SovereignSuperintelligencefor Safe Autonomy
KrimOS
All-in-one agent solutions for lending services
The agent operating system
KrimOS runs the whole loan, from first enquiry to final payoff.
AI co-workers carry every loan as one connected current of work, every action validated before it fires.
Scale without the headcount.
AI workers carry the volume.
Audit evidence in minutes.
The record writes itself.
Smarter with every decision.
The world model learns.
The challenge
What’s stopping AI from running banking?
AI in banking: the pilot that never lands.
Hallucinations become violations.
A wrong call with no rollback is a compliance event waiting to be filed.
Decisions you can't explain.
Every action carries the bank's signature, and most AI leaves no reasoning an examiner can read.
A stack that never learns.
Each tool sees one slice, so the intelligence your operation should build never forms.
The answer
It runs lending. And proves every action.
No black boxes. Pause, override or roll back from one screen.
- Explainable: Every decision, in plain words. The reasoning is recorded as the action happens, readable without a data scientist in the room. The reasoning behind the result. The policy it ran, the validator that cleared it, the logic behind it. Readable by compliance. Plain language your examiner follows directly. Inspections answered same-day. The evidence exists because the validation did.
- Auditable: The proof builds as the work runs. Every action streams to a sealed, append-only trail the moment it happens. Sealed before the next action. Append-only, verifiable, complete by construction. Replayable, any moment. Action, rule, verdict, exactly as it ran. Days to minutes. A three-day audit response, answered in minutes.
- Trustworthy: Nothing moves unchecked. Every action clears 33 validators before it can fire. 33 validators, pre-execution. Grounding, soundness and permission, on every action. No route around the gate. The validation path is the execution path. Edge cases reach a human. What doesn't clear comes to a person, with the rule that stopped it.
- Controllable: The runtime answers to you. Every co-worker runs inside authority limits you set. Authority per co-worker. What it decides, escalates, or never touches, set by you. Live oversight in Kupa. Halt, modify or escalate any action in real time. Rule changes, no downtime. Tighten policy without restarting the runtime.
Explainable
Every decision, in plain words.
The reasoning is recorded as the action happens, readable without a data scientist in the room.
The reasoning behind the result.
The policy it ran, the validator that cleared it, the logic behind it.
Readable by compliance.
Plain language your examiner follows directly.
Inspections answered same-day.
The evidence exists because the validation did.
Safe agent harness
Agents that act. A harness that decides if they should.
A bare AI agent will use any tool, in any order, with any parameters — in a regulated bank, that is a liability. On KrimOS, every action a Karta co-worker proposes clears three controls first: a constrained action vocabulary; a 33-validator gate that checks your policy, fair-lending rules and consent records; and a human command surface your risk and compliance teams own.
Validated before it acts.Provable on demand.
Kovida — the world lending model
One model for your whole lending operation.
One runtime runs the whole lifecycle and records every action with its reasoning on one ledger, so Kovida builds a connected model of how lending actually behaves, and sharpens with every outcome. Validation lets it act; the record, kept inside your walls, lets it learn.
Fragmented flows become one intelligence that compounds.
Inside KrimOS
The operating system for lending.
AI co-workers run the whole operation, origination to collections, every action on one record with its reasoning — inside your own walls.
- Kendra (The runtime): The engine every co-worker runs on. Deny by default: nothing runs that your rules haven’t cleared. One immutable record: what ran, why, under which rule. Every outcome captured, feeding Kovida, the world model.
- Kriya (The actions): The building blocks every workflow is made of. 500+ validated, credit-native actions, ready to use. Rules travel with the action: change once, live everywhere. The layer Compliance and Legal sign off on.
- Karta (The co-workers): Handle more volume without adding headcount. AI co-workers across the full lending lifecycle. Voice, SMS, email and WhatsApp: in the customer’s own language. They finish the work themselves. Credit decisions stay yours.
- Kupa & Kula (For your teams): Direct the operation in plain language, and hold every control. Ask in plain language: Kula builds the plan, you sign off. Live dashboards and analytics: every queue, call and SLA. One-click pause or rollback; everything on the record.
- Krimkar & Kira (For your customers): The AI your customers talk to. One thread from application to payoff, every channel. Speaks their language; acts only within consent. Hands to a person, with full context, when it matters.
The runtime
Kendra
The engine every co-worker runs on.
- Deny by default: nothing runs that your rules haven’t cleared.
- One immutable record: what ran, why, under which rule.
- Every outcome captured, feeding Kovida, the world model.
Intelligence by policy
One action, meeting the gate.
This is the path every action runs. Watch one reach the gate, clear its validators, and carry its verdict into the record.
Call this borrower, 14 days past due, about a payment plan.
Krim-Nyāya · 33 validators, three families
- ClearedPramāṇagrounding
Balance and status confirmed against the system of record, no guessing.
- ClearedDoṣasoundness
No conflict with the borrower’s active hardship plan.
- HeldYogyatāpermission
Consent is on file, but it’s before legal calling hours in their timezone.
Held, and rescheduled to 9:00 am in the borrower’s timezone, with the reason on the record. Nothing fires until it clears.
Inside the lifecycle
Every stage, on the record.
Co-workers run each stage under your rules — the work moves faster, and the proof files itself as it runs.
- Acquisition (Growth & contact centre): No enquiry waits, whatever the volume. Reach — Enquiry handling, Eligibility pre-check, Multilingual outreach; Convert — Application invite, Abandoned re-engagement, Channel routing
- Origination (Credit operations): Complete files, first time — nothing stalls. Intake & identity — Application capture, KYC / KYB, Sanctions screening; Documents & data — Document capture, OCR & extraction, Bureau pulls; Routing — Triage & prioritise, Stalled-file chase, Hand-off to underwriting
- Underwriting support (Credit risk): Underwriters see only the judgment cases. Prepare — File assembly, Affordability evidence, Income & employment; Check — Policy & eligibility, Adverse-action notices, Exception flags
- Disbursal (Loan operations): Funds move the moment every check clears. Contract — Agreement generation, E-sign, Compliance pre-checks; Fund — Disbursal, Autopay enrolment, Welcome & first payment
- Servicing (Servicing & support): Answers on first contact, day or night. Money — Payments & autopay, Statements, Reconciliation; Care — Queries & changes, Self-serve resolution, Multilingual support; Lifecycle — Renewals & top-ups, Account maintenance, Human hand-off
- Collections (Collections & cure): Recovery that never breaks the rules. Contact — Right-party contact, Consent & hours checks, Frequency caps; Cure — Payment plans, Promise-to-pay, Settlement; Stages — DPD 1–30, DPD 31+, Early-warning
- Hardship (Care & complaints): Care at scale, inside the rules. Support — Hardship signposting, Restructuring, Forbearance; Resolve — Disputes & complaints, Vulnerable routing, Case handover
- Closure (Retention): A clean close, and the next conversation. Close — Payoff & settlement, NOC / lien release, Account closure; Grow — Win-back, Cross-sell, Next-product offer
02 · Origination
Credit operations
Complete files, first time — nothing stalls.
Intake & identity
Documents & data
Routing
The oversight layer
The AI runs the work. Your people run the bank.
Everything above runs on the record, monitored and evidenced. KrimOS proves what happened. It never makes the credit decision.
Human-in-the-loop
low-confidence and high-risk decisions route to a person
Kupa command
see, set, step in, prove
Risk & portfolio
early-warning, strategy testing
Compliance & audit
evidence by construction
Fraud & financial crime
anomalies surfaced
MIS & reporting
regulatory submissions on demand
Works with the systems you already run.
40+ connectors into your core, LOS and LMS.Nothing to tear out.
Recognition & programmes
How you start
See it prove itself on your data.
Deep-dive
Your policies, products and systems, mapped with your team.
Proof on your data
KrimOS runs a real slice of your operation, inside your own walls.
In production
Live with your rules and the full record in force.