What people ask us most, with direct answers.

No. BankIA is software. The institutions that use it are responsible for their license, their operation and for complying with the regulation that applies to them. BankIA does not take deposits from the public or hold money in custody.

No. Each contribution goes directly from the member to the account of their own natillera, cooperative or institution. The platform records it, dates it and calculates it; it does not receive it, hold it or move it.

NatIA Ahorro (natilleras), CooperativIA (cooperatives) and BankIA (digital banking) are available as demo versions. DatIA Recaudo (credit analysis) and ContIA Intelligence (tools for accountants) are under construction.

No. The current version is a demo. Before operating with real money, the security hardening plan, the independent review and the connections with payment methods are completed.

It is paid per person per month. In Colombia: administrator $49,900, saver $9,900 and external borrower $4,990. For Mexico, and for Panama, the United States and Canada, prices are on the pricing page.

They are purchased with your brand (one-time sale) and carry a monthly fee for support and updates. Current prices are on the pricing page; customization is quoted according to scope.

Up to 300 by default. Up to 200 people can be uploaded at a time from a file, with a review before the invitations are sent.

Interest (less general expenses) is shared in proportion to each saver’s savings-months, events equally among savers, and each person’s loans are deducted. Calculations are exact to the cent.

In the demo version there is a simulated payment gateway to test the flow. Connecting a real gateway is on the work plan.

For peso-denominated loans in BankIA and CooperativIA, the platform validates the rate against the current usury rate (legal interest cap): 1.5 times the current bank interest rate certified by the Superintendencia Financiera. In NatIA Ahorro, the loan rate is set by the group.

Yes. BankIA and CooperativIA are white label: the name, logo, colors and vocabulary can be changed. Each client gets its own instance with its own domain, database and scheduled tasks.

In Spanish, English, Portuguese and Québec French. Screens, emails, legal documents and number and date formats follow the chosen language.

Today it helps with explainable rules: budget and savings suggestions, reminders, custom categories and a help center assistant. We do not use language models to decide or calculate. Everything else is on the plan and marked “Coming soon”.

No. The decision always rests with a person. AI proposes and explains; calculations are done by code with exact arithmetic.

Each institution has its own isolated space, passwords are stored hashed, forms are protected against request forgery, there is two-step verification, and every deployment is tested and rolled back if it fails. We do not have certifications yet; the details are on the security page.

Not yet. It is in the plan prior to use with real money, along with an independent security review.

It is the credit analysis platform we are building: it reads the applicant’s documents, calculates repayment capacity with verifiable rules and delivers an analysis with risks and a recommendation. The decision always rests with a person. It is not available yet.

It is the platform for accountants we are building: it organizes clients’ documents and prepares the draft income tax return (declaración de renta) for the accountant to review and sign. It is not available yet.

From the contact page, telling us which platform you are interested in. You can also write to ceo@jsadsai.com.