Imani is the world's first fully agentic digital bank. AI agents handle fraud, payments, compliance, and your financial wellbeing — governed by cryptographic policy, not hoping for the best.
Traditional banks react. Imani anticipates. AI agents learn your financial patterns and act — before the overdraft hits, before the payment misses, before the fraud lands.
Your Persona Agent builds a financial model from your history — income timing, recurring bills, spending categories — and acts on it nightly.
No agent touches your money without passing through Imara's policy engine first. Every decision is cryptographically logged. Nothing happens in the dark.
Fraud screened in milliseconds. Payments authorized under 800ms. Onboarding in minutes, not days.
Each agent has a defined capability set — and cannot exceed it. Imara enforces the boundary so you don't have to worry about it.
Screens every transaction in real-time using behavioral signals and Sardine intelligence. Blocks first, asks questions second. Every decision logged to the Imara ledger.
P95 < 200msACH, wire, and cross-border payments with idempotency guarantees. Executes only after fraud and compliance both clear.
Fail-closedLearns your spending patterns, income timing, and recurring obligations nightly. Auto-saves after payday, prevents NSF fees, and delivers weekly financial insights — all governed by Imara.
Adaptive learningUnderwrites limits based on cash flow, not credit scores. Every decision is explainable and auditable by regulators.
Explainable AIMonitors for AML patterns 24/7. Drafts SAR reports for human review. Reads everything. Writes nothing without approval.
Human-in-loopManages idle cash sweeps and FX positions within pre-approved corridors. Provisions USDC wallets on Base via Circle and settles x402 micropayments on behalf of other agents. Any out-of-bounds action escalates immediately.
Circle · USDC · BaseHandles disputes, account queries, and ticket creation. Reads account history to give context-aware answers. Escalates to a human when confidence is low.
24 / 7Manages account lifecycle — opening, closing, tier upgrades, and linked account relationships. Syncs balances across rails, enforces account-level policies, and is the single source of truth for account state across all other agents.
Source of truthRuns KYB/KYC via Persona and Alloy — reads identity documents, classifies risk tier, and activates accounts. Low and medium risk is fully automated. High risk escalates to a compliance officer with full reasoning attached. Every document access is logged to the Imara ledger for POPIA and GDPR compliance.
Minutes, not daysNo agent ever calls a banking API directly. Every action passes through Imara's governance kernel before anything touches your money.
You swipe a card, initiate a wire, or set a savings goal. The action enters the Imani system.
Fraud, compliance, and credit agents evaluate in parallel — under 800ms total. All governed by Imara.
The policy engine checks capability, amount limits, and audit trail. Every decision is SHA-256 chained — tamper-proof.
Only permitted actions reach the banking partner. The result is logged. You're notified instantly.
Imara is the governance kernel that sits between every agent and the world. AWS governs resources. Bedrock governs model output. Imara governs what the agent does at runtime — a gap nobody else fills.
Every agent has a cryptographic identity. PENDING agents cannot act. REVOKED agents are cut off permanently.
Fail-closed. Capability not listed = action blocked. Amount limits, counterparty rules, time windows — all enforced before execution.
Every action — permitted or blocked — writes an immutable ledger entry. Tamper any entry and the chain breaks, detectable instantly.
High-value and high-risk actions pause for human approval. The portal shows the agent's reasoning, not just the request.
Irregular income, multiple clients, easy to miss a payment. Imani learns your cash flow cycle and keeps you in the clear — automatically.
Corporate cards, payroll, multi-currency payments — governed and auditable. Your finance team gets a real-time compliance dashboard, not a log file.
Business across UAE, Nigeria, and South Africa? One account, multi-jurisdiction compliance, FX handled by a Treasury Agent that knows the rules.
External AI agents and developers can query DigiBank's live analytics over the x402 protocol — no API keys, no OAuth, no subscriptions. Pay 0.001 USDC per call in USDC on Base and get the data instantly.
GET /x402/bazaar
GET /x402/v1/analytics/summary
Agent count, settlement rails, system health — real-time snapshot of the DigiBank network.
GET /x402/v1/analytics/balance
Real-time account balance for external reconciliation or multi-bank AI agents.
GET /x402/v1/analytics/transactions
Recent transaction history for cash-flow modelling or fraud pattern analysis.
Join the waitlist. We're onboarding businesses in UAE, South Africa, and Nigeria first.
No spam. No credit card. Just a seat when we open the doors.