One conversational surface
Ask about balances, payments, credit, and disputes in plain language instead of navigating a maze of product menus.
A working AI-native banking simulation
A bank modeled for the
agent-native era
First ChatBank explores what banking looks like when customers and operators work through AI agents, while a deterministic ledger, policy engine, and approval system remain in control.
Demo only. First ChatBank is not a bank, does not hold real money, and does not provide financial advice or banking services.
First ChatBank demo
Why is my available balance lower than my ledger balance?
A simulated card authorization is holding $184.20. I can show the instruction, policy decision, and pending posting that produced the difference.
Show me the audit trail.
Ready. The demo links the customer request to its mandate check, policy result, ledger event, and current obligation state.
Agents decide. Deterministic systems execute.
The chat is the visible surface. Underneath it, every action must pass through typed tools, actor mandates, policies, obligations, and a balanced ledger.
Policy-gated actions
The agent can propose actions, but deterministic permissions and policies decide what is allowed to execute.
Auditable by design
Every decision, instruction, posting, and human approval is recorded so the path from request to outcome can be reviewed.
One operating model
Customer and operations agents use the same typed tool surface with different mandates, rather than bypassing the banking core.
The prototype
More than a chat wrapper
First ChatBank is a working reference architecture for an agent-operated bank: a small event-sourced core, products defined as data, a policy engine, simulated rails, and customer and operations agents sharing one governed tool surface.
- Explainable state and balances
- Replayable scenarios and daily close
- Explicit human approval boundaries
What the demo explores
Simulated banking journeys designed to make agent decisions and operational controls visible, testable, and auditable.
Accounts and payments
Explore simulated balances, holds, transfers, recurring instructions, and the ledger entries behind them.
- Available-balance explanations
- Two-phase postings
- Simulated payment rails
Disputes and controls
Follow a dispute from intake through investigation and resolution, including the points where a human must approve an outcome.
- Obligation deadlines
- Mandate checks
- Human approval boundaries
Agent-operated banking
See how specialized agents can work from versioned procedures while the deterministic core remains the final authority.
- Skill-based procedures
- Tool-level authorization
- Action-by-action audit trails
Bank-time simulation
Advance a synthetic bank through daily closes and operational events while keeping the books balanced and replayable.
- Synthetic customers
- Repeatable scenarios
- Invariant checks at close
Explore the working demo
Sign in to explore the conversational interface and simulated workflows. Nothing in the demo opens an account, moves real money, approves credit, or provides financial advice.
Access is currently provided through the project's authentication environment.
Sign in to the demo