Financial Services
Underwriting that writes itself. Portfolios watched around the clock. Surveillance that never sleeps. All on your models, inside your walls.
You swap the engine. You don’t re-platform the firm. monō sits on top of the core, ledger and data you already run, automates the desk work. The system of record stays where your regulator expects it.
Where agents land
01
Credit & Underwriting
Agents pull financials, covenants, news and prior decisions, then draft the credit memo with the analysis, comparables and a recommendation. Your credit officer reviews and decides, not assembles.
In production at monō.
Replaces: Manual memo assembly, spreading, covenant lookups
02
Portfolio & Investment Intelligence
Agents monitor every holding against the signals that matter, earnings, downgrades, covenant drift, sector moves. They surface a ranked list of what needs attention before it shows up in a report.
Replaces: Manual portfolio reviews, end-of-quarter surprises
03
Surveillance & ComplianceBeta
Trade surveillance, comms monitoring and obligation tracking run as standing agents with your guardrails. Exceptions are triaged and explained; nothing routine reaches a human.
Replaces: Sampling-based review, alert backlogs
04
Client & Wealth IntelligenceBeta
Living profiles of every client and entity, holdings, history, life events, suitability. The next best conversation is drafted in your adviser’s voice, grounded in what the agents already know.
Replaces: Stale CRM notes, generic outreach
05
Risk & ExposureComing soon
Concentration, counterparty and liquidity exposure recomputed continuously as positions and signals change, with the drivers explained, not just the number moved.
Replaces: Overnight batch risk, stale dashboards
06
Ask the DeskBeta
Ask anything across facilities, positions, clients and obligations. Get a prioritised set of actions, with the working shown, not another dashboard to interpret.
Replaces: Dashboard hunting, manual report pulls
Proof
Non-bank lender · credit desk
A credit memo went from a day to minutes.
A non-bank lender put agents on the front of its credit process, spreading financials, checking covenants and drafting the memo. Officers moved from assembling to deciding, and the desk cleared its backlog without adding headcount.
$80 vs $2,000 per memo, fully loaded
Asset manager · operations
Reporting that used to run overnight now runs while you sleep, and explains itself.
An asset manager replaced an overnight reporting batch with standing agents. Reports assemble continuously, reconcile against the ledger, and arrive with the variances already explained.
Two ways to start. One platform underneath.
Stand up a ready-made set of agents and watch them work a real desk in weeks. You see value before you commit to scale.
Our engineers deploy inside your firm, on your infrastructure, and rebuild the operation around agents. One platform underneath both.
Trust
Governed. Measured. And you can see exactly what it costs.
monō does the same work for a fraction of the spend. It only sends the AI what it actually needs to answer, not the whole history. So a typical task can use up to 70% fewer tokens than running an agent the standard way. Routine, high-volume work runs on cheaper models; the hard calls go to the best models available. And for the work you do most, we tune smaller, faster models built for the job.
You see the cost per agent, in plain numbers.
Governance
Every agent runs under policy. Every action logged, reproducible and reviewable.
Eval & monitoring
Every output scored against your standard before it ships. Drift caught early.
Cost & efficiency
Far fewer tokens than running an agent raw, and the right model for each job.
The pack your risk team will ask for.
Deployed in your cloud. Inference-only, your data is never training data. ISO 27001 certified. The controls map, data-flow diagrams and sub-processor list.
PDF · 4 pages
Nowhere it doesn’t already go. monō runs inside your cloud and on your models. We are inference-only, we never hold your data.
Yes. Every credit decision sharpens the next, the desk's memory compounds across deals, analysts and time, inside your perimeter.
Yes. Bring your OpenAI, Anthropic or other accounts and your negotiated rates. We never mark up your tokens, and the harness sends fewer of them through.
No. monō sits on top of the systems you already run. You swap the engine, you don’t re-platform the firm.
First agents are live in weeks, not quarters. A forward-deployed monō engineer works alongside your desk through activation, on one tile, then more.
Less than pointing a frontier model at the same work raw. The harness sends only the context that matters and routes volume work to smaller models, so the architecture holds the cost down.
Start with one tile, or run your firm AI-native end to end. One platform underneath either way.
4 sectors, one platform, two ways to start.