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AI Growth Agents, DAO and Fraud Products

Powering the fastest growing financial institutions with one platform for all accounts—anytime, anywhere.

Cotribute AI Growth Agents

AI You Can Trust, Control & Approve. Transform member acquisition, cross-selling, and relationship expansion with intelligent automation that delivers 5x faster growth rates.

AI Acquisition Agent (AIA)

Grow Your Membership—Faster, Smarter, and with Zero Risk

⏱ Timeline: 5 business days to turn on

Credit unions and banks spend ~$450 to acquire a new member or customer—but 3 out of 4 are ready to leave. The AI Acquisition Agent helps you do more with less by identifying the right personas, matching messaging, and showing competitive positioning.

Identify the right member personas for your offerings and match messaging that improves response and trust. See how your products compare in the market—all within a safe, reviewable sandbox where you keep full control.

AI Cross-Sell Agent (AIC)

Personalized Offers at the Highest Point of Interest

⏱ Timeline: 5 business days to turn on

Your institution invests ~$450 per new member or customer, but most only use one product. As a member goes through the onboarding flow, the AI Agent identifies which of your other products might be most appropriate for them.

Deliver real-time personalized offers during onboarding—tailored for checking, savings, loans, or deposit switch. Capture interest at the highest point of engagement.

AI Relationship Growth Agent (AIR)

Transform Risk into Growth Across Your Member Portfolio

⏱ Timeline: 5 business days to turn on

Most members and customers have one product. 74% may be ready to leave. The AI Relationship Growth Agent helps you transform that risk into growth by offering the next best financial step—tailored to each member.

Increase member lifetime value by growing deposits, loan balances, and trust. Reduce churn through relevance and engagement—running securely in a sandbox with no integration required.

Cotribute Digital Account Origination (DAO)

From consumers to businesses, drive deposits and loans with an AI-powered entryway for digital account origination. Complete account openings in under 2 minutes with ~98% automation of manual steps.

Deposit & Membership Growth

Accelerate member and customer growth with streamlined onboarding that delivers 60% higher conversions and 5x faster acquisition rates.

Consumer Account Opening (CAO)

An instant solution to growing your membership and increasing deposits from new members with fully automated KYC and fraud checks.

  • High value, stable deposits from other institutions
  • Fully automated Fintech funding experience
  • Fully automated KYC and Fraud Checks
  • Can be live in < 30 days
  • Works with your existing Core system
  • Member onboarding and instant deposits
  • Deep analytics on acquisition & onboarding

Business Account Opening (BAO)

Instant solution for growing small business accounts with support for multiple corporate structures and automated document generation.

  • High value, large deposits from other institutions
  • Out-of-the-box templates for multiple corporate structures
  • Fully automated document generation and e-Signatures
  • Automated follow-ups and document collection
  • Business KYB and Secretary of State checks
  • Can be live in < 30 days

SEG & Community Engagement (SCE)

Specialized engagement tools for Select Employee Groups and community-based membership growth programs.

  • SEG-specific onboarding flows
  • Community engagement campaigns
  • Embedded financial product onboarding
  • Co-branding and white-label options
  • New channel growth capabilities

Loan Growth Products

Modern lending experiences from application to funding. Support over 45 financial products with intuitive, API-enabled workflows on any device.

Consumer Loan Application (CLA)

Modern lending experience from application to funding with instant approval, income verification, and automated document collection.

  • Payment calculations and loan application
  • Instant approval with automated decisioning
  • Documents and e-signatures
  • Automated Fraud/OFAC checks
  • Income verification integration
  • LOS/Ecosystem Integration
  • Deep Analytics

Business Loan Application (BLA)

Streamlined business lending with support for commercial loans, lines of credit, and business credit cards.

  • Commercial and small business loans
  • Business lines of credit
  • Business credit cards
  • Automated document collection
  • Business income verification
  • Multi-signer support
  • Core system integration

Operational Efficiency Products

Drive operational excellence by automating 89.5% of decision-making. Detect fraud proactively with real-time KYC/KYB checks and reduce drop-offs by 60%.

Decision Intelligence Plus+

Configurable back office functionality for automated decisioning with high performance thresholds and touchless application processing.

  • Automated Vetting for Deposit and Loan Applicants
  • 80%+ accuracy threshold for auto-approved loans
  • Reduces incomplete applications by ~60%
  • Reduces manual onboarding steps by ~98%
  • Touchless application processing
  • Configurable decision rules

Fraud Guard Plus+

Prevent fraud with smart checks and triaging. Reduce manual work and ensure compliance by automating customer identification and due diligence.

  • Geolocation (IP) risk analysis
  • Device fingerprinting and velocity metrics
  • Email, phone, and SSN blacklist checks
  • Identity fraud and synthetic fraud scoring
  • ID document verification and liveness check
  • OFAC SDN and consolidated list screening
  • PEP Tiers 1–4 checks

Business Guard Plus+

Advanced fraud detection and KYB checks specifically designed for business account applications and commercial lending.

  • Business identity verification
  • Secretary of State validation
  • Beneficial owner verification
  • Business fraud scoring
  • Commercial watchlist screening
  • Automated CDD/EDD compliance
  • Business document verification

Enterprise Guard Plus+

Enterprise-level security features including whitelisting and site-to-site VPN for maximum protection and compliance.

  • IP whitelisting capabilities
  • Site-to-site VPN connectivity
  • Enhanced security protocols
  • Enterprise compliance controls
  • Advanced access management
  • Audit logging and reporting

See Real Results from Financial Institutions Like Yours

Discover how credit unions and banks are achieving 1,952% membership growth, 97.6% touchless applications, and transformative operational efficiency with Cotribute.

Review Case Studies & Outcomes →