Tuvel: give every customer a money advisor, in your bank's name
Tuvel is an AI money advisor for retail banks and fintechs. Your customers talk to one advisor, by voice or chat. Specialist agents for spending, investing and credit work behind it. Tuvel answers from the customer's own accounts, acts only as far as the autonomy level allows, and keeps a record of every step.
Why banks deploy Tuvel
- Advice for every customer, not just wealth clients. An advisor for the mass market, in the customer's own language, whenever they open the app.
- One face, many specialists. Finance, wealth and credit agents work behind one avatar, and hand off to each other. More agents are on the roadmap.
- Engagement that leads to products. Salary-day suggestions, a first monthly investment, balance transfers customers understand. Each one is the customer's choice.
Built for your role
- CIO / CTO: read-only access to linked accounts, only by consent. Each specialist agent works through its own tool server, and an audit trail keeps every action, consent and hand-off. Five autonomy levels, checked at the moment Tuvel acts. Roadmap: plug in your own APIs and MCP servers as new agents.
- Innovation and new products: a white-label avatar in your bank's name, colours and look, a team of specialists behind one face, and a live demo with sample customers. Roadmap: more agents, such as insurance, cards and onboarding.
- Retail banking: investment conversations that start from everyday salary accounts, fewer missed bills, credit offers customers understand, and answers in the customer's own language.
- Fintech: one advisor across markets and currencies, voice and chat, and a widget that embeds in your app behind your own sign-in.
The agents behind Tuvel
- Finance Manager keeps day-to-day money in order: tracks spending, sets budgets, reminds about bills, runs autopay and spots idle cash.
- Wealth Advisor puts what's left over to work: profiles risk, picks funds that match, sets up recurring investments and reviews the portfolio.
- Credit Advisor makes borrowing clearer and cheaper: explains credit standing, finds balance transfers and pre-qualifies for loans.
- Audit & Compliance never chats. It records every action, every consent and every hand-off between agents.
Five levels of autonomy
- Observer: explains and informs. Never moves money.
- Assisted: suggests and drafts. Every action waits for a confirm.
- Practitioner: prepares the action, ready to approve in one tap.
- Senior: pays known bills within the customer's limit, then tells them.
- Principal: also turns on autopay and starts monthly investments within the limit.
At every level, commitments wait for the customer's tap: a credit application, a balance transfer, a one-time investment or a redemption.
How a pilot starts
We host the pilot, and each pilot carries one bank's brand.
- Pick the customers and the agents.
- Agree the brand and the autonomy levels.
- Connect sample or sandbox data.
- Go live with a small group of customers.
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