We deploy Verity, the world's first formally verified core banking platform, and VeriCrypt, the first machine-verified post-quantum compliance engine — on your infrastructure, air-gapped, with every transaction Merkle-proofed and every compliance decision Lean 4 verified. From legacy core migration to agentic fraud detection, every engagement delivers a regulator-ready artifact, not a slide deck.
Where to start
Not sure where AI fits in your bank, fintech, or treasury function? Here is how every successful agent-native banking programme is structured — and where Intellica enters.
2026 marks the shift from chatbots to autonomous agents that reconcile ledgers, pre-underwrite loans, and detect fraud without continuous oversight — but legacy cores have no concept of an "agent" as a customer, and your certificate inventory was never built for a quantum-capable adversary. None of this is a failure of your team — it's the foundation nobody designed for either problem.
Verity and VeriCrypt are not chatbot wrappers around your existing core. Verity is a formally verified, agent-native banking operating system; VeriCrypt is a machine-verified PQC compliance engine — both single-binary, air-gap capable, and designed so the regulator's evidence comes from the platform, not from your compliance team's spreadsheets.
Every transaction carries a Merkle proof. Every compliance decision is Lean 4 verified in under 1ms. Every certificate's quantum exposure is SLH-DSA signed and independently checkable offline. Your regulator doesn't need access to your systems, trust in Intellica, or a network connection to verify any of it.
We map your core banking architecture, agentic AI exposure, and cryptographic inventory — and run a free first VeriCrypt scan.
Verity deployment plan, Agent Integrity Engine governance design, DORA/EU AI Act evidence mapping, and a PQC migration roadmap — before a line of code touches production.
One agentic banking use case — fraud/AML, loan pre-underwriting, or onboarding — running on Verity's Agent Integrity Engine, in shadow mode against your existing core.
Executive briefings for IT/risk leadership, engineering bootcamps for agent-native development, and HITL oversight training for compliance and operations staff.
Full core migration via the 90-day parallel-run simulator, agency-wide PQC migration, and continuous Theorem Validation Pipeline in production.
Single-binary, air-gap capable core banking platform with a legacy migration toolkit that auto-detects COBOL/DB2/CSV and runs a 90-day parallel-run simulator before cutover.
GNN fraud detection at 1.12ms/transaction, AI-native onboarding with 85%+ automated decisions, and loan pre-underwriting agents — all governed by the Agent Integrity Engine.
Ingests your certificate inventory and outputs a SLH-DSA signed, Merkle-proofed .pqc compliance artifact any regulator can verify offline in under one second.
Agent Integrity Engine governance framework mapping every agent action to OWASP Agentic Top 10, EU AI Act Art. 9–11/50, and DORA Art. 5–14 — with Lean 4 proof artifacts as the evidence.
Executive briefings for IT and risk leadership, engineering bootcamps for agent-native banking development, and HITL oversight training for compliance teams.
From a 50,000-account community bank shadow-mode pilot in 4 hours, to sovereign HPC sizing for central banks and sovereign wealth funds running fully air-gapped.
Fiserv agentOS, Thought Machine, Oracle, and IBM Sovereign Core each solve one slice — AI workflow, smart contracts, cloud AI suites, or air-gapped infrastructure — but none combine formal ledger verification with agent-native identity. Verity is a single Rust binary: TLA+ verified double-entry ledger, capability-based microkernel, and AI agents as first-class banking participants, deployable bare-metal or air-gapped.
P99 ledger append latency <50ms; GNN fraud detection <2ms; 328 BIAN service domains; 99.999% availability SLA; attack probability on the ledger invariant: 10⁻¹⁸.
Core banking modernisation depends on a clean, integrated, real-time data foundation — and the gap between transformations that succeed and those that fail is almost always governance and testing rigour, not technology. Verity's Legacy Core Migration Toolkit auto-detects COBOL, DB2, CSV, and fixed-width formats and maps them to BIAN v14.0 with confidence scoring; this engagement scopes that migration before any cutover commitment.
A new core or compliance engine is only as useful as what it can see. Cortex's connector framework mirrors data from existing core banking, general ledger, risk, and treasury systems into Verity's TraceDB via the Absorption Pipeline — Strangler Fig migration with instant rollback, no rip-and-replace.
2026 marks the shift from chatbots and summarisation to autonomous agents executing complex multi-step workflows — reconciling ledgers, pre-underwriting loans, detecting fraud in instant payment flows. McKinsey estimates banks leveraging AI at scale achieve 30–50% faster development cycles. This pilot deploys one agent skill in shadow mode against your existing core, governed end-to-end by Verity's Agent Integrity Engine — no agent action touches production funds during the pilot.
| Discovery & use-case scoping (3 days) | $3,240 – $4,140 |
| Cortex connector to existing core (10 days) | $10,800 – $13,800 |
| Agent skill build — one option (10 days) | $10,800 – $13,800 |
| Shadow-mode validation & testing (5 days) | $5,400 – $6,900 |
| Documentation & handover (2 days) | $2,160 – $2,760 |
| Phase 1 pilot total | $32,400 – $41,400 |
AML, KYC, and KYB are moving from basic automation to adaptive, real-time intelligence — but agentic AI's continuous learning demands massive data storage and strict governance, or it becomes a new class of risk. Verity's multi-model GNN stack (SCAFDS, AGNAE, GCRMF) runs against the live Merkle transaction graph, producing automated SAR narratives with forensic traceability back to source transactions.
Form-based onboarding generates drop-off and call-centre overflow at exactly the moment a bank is trying to win a new customer. Verity's two-minute instant account opening uses AI-native KYC with selfie liveness and zero document upload for standard-risk applicants, with over 85% of decisions fully automated and Verity Companion handling 70% of post-signup interactions.
The EU AI Act classifies credit scoring and risk assessment as high-risk AI, requiring a conformity assessment and extensive documentation before launch. Verity's agent-native architecture builds the documentation in as a byproduct of operation — every pre-underwriting recommendation and ledger reconciliation produces a Lean 4 proof trace usable directly in the conformity assessment.
Existing PQC tools scan and report; cloud-based scanners require uploading your certificate inventory and produce no formal proofs. VeriCrypt ingests your certificate inventory and outputs a SLH-DSA (FIPS 205) signed, Merkle-proofed .pqc compliance artifact that any regulator can independently verify offline, in under one second — with zero network egress during the scan.
DORA Art. 5–14 treats AI and cryptographic posture as critical ICT risk, with crypto-agility milestones at 2026/2030/2035 (PQCMM v1.0). VeriCrypt's .pqc report is the evidence artifact — your regulator needs no access to your systems, no trust in Intellica, and no network connection to verify it.
| First scan — free (10K certs, <60s) | $0 |
| Licence activation & signed .pqc setup (2 days) | $2,160 – $2,760 |
| HNDL exposure review & Shapley roadmap (3 days) | $3,240 – $4,140 |
| DORA Art. 5–14 evidence packaging (2 days) | $2,160 – $2,760 |
| Readiness engagement total | $5,400 – $9,660 |
IBM Quantum-Safe Explorer and Arqit Enterprise Inhibitor are cloud-based, require data upload, and produce no formal compliance proofs, CBOM output, or air-gap capability. Manual consultancy audits produce no machine-verifiable evidence at all. VeriCrypt is the only option with all of the above in one air-gapped binary.
42.6% of real multi-agent trajectories hide a dangerous dependency — two individually safe agents that can collectively reach a forbidden goal. Verity's Agent Integrity Engine is a capability-based microkernel that eliminates this entire risk class at the VM level: this engagement designs the governance framework, risk-tier classification, and Lean 4 theorem mapping for every agent deployed.
Fragmented AI regulation is expected to drive $1 billion in compliance spend across financial services, and you can't govern AI when your data lives in disconnected silos. We scope, prioritise, and sequence your agentic AI and PQC migration initiatives against DORA, EU AI Act, Section 1033, Basel III, and UK PRA guidance — drawing on Verity and VeriCrypt's live benchmarks as reference points.
Citi now requires 175,000 employees to complete AI training — a signal that agentic AI is about to touch every corner of every banking organisation. This 2-day executive workshop covers what "formally verified" and "agent-native" actually mean, how to read DORA/EU AI Act requirements against vendor claims, and where Verity and VeriCrypt's benchmarks set the bar.
Vendor dependency on agentic AI is the long-term risk for banks — especially when the vendor's agent can't prove it didn't move money it shouldn't have. This 5-day hands-on programme builds in-house capability to extend Verity's capability-based microkernel, design PASETO v4 token scopes, and write Lean 4 theorem checks for new agent skills.
Deploying agentic AI in fraud, underwriting, or onboarding without training compliance and operations staff to interpret its proof traces and SAR narratives creates automation liability with none of the productivity benefit. This programme trains compliance and operations teams on exactly how to read Verity's Lean 4 proof traces, GNN fraud flags, and provenance ledger — and when to escalate.
Verity's reference benchmark: a 50,000-account community bank reaches shadow-mode live in 4 hours via air-gapped USB installation. This is the fastest, lowest-risk way for a community or regional bank to see Verity running against a copy of its own data — no production cutover, no disruption, full Theorem Validation Pipeline output from hour one.
Central banks, defence finance, and sovereign wealth funds cannot run core financial infrastructure on hyperscaler clouds. We design and size sovereign HPC infrastructure for Verity and VeriCrypt workloads — Verity benchmarks 3,600 req/hr sovereign LLMOps throughput on self-hosted GPU, with utilisation climbing from 12% to 78% via PagedAttention.
Federal agencies have issued consent orders forcing banks to substantially increase oversight of fintech partners under the sponsor-bank model — compliance is now a competitive product feature, not a back-office burden. Verity's capability-based microkernel makes fintech-partner access scopable and auditable at the token level, with every partner action provenance-chained for regulator review.
Global procurement signal
Active regulatory deadlines, supervisory priorities, and AI adoption mandates shaping banking and fintech procurement.
Why Intellica
Fiserv agentOS, Thought Machine, Oracle, and IBM Sovereign Core each address one slice of the agent-native banking problem. Verity and VeriCrypt are designed from first principles to make audits a verification exercise, not a trust exercise.
TLA+ verified at compile time, runtime model-checked continuously. Lean 4 proves every compliance decision in under 1ms. Regulators can replay the schedule trace bit-for-bit.
One Agent One Account, PASETO v4 capability tokens, dual-control thresholds at ≥$10,000 enforced by the microkernel. These are invariants, not policies — your regulator can verify them independently.
Hybrid dual-signature tokens carry both classical Ed25519 and ML-DSA-44 during migration. VeriCrypt's HNDL exposure model is mathematically proven, not heuristic — additive models are provably inadequate for this problem.
Bare metal, USB-installable, offline bootstrap. Central banks, defence finance, and sovereign wealth funds run Verity and VeriCrypt fully air-gapped — updates delivered on physical media.
Six-stage pipeline extracts live telemetry, routes to theorem-specific validators, and exports Lean 4 certificates and DORA audit packages on demand — turning your compliance function from retrospective to real-time.
We don't resell core banking platforms or take referral fees from AI vendors. Every recommendation — including whether Verity is the right fit at all — is determined by your requirements and regulatory exposure alone.
Start the conversation
We will send you a complete Verity/VeriCrypt architecture assessment within 48 hours — including a free first VeriCrypt scan of your certificate inventory. If it solves your problem — and it will — we discuss what engagement looks like from there.