Skip to content
FutureBank Platform Release 7 is here! Find out what's new
NewFutureBank MCP for agentic banking

Connect your bank to the AI economy.

Let customers, employees and developers work with your bank through AI, securely connected to your existing banking systems through FutureBank.

Explore agentic bankingSee the platform
Above
Agentic experience.
Underneath
Deterministic execution.

Trusted by banks, FinTechs and technology partners

  • Absa
  • Bidvest Bank
  • FIS
  • 10x Banking
  • Paymentology
  • Woolworths Financial Services
  • Entersekt
  • Derayah
  • Infoslips
  • Gratifii
  • Crossgate

01The shift

The interface of banking is changing again.

Customers will expect to bank through AI assistants. Employees will expect AI to help them service customers and run platforms. Developers will expect their AI tools to understand banking capabilities directly.

  1. 01

    Branch

    Banking happens at the counter, on the bank's hours.

  2. 02

    App

    Digital banking moves customer journeys from branches to apps.

  3. 03

    API

    APIs move banking capabilities out of monoliths and into ecosystems.

  4. 04

    AgentNow

    AI becomes the interface for customers, employees and developers.

Banks need more than APIs. They need a secure, governed and deterministic bridge between AI and the banking environment.

That's FutureBank.

02AI banking for everyone

One platform.
Three AI experiences.

Let customers, employees and developers work with your bank through AI, without giving AI uncontrolled access to your systems.

For customers

Bring your bank into the customer's AI assistant.

Let customers reach approved banking journeys from the AI environment they choose, from checking accounts and cards to making payments and managing beneficiaries.

  • Accounts, cards, payments and beneficiaries
  • Customer consent and granular permissions
  • Agent-initiated actions with approval flows

FutureBank checks identity, permissions, limits, consent and approval workflows before a request becomes a banking action.

More on AI banking for customers
Your AI assistant
Illustrative

03What's underneath the AI

AI needs something
reliable to act on.

A language model can understand a request. It shouldn't decide how a payment executes against a core banking system. FutureBank is the deterministic layer between the two.

  1. 01

    Agentic experience

    Natural language, AI assistants and autonomous workflows for customers, employees and developers.

    “Send R5,000 to Sarah.”

  2. 02

    MCP & Agent Gateway

    Capability discovery, context, permissions and tools. AI gets a governed way to find and use banking capabilities.

    tool → payments.initiate

  3. 03

    Trust & control

    Identity, consent, policies, limits, approvals and audit, all applied before any request becomes a banking action.

    identity ✓ consent ✓ limits ✓

  4. 04

    Canonical banking model

    Standardized banking capabilities that stay the same whichever provider sits underneath.

    Payment{ 5000.00 ZAR → BEN-0193 }

  5. 05

    Integration & orchestration

    Adaptors, routing, events, transformations, workflows and observability across every connected system.

    route → real-time rail · core adaptor

  6. 06

    Bank + partner ecosystem

    Core banking, cards, payments, KYC, fraud, investments, insurance and FinTech partners: the systems that actually deliver.

    posted ✓ ref FBX-88213

04Built for control

AI proposes.
FutureBank governs.
The bank executes.

Every request passes the bank's own controls before FutureBank invokes a deterministic banking capability. Pick a request and watch it go through.

Trust & governance

FutureBank control path

0/10

  1. pending

    01Identity

    Customer authenticated via OIDC session

  2. pending

    02Agent authorization

    Assistant registered and scoped to this customer

  3. pending

    03Customer consent

    Payments consent active

  4. pending

    04Capability permissions

    payments.initiate allowed for this agent

  5. pending

    05Beneficiary validation

    Matched to a saved, verified beneficiary

  6. pending

    06Transaction limits

    Within daily agent-initiated limit

  7. pending

    07Policy

    Bank payment policy evaluated

  8. pending

    08Approval / step-up

    Customer approved in banking app

  9. pending

    09Audit

    Decision trail written

  10. pending

    10Execution

    Deterministic capability invoked

Try a request

AI

Customer → assistant: Send R5,000 to Sarah.

Evaluating against the bank's controls…

Audit trail

    05Plug and play, now for AI

    Connect your bank to everything.

    One canonical banking model sits between every interface and every provider. Banks can change the technology underneath without rebuilding the experiences above it. AI becomes one more consumer of that model.

    Exposed through

    • MCP
    • APIs
    • SDKs
    • Events
    • BankCentral
    • BankOps
    • AI dev tools

    FutureBank

    Canonical banking model

    MCP & agent gatewayTrust & controlIntegration & orchestration
    • Onboarding
    • Accounts & Wallets
    • Cards
    • Payments
    • Beneficiaries & Billers
    • Fraud & Risk
    • Investments & Insurance
    • Statements & Data

    Connected to

    • Core & ledgers
    • Card processors
    • PSPs & rails
    • KYC / KYB
    • Fraud & AML
    • Billers
    • Investments & insurers
    • FinTechs

    APIs made banking programmable.

    FutureBank made those APIs interoperable.

    MCP now makes those capabilities accessible to AI.

    06Canonical capabilities

    Banking primitives for apps, people and agents.

    The same standardized capabilities, available through APIs, SDKs, BankCentral, BankOps and MCP, whichever provider sits underneath.

    The canonical model

    • Onboarding

      Identity, KYC/KYB, verification, customer creation and account opening.

      • onboarding.start
      • identity.verify
      • accounts.open

    • Accounts & Wallets

      Balances, transactions, account management, wallets and stores of value.

      • accounts.list
      • accounts.balance
      • wallets.create

    • Cards

      Issuing, activation, controls, limits, transactions and lifecycle management.

      • cards.issue
      • cards.freeze
      • cards.set_limit

    • Payments

      Account, card, real-time, cross-border and digital-asset payments, with settlement and reconciliation.

      • payments.quote
      • payments.initiate
      • payments.status

    • Beneficiaries & Billers

      Beneficiary management and moving money between stores of value and billers.

      • beneficiaries.list
      • beneficiaries.validate
      • bills.pay

    • Fraud & Risk

      Fraud, AML and decisioning orchestrated across customer and transaction journeys.

      • risk.assess
      • aml.screen
      • cases.open

    • Investments & Insurance

      Investment, trading, insurance and other financial-product providers through the same model.

      • investments.quote
      • orders.place
      • policies.quote

    • Statements & Data

      On-demand, consolidated statements and a single view of customer across systems.

      • statements.generate
      • customers.view
      • events.subscribe

    07Solutions

    Ready-to-launch banking solutions.
    AI-ready by design.

    Package the primitives into business outcomes. Every solution is agent-accessible from day one, so there's no separate 'AI product' to buy.

    All solutions

    08Partner network

    One platform. An ecosystem of financial technology.

    The question changes from “Which vendor does FutureBank use?” to “Which combination of providers is right for this bank?”

    Core banking, cards, payments, KYC, fraud, investments and insurance are composed around the bank's requirements, from a growing network of pre-integrated providers or the bank's own.

    Explore the partner network

    Compose a bank · click to change

    Partner networkYour providerNot yet

    2 from your estate

    4 from the partner network

    One canonical model across all of them. Change any provider later without rebuilding the experiences above, and every one of them is available to AI through the same governed layer.

    09Architectural neutrality

    Your bank. Your architecture. Your control.

    FutureBank fits the bank you have and the bank you're becoming. Pick either side of every choice.

    • Supported
    • Supported
    • Supported
    • Supported
    • Supported
    • Supported

    10Proven foundation

    Years of making banking plug-and-play.

    Bank compatibility
    96%
    Cost reduction
    85%
    FinTech success rate
    100%
    API, SDK & app coverage
    80%
    “FutureBank helped us choose the best technology partners so we could launch the most innovative Digital Bank in the Middle East.”
    PHPrzemek HenchkeChief Information Officer, D360
    “We were able to integrate and launch a fractional share trading platform into our Retail Digital Banking experience in weeks not months.”
    MSMark SchoombieHead of Digital Banking, Bidvest Bank

    11Play · Pilot · Build · Run

    Don't start with an AI transformation.
    Start with one journey.

    How engagements work
    1. 01

      Play

      Spin up your instance and simulate

      Explore with sandboxes, mock data and AI tooling.

    2. 02Start here

      Pilot

      Select capabilities and integrate

      Connect one real customer, employee or developer journey.

    3. 03

      Build

      Shape your unique solution

      Integrate it into your production banking environment.

    4. 04

      Run

      Add capabilities, innovate rapidly

      Operate governed agentic banking safely at scale.

    The next connection is yours

    Your bank.
    The AI economy.
    Connected.

    Start a conversation about what agentic banking could mean for your bank, beginning with one governed journey.

    Let's connectPlay · Pilot · Build · Run