency, control, and compliance.
For enterprises with specific governance or residency needs, Genyo.ai offers private-cloud and on-premise deployments with isolated environments and secure access via unique encryption keys.
The platform produces complete documentation for each step of the AI lifecycle, ensuring transparency, traceability, and ethical AI governance.
We believe that any organization — regardless of size — should be able to deploy enterprise-level AI safely, ethically, and affordably.
Our platform is designed to make AI accessible, explainable, and compliant by default, bridging the gap between innovation and regulation.
AI Agents for Digital Assets
Secure, Compliant,
Real‑Time
From centralized exchanges to DeFi protocols, Genyo.ai empowers digital asset firms with explainable AI for fraud detection, on‑chain credit scoring, and market risk.
Crypto moves fast. So do risks.
Fraud Detection
Sanctioned wallets, mixers, wash trading.
Overcollateralized Lending
Unlock capital efficiency in DeFi.
Market Risk
Volatility, liquidity, cascades.
Regulatory Pressure
MiCA, FATF, SEC demands.
Purpose‑built for Digital Assets
Modular agents that plug into your exchange, custodian, or protocol — no code required.
Fraud Agent
Detect mixers, sanctioned wallets, and wash trading in real time.
On‑Chain Credit Agent
Wallet‑based scoring for undercollateralized lending.
Market Risk Agent
Predict liquidation cascades and manage volatility risk.
Dynamic Pricing Agent
Optimize spreads, fees, and maker incentives.
Retention Agent
Reduce churn with AI‑driven rewards and offers.
Explainability
Narrative decisions for auditors and regulators.
Audit‑Ready by Design
Every decision ships with a narrative explanation. Satisfy evolving requirements across MiCA (EU), FATF (global), and SEC (US) with transparency built in.
Decision: Block withdrawal
Reason: Destination wallet clustered with sanctioned entity; recent inbound via known mixer; anomaly score 0.93 (threshold 0.85).
Actions: Freeze funds, file SAR, notify compliance queue.
One Platform, Two Domains
The same AI engine powers banks and digital asset firms — unify your risk stack across TradFi and DeFi.
Ready to Integrate
Integrate via REST or streaming APIs. Connect to exchanges, custodians, or DeFi protocols in minutes.
- Sub‑100ms decisions at scale
- 99.9% uptime, enterprise SLAs
- Dashboards, alerts, drift monitoring
Empowering Innovation across Industries
We collaborate with banks, fintechs, crypto exchanges, and research institutions
to build cutting-edge AI Agents for risk, compliance, and growth.
Together, we accelerate innovation across TradFi and digital assets.
Why Partner with Genyo.ai
- Co-develop tailored AI Agents
- Access to cutting-edge AI Agents
- Leverage real-time explainable decisions
Who We Partner With
- Banks & Financial Institutions
- Exchanges & DeFi Protocols
- RegTech & Fintech Innovators
- Academic & Industry R&D Teams
Partnership Paths
- Technology Integration (APIs, co-development)
- Co-marketing & Pilot Programs
- Research Collaborations
- Reseller & Strategic Alliances
Benefits & Perks
Co-branded case studies and promotion.
Dedicated support & onboarding.
Early access to roadmap features and previews.
Technical workshops or training sessions.
Interested in exploring what we can build together?
Resources
Explore cutting-edge research and industry insights (2024–2025) showing how AI Agents are reshaping finance — and why Genyo.ai makes this future available in just a few clicks.
Traditional Financial Institutions & Fintechs
Trusted insights and academic research to help banks and fintechs adopt AI Agents with transparency, compliance, and speed — without the burden of custom coding.
Comprehensive Review on Financial Explainable AI
Comparative analysis of transparency methods (2024).
A Review of LLM Agent Applications in Finance and Banking
LLM-powered computational agents.
A Comprehensive Survey of AI Agent Frameworks and Their Applications in Financial Services
Insights from recent industry reports.
IBM Whitepaper: Agentic AI
Opportunities, risks, and governance for financial services (2025).
TCS: AI Agents in Financial Services Transformation
Adoption roadmap for financial institutions (2024).
Crypto & Digital Assets
Cutting-edge resources for exchanges, DeFi platforms, and digital-asset innovators exploring how AI Agents unlock automation, scalability, and trust in next-gen finance.
LLM-Powered Multi-Agent System for Automated Crypto Portfolio Management
Trading and Market Microstructure.
Autonomous AI Agents in Decentralized Finance
Market Dynamics, Application Areas, and Theoretical Implications.
Docs
Practical guides and frameworks (2024–2025) for deploying AI Agents responsibly in finance.
Traditional Financial Institutions & Fintechs
Playbooks, governance models, and supervisory perspectives for AI Agents in finance.
Towards Explainable AI in Banking
Dashboard-driven playbook for explainable models in finance.
Exploring XAI in the Financial Sector
Perspectives of banks and regulators on explainability requirements.
Comprehensive Review of Financial XAI
Updated review of transparency techniques in finance (2024).
Agentic AI in Financial Services
Opportunities, Risks, and Responsible Implementation.
Scalable Agent-Based Modeling for Complex Financial Market Simulations
Trading and Market Microstructure.
Regulatory Approaches to Artificial Intelligence in Finance
OECD artificial intelligence papers.
Crypto & Digital Assets
Open-source repos and governance docs for safe AI adoption in digital assets.
FinRobot GitHub
Open-source platform (Apache-2.0) for building modular financial agents.
FinWorld: An All-in-One Open-Source Platform
End-to-End Financial AI Research and Deployment.
AI-powered Fraud Detection in Decentralized Finance
A Project Life Cycle Perspective.
LLM-Powered Multi-Agent System for Automated Crypto Portfolio Management
Trading and Market Microstructure.
WEF: Digital Assets Regulation: Insights from Jurisdictional Approaches
Need for clear regulatory guidelines.
2nd Global Cryptoasset Regulatory Landscape Study
Emerging practices and early lessons learned.