Read our latest research on extending UCP for service based industries
Enable AI agents to complete financial workflows — loans, bank accounts, insurance — while keeping sensitive data out of the model layer entirely. PII flows from user to vault to institution, never through the agent.
Securely collects and vaults sensitive data. The AI agent never sees it. Raw PII exists only inside the vault and in transit to authorized recipients.
Knows which institutions to query, what fields each requires, and how to present offers. Completely PII-agnostic — a configuration change, not a code change.
Orchestrates the conversation, asks the user for consent, and presents results. Works only with opaque tokens, never raw data.
Personal loans, auto refinancing, mortgages — the agent starts the lending flow while secure fields collect income, employment, tax history, and asset details. The user consents to share with selected lenders. Offers come back sorted by rate — the user never leaves the conversation, and the agent never sees their SSN or financials.
The vault stores document scans and verification results, the KYC handler routes them to verification services. The user verifies once, consents per institution — multiple institutions share a single verified identity.
Health history, driving records, and property details collected through HIPAA-grade isolation. The vault delivers to each carrier's underwriting API and returns quotes. The agent presents comparisons without processing protected health information.
Identity verification, address confirmation, and tax ID collection — all through secure fields. The banking handler delivers to each institution's onboarding API. PII already vaulted from a prior loan application is reused automatically — the user doesn't re-enter their address and SSN.
Verify a user's age without exposing their full date of birth. The vault stores the DOB and returns only a boolean attestation — "over 18" or "over 21" — to the requesting service. The agent and the merchant never see the raw birthdate.
PII storage, access control, and delivery enforced at the infrastructure layer — not in application code. Consent records are immutable. Token-scoped access is enforced cryptographically.
One conversation, one set of forms, granular consent over who sees what. Revoke access to a specific lender without affecting others.
The AI agent's codebase never handles PII. No PCI/HIPAA scope expansion. Adding a new institution is a configuration change.
Receive verified PII through a secure channel, scoped to exactly the fields needed. Full audit trail of what was shared.
PII storage and access control enforced at the infrastructure layer. Consent records are immutable and token-scoped.
Share facts like "over 18" or "income above threshold" without exposing raw attributes. The vault attests; the agent and recipient never see the underlying data.
The same PII vault serves multiple domains. Lending, banking, insurance, and KYC share infrastructure with separate consent.