Two Products.
One Intelligence Layer.
Built for Banking.
WtrDB connects and governs your financial knowledge graph. WtrOpsAI deploys AI agents that run customer workflows end to end across outreach, follow-up, qualification, and servicing, with voice operating as one of the channels those agents use. Together, they give banks the infrastructure to operate faster, comply confidently, and never let a relationship go cold.
WtrDB
A graph-native knowledge operating system. Ingests documents and data, extracts typed entities and relationships, resolves identities across systems, governs every fact through a three-filter validation pipeline, and exposes a queryable, federated knowledge graph with mathematical trust scoring.
WtrOpsAI
An AI agent platform for customer operations. Configure agents with workflows, tools, knowledge bases, escalation logic, and automation rules so they can execute loan pre-qualification, KYC collection, payment reminders, and reactivation journeys end to end. Voice is one of the channels those agents use to operate at scale, alongside full transcripts and CRM integration.
Banks run on data and relationships.
Both are broken.
Every bank sits on enormous volumes of unstructured data — loan documents, KYC files, transaction records, regulatory filings, counterparty agreements — scattered across systems that don't talk to each other. At the same time, high-value customer workflows are still pushed through manual follow-ups: chasing loan applications, progressing overdue EMI journeys, reminding customers to complete KYC, reactivating dormant accounts. The data problem and the workflow problem compound each other. WtrDB solves the first. WtrOpsAI solves the second with configurable AI agents that can act autonomously, including over voice when that channel is most effective.
Your entire financial knowledge graph.
Governed. Queryable. Trusted.
Entity Resolution & KYC
Resolve customer, counterparty, and corporate entity identities across core banking, CRM, and KYC systems. Eliminate duplicate records. Merge contradictory cross-system profiles into a single governed entity — the foundation of accurate KYC.
AML & Fraud Graph Intelligence
Map transaction chains, shell company structures, and beneficial ownership networks through graph traversal. Surface suspicious patterns — layering, smurfing, circular flows — that tabular analysis misses entirely.
Counterparty Risk Intelligence
Ingest from credit bureaus, regulatory filings, news feeds, and internal exposure data. Build a live counterparty risk graph with relationship chains, concentration exposure, and sector contagion paths — updated continuously as new data arrives.
Regulatory Compliance & Audit
Complete audit trails, point-in-time reconstruction, and policy-as-code access controls built into the platform. Reconstruct what was known at any moment for any regulatory review — not from backups, from the graph itself.
Loan Document Intelligence
Ingest loan applications, credit memos, valuation reports, and covenant documents. Extract typed entities — borrower, guarantor, collateral, covenant, exposure — and govern every relationship with provenance back to the source document.
Cross-System Data Federation
Connect core banking, treasury, risk, and compliance systems under a single federated knowledge graph. Contradictions are detected and surfaced before they propagate. Every team works from one governed view of the truth.
AI agents for customer operations.
Voice is one channel.
Loan Pre-Qualification
Deploy an AI agent that runs the pre-qualification workflow end to end: it contacts prospects, qualifies income, employment, loan purpose, and liabilities, follows a configurable decision flow, writes outcomes back to your systems, and books your RM only when the lead is ready for a human conversation. Voice is simply one operating channel for the agent.
KYC Collection Calls
Configure an AI agent with your KYC flows, required fields, tool access, and knowledge base so it can identify missing items, explain requirements, collect details, trigger follow-up actions, and keep progressing the case without human intervention. Voice calls become one efficient way the agent moves customers through completion.
EMI & Payment Reminders
AI agents manage reminder and collections workflows autonomously: they initiate outreach, capture payment intent, negotiate commitment dates inside approved flows, log disputes, and escalate only exception cases. Voice outreach supports the workflow, but the core value is automated end-to-end execution.
Dormant Account Reactivation
Give the agent your dormant account list, reactivation playbooks, routing rules, and CRM tools. It runs the campaign autonomously, understands current customer needs, updates records, and routes high-intent opportunities to the right RM. Voice is how the agent reaches customers at scale, not the product story itself.
Fixed Deposit & Product Renewal
AI agents execute renewal workflows from first outreach through intent capture and next-step orchestration. They can be configured with renewal policies, offer logic, approval paths, and booking tools so customers move forward faster while your wealth or retail team handles only the moments that truly need judgment.
Customer Onboarding Follow-Up
For incomplete onboarding, the agent detects what is missing, follows the right remediation path, answers process questions from its knowledge base, uses connected tools to push the case forward, and escalates only blocked scenarios. Voice helps the agent resolve issues in real time, but the value is full workflow completion.
Knowledge that governs.
Agents that act.
WtrDB knows everything about your customers, counterparties, and risk exposure — governed, structured, and queryable. WtrOpsAI turns that intelligence into autonomous action through AI agents configured with flows, tools, knowledge bases, and escalation logic. Voice is one operating surface for those agents. Together, they close the loop between what your bank knows and what it does about it.
WtrDB Identifies
WtrDB ingests your loan book, CRM, and transaction data. It identifies a customer with an FD maturing in 14 days, a pre-approved top-up loan eligible based on repayment history, and a KYC flag expiring in 30 days.
WtrOpsAI Acts
WtrOpsAI launches the right agent workflows automatically — FD renewal, loan offer, KYC reminder — with each agent using approved flows, connected tools, and the customer context retrieved from the knowledge graph. Voice can deliver the interaction, but the agent is what drives the work forward.
Both Systems Update
Call outcomes — intent captured, appointment booked, payment committed — flow back into WtrDB as governed facts, updating the customer's profile and triggering the next action automatically.
Built for every team in the bank.
Chief Risk Officers
A governed, queryable counterparty risk graph with mathematical trust scoring — not a spreadsheet model.
Compliance & Regulatory Teams
Audit trails, point-in-time reconstruction, and policy-as-code access controls. Built in, not bolted on.
Retail & Relationship Banking Heads
AI agents that autonomously qualify leads, progress collections workflows, and reactivate dormant accounts — so RMs step in with context only when needed.
Chief Data Officers
A federated knowledge graph that resolves identities and surfaces contradictions across every source system.
Operations & Collections Leaders
Configurable AI agents for KYC follow-ups, payment journeys, and customer operations, with transcripts, system updates, and escalation logic built in.
Ready to give your bank a smarter foundation?
Talk to the team about your data landscape, client communication workflows, and integration requirements.