AI proposes, people decide
Approving a loan, moving money or filing a tax return is always done by a person with a name and responsibility.
Financial platforms with artificial intelligence
Financial platforms with AI for natilleras, cooperatives and banks.
Bank-grade software that records, calculates and analyzes so people can decide with better information. Five platforms on one shared technology foundation, with your brand and your rules.
- Money in exact arithmetic
- AI proposes, people decide
- White label
- Spanish, English, Portuguese and French
AI · example
September closed with 15 of 18 installments up to date. Three members usually pay right at the due date: it is worth reminding them two days before.
NatIA AhorroSuggestion
Savings accountUSD · available
1,250.00Transfer a AnaToday · category Transfers
−100.00Loan installmentDue in 3 days · notice sent
−86.40Illustrative example with fictitious data.
Five platforms, one standard
Each one handles a specific job in the financial world. All of them share security, exact calculations, languages and the way AI is used.
Available
NatIAAhorro
Group savings and loans.
- Installments, loans and the December distribution
- Account statement for each member
- Price per person per month
CooperativIA
Savings and credit cooperatives.
- Loans with amortization and usury cap
- Your brand, your colors, your vocabulary
- Platform sale + soporte
BankIA
White label digital banking.
- Accounts, transfers, cards and loans
- Identity verification and console
- White label with a dedicated instance
DatIARecaudo
Credit analysis with AI.
- Credit analysis from documents
- Calculations in code; AI does not make up figures
- Final decision always human
ContIAIntelligence
Intelligence for accountants.
- Draft income tax return
- Client documents organized
- The accountant reviews, completes and signs
Your own platform
Launch your brand with your own instance: domain, database, languages and country.
- Full white label
- Continuous updates
- Technical support included
AI helps. The decision and the money belong to people.
In finance, a fast but wrong answer is costly. That is why our AI follows four rules that are not negotiable.
Code does the calculations
Installments, interest, ratios and taxes are calculated with exact decimal arithmetic and verifiable rules. AI does not calculate figures.
Every figure comes with evidence
What the AI reads from a document comes with its source page and confidence level, so anyone can verify it.
No black boxes
Suggestions explain why they appear and can be dismissed. Everything is logged for audit.
A common foundation, built to manage money
The five platforms rest on the same core, automatically tested on every change and with a deployment that rolls back if anything fails.
- Exact decimalMoney is never calculated with floating-point decimals
- 4 languagesSpanish, English, Portuguese and Quebec French
- 20 countriesCountry packs with currency, legal and company details
- Dedicated instanceEach client with its own domain and database
- Dark modeAnd accessibility with AA contrast
- RollbackEvery deployment is verified and rolled back if it fails
Colombia indicators, today
Open data with its source and date. It updates automatically and no number is ever made up.
TRM
$3,170.46
Pesos per dollar · in effect since October 16, 2026
Usury rate · CONSUMER AND ORDINARY
28.59 %
Effective annual · in effect until October 31, 2026
Built for those who handle other people’s money
Natilleras and savings groups
Who want clear accounts, installments up to date and a distribution without arguments.
Cooperatives and funds
Who need loans, contributions and compliance under their own brand.
Banks and fintechs
Who want a complete platform of their own, ready to adapt.
Credit analysts and accountants
Who want to spend their time deciding and signing, not transcribing documents.
Your money, clear from day one
BankIA is software: it does not take deposits or hold money in custody.
Each contribution goes directly from the member to the account of their own savings circle (natillera), cooperative or institution. The platforms record, date and reconcile it; they do not receive it, hold it or move it on their own.
MemberAccount of your institutionThe platform records
Learn with the guides
What a natillera is and how it works
A natillera (a Colombian savings circle) is a savings group with monthly installments, member loans and a year-end payout. How it works and its risks.
Read the guide →Usury rate in Colombia: what it is and how it is calculated
The usury rate is the legal interest cap in Colombia: 1.5 times the current bank interest rate. What it is, who certifies it and where to see the current one.
Read the guide →Effective vs. nominal rate: differences and examples
What effective annual, nominal in-arrears and nominal in-advance rates are, how to convert them and why it matters when comparing loans and savings.
Read the guide →Tell us about your institution and we will show you how it would look.
A demo with your data and your brand, no obligation.