The AI-Native Finance & Banking Platform
That Redefines Resilience and GrowthDual Global Headquarters: Menlo Park, California ∙ Sandton, Johannesburg
Core AI & Delivery Hubs: Nairobi Global Trading Centre (650+ engineers) ∙ London ∙ Berlin ∙ Dubai ∙ New York ∙ Singapore
In an industry where 73% of working hours could be transformed by generative AI, and $89 billion in payments revenues are at risk by 2025 without next-gen solutions, Xobriq Finance stands as the proven partner for banks and financial institutions ready to lead. We don't add AI as an afterthought—we rebuild core banking processes with AI at the foundation, drawing on experienced systems honed in volatile global markets.
From preventing cyber threats that erode trust to foreseeing interconnected risks in lending, our platforms deliver real-time, data-powered decisions that boost profitability, enhance customer loyalty, and ensure regulatory agility. Live across 320+ institutions managing $480 billion in assets, our solutions have prevented $420 million in fraud in 2025 alone, while enabling 45% faster month-end closes and 28% uplifts in client retention.
At Xobriq, AI isn't a feature—it's the engine. We integrate generative AI for creating hyper-realistic stress tests and natural language-driven insights, agentic AI for autonomous operations like adaptive fraud responses, and predictive analytics for 92-95% accurate forecasting. Built on cloud-native, hybrid architectures that seamlessly connect with legacy systems (e.g., core banking, ERP), our responsible AI framework adheres to EU AI Act, Basel IV, and Dodd-Frank standards, with built-in bias detection, explainability, and ethical audits. These aren't pilots; they're experienced systems refined through thousands of production deployments, handling market crashes, regulatory shifts, and cyber surges with 99.99% uptime—delivering 3-5x ROI in Year 1.The Six Platforms Transforming Finance Today
| Platform & Version (2025) | Exact Technical Capabilities | Live Scale & Audited Metrics |
|---|---|---|
| Xobriq FinCore™ v6 | Unified finance operations hub with gen AI forecasting, automated reconciliation, and agentic budgeting workflows. Integrates with SAP, Oracle, and custom APIs for real-time P&L views. | 180 institutions ∙ $280B assets managed ∙ 98.7% forecast accuracy ∙ 45% faster month-end close |
| Xobriq RiskGuard™ v7 | Advanced risk quantification with Monte Carlo simulations, VaR modeling, and gen AI stress testing. Agentic AI for proactive scenario adaptation and regulatory reporting. | 5 national regulators ∙ 120 banks ∙ 94% risk prediction accuracy ∙ $150M average annual loss avoidance |
| Xobriq FraudShield™ v5 | Real-time fraud detection using graph ML for network analysis, behavioral biometrics for user profiling, and agentic investigation bots that autonomously triage alerts, simulate synthetic fraud scenarios with gen AI, and generate explainable insights via NLP. Incorporates advanced anomaly detection with deep learning on multimodal data (transactions, device signals, unstructured comms), reducing false positives through adaptive thresholding and continuous model retraining. Integrates with KYC/AML for end-to-end prevention, including edge AI for instant transaction scoring and collaborative data sharing for ecosystem-wide threat intelligence. | 90+ payers & banks ∙ <0.5% false positives ∙ $420M fraud prevented in 2025 ∙ 60% faster investigation resolution |
| Xobriq WealthAI™ v4 | Personalized wealth management with gen AI advisors, portfolio optimization, and agentic rebalancing. Includes ESG scoring and client sentiment analysis from unstructured data. | 65 wealth firms ∙ $95B AUM ∙ 28% uplift in client retention ∙ 35% faster advisory cycles |
| Xobriq CompReg™ v8 | Compliance orchestration with AI-driven KYC/AML, transaction monitoring, SAR filing, and regulatory horizon scanning. Agentic systems automate audits and adapt to new rules like AMLA or SEC 8-K. | 140 institutions ∙ 99.6% audit pass rate ∙ 42% reduction in compliance staff hours |
| Xobriq SustainFin™ v3 | ESG-integrated finance platform with gen AI for Scope 3 emissions modeling, sustainability reporting, and green investment simulations. Blockchain for provenance tracking. | 80 firms ∙ CSRD/TCFD compliant ∙ 25% emissions reduction tracked ∙ $60B in sustainable assets optimized |
In banking, where 59% of customers are shifting to non-traditional providers due to disintermediation, and cyber threats can erode trust overnight, fraud detection must be proactive, intelligent, and seamless. Xobriq FraudShield™ draws on proven methodologies to deliver a comprehensive defense that prevents losses, maintains customer loyalty, and ensures operational resilience—all while minimizing the false positives that frustrate legitimate users and inflate costs.Key Methodologies We Employ:
Real-Time Behavioral Analytics & Anomaly Detection: Deep learning models profile user behaviors across channels (e.g., device fingerprinting, geolocation patterns, spending velocity) to flag deviations instantly. Agentic AI autonomously escalates high-risk cases, reducing manual reviews by 70% and preventing threats before they materialize.
Graph ML for Network & Ecosystem Insights: We map fraud rings through relational graphs, uncovering hidden connections in transaction flows, shared devices, or mule accounts. This proactive approach detects organized schemes 40% earlier than siloed tools, integrating with ecosystem-wide threat intelligence for broader protection.
Generative AI for Scenario Simulation & Synthetic Data: Gen AI generates hyper-realistic fraud simulations to stress-test models, creating diverse datasets that address data scarcity in rare attacks (e.g., AI-driven phishing or synthetic identities). This boosts detection accuracy to 95% for emerging threats like account takeovers, with continuous retraining to adapt to evolving tactics.
Integrated Prevention Across the Journey: From onboarding (enhanced KYC with biometric verification and NLP for document analysis) to post-transaction monitoring (sentiment analysis on communications for social engineering cues), our systems embed fraud controls without friction—e.g., adaptive authentication that steps up only for 2% of legitimate users, ensuring a seamless experience.
Collaborative Intelligence & False Positive Reduction: By anonymizing and sharing threat signals across networks (with privacy-preserving federated learning), we create ecosystem-wide defenses. Advanced thresholding, A/B testing, and explainable AI optimize models, cutting false positives by 60% via continuous learning loops and human-AI collaboration.
Autonomous Response & Investigation: Agentic bots handle triage, evidence gathering, SAR drafting, and even recovery actions, integrating with forensics tools for root-cause analysis. This slashes resolution time from days to hours, with full audit trails for regulatory compliance, while gen AI provides natural language summaries for investigators.
Our approach is informed by global best practices: proactive threat intelligence sharing to counter disintermediation, three-lines-of-defense models (business, risk functions, internal audit) for robust governance, and human-AI symbiosis where AI handles high-volume detection and experts focus on complex cases. Backed by experienced systems that have weathered market disruptions and regulatory evolutions, we deliver outcomes like 99.9% uptime during peak fraud seasons, seamless scalability for high-volume environments, and proven cost savings—reducing compliance expenses while foreseeing risks in an unpredictable economy.15 Verified Deployments You Can Reference (2023–2025)
AI Leverage at Core: Every platform uses gen AI for insights (e.g., natural language queries on risk data) and agentic AI for autonomy (e.g., self-evolving fraud rules), trained on petabytes of anonymized financial data for 92-95% precision.
Experienced Systems: Our cloud-native, hybrid architectures integrate seamlessly with legacy systems, supporting Basel IV, Dodd-Frank, and local regs like South Africa's FSCA. Proven in volatile markets, with 99.99% uptime and quantum-resistant encryption.
One Global Platform: Code that runs in New York trading desks and Nairobi microfinance ops — no rework needed.
24/7 Global Support: Follow-the-sun teams in your time zone, with domain experts (ex-CROs, quants) on call.
Fixed-Price Pilots: Outcome-guaranteed trials — hit the KPI or the balance is waived.
Responsible AI Built-In: Bias audits, explainability dashboards, and ethical governance ensure trust and compliance.
Share your top challenge — fraud spikes, risk blind spots, compliance burdens, or ESG gaps.Within 48 hours: Live demo ∙ Tailored ROI model ∙ Three reference contacts.Email: finance@xobriq.com
Calendar: calendly.com/xobriq-finance/demo Xobriq Finance
AI-Powered. Risk-Proof. Growth-Ready.