AI infrastructure for modern fintech

As you widen agent autonomy, more servicing cases close straight through with no manual step. Your cost to serve falls with it, and your team's queue shrinks to the cases that need judgement.

Agents handle the routine work: settlement quotes, payment date changes, statement copies and arrears contact. Your people handle the exceptions, with the full case attached.

Authorisations arrive from Visa and Mastercard, repayments over SEPA, ACH, Faster Payments and local schemes, and affordability data from open banking and the major credit bureaux.

Kontor is built for regulated consumer lenders in any market: banks, specialist lenders, card issuers, and the fintechs and platforms that embed credit.

Loans, credit cards, revolving lines and point-of-sale finance run on one core. Each product is configuration, not code: day-count, accrual, fees, allocation order, statement cycle and arrears policy.

Launch a new product by writing a spec and getting it signed off, not by commissioning a build.

Each agent has a role, a limit on what it may do alone, and a person it hands over to. You set autonomy action by action: act, propose, or leave it to a human.

Agents never issue a default notice, never reject a customer dispute and never change policy.

An Agent Operating Procedure defines one piece of servicing work the way you'd train a person: the steps, the conditions, the limits. Kontor compiles it into policy checks and runs it with the consistency of code.

Your operations team writes and changes AOPs without engineering. Each version is replayed against historical cases, approved four-eyes, and recorded on every action the agent takes.

The disputes agent picks the route, files the chargeback and keeps statutory claims open in parallel, such as Section 75 in the UK or Regulation Z billing disputes in the US. It builds the evidence pack and tracks every scheme and regulatory deadline.

A named reviewer decides any outcome that goes against the customer.

Kontor emits a webhook for every ledger event and agent decision, and takes instructions through one REST API with typed SDKs.

Wire policy actions to your core banking, CRM and collections tools, and keep Kontor as the system of record underneath.

Moving a live credit book is a regulated change, and the way onto Kontor is designed for the people who have to approve it. Accounts migrate with their full event history, and the old and new ledgers run in parallel until they agree to the penny.

Only then do portfolios cut over, in cohorts, with a documented rollback at every stage, evidence your board and regulators can inspect as it happens.

Policy is code, versioned and approved in Console. Any decision can be replayed exactly as it was made, with its inputs, rule version and rationale.

Agent, human and ledger actions share one append-only, hash-chained timeline you can export for auditors and regulators.

The regulatory map covers obligations in the UK, EU and US, from fair treatment and explainable decisions to hardship, disputes and operational resilience.

Regulatory responsibility stays with you, the lender. Kontor enforces your policy and produces the evidence.

Idempotent writes, money as integer minor units, and as-of queries on any balance at any point in time.

Ordered, signed webhooks that can be replayed from a cursor. If your endpoint goes down, nothing is lost.