Cotribute MCP exposes structured tools so any AI agent can originate deposit, loan, insurance, and investment products at credit unions and banks — through the regulated financial institution, with compliance built in at every step.
Cotribute MCP isn't a BaaS play. It's an AI-callable interface that lets agents trigger real origination workflows at credit unions and community banks, with the financial institution remaining the regulated entity at every step.
Structured JSON tools callable by Claude, GPT, LangGraph, CrewAI, and any MCP-compatible agent. Works across credit unions and banks — no custom SDKs or bespoke integration per workflow.
The financial institution — whether credit union or bank — signs every account. KYC, OFAC, BSA/AML, Reg B, and CRA obligations stay with the FI, not Cotribute, not the agent builder.
25+ production integrations across core banking, LOS, digital banking, fraud, payments, and compliance. Connect what your FI already has — replace nothing.
Every integration shown here is in production with Cotribute customers today. No pilots, no promises — these are live connections the MCP server can call on day one.
Every tool call travels a defined accountability chain. The FI compliance layer is structurally required before any core system write occurs — at credit unions and banks alike.
From basic checking to Roth IRAs, from auto loans to business lines of credit — the same MCP server exposes the full product breadth your FI already offers, whether you're a credit union or a community bank.
No BaaS risk. No sponsor bank model. Every origination action flows through the financial institution's own charter — whether that's an NCUA-supervised credit union or an FDIC/OCC-supervised bank — with a full examiner-ready audit trail.
Every tool is typed, versioned, and returns structured JSON with compliance metadata. No raw API calls. No undocumented side effects. Works identically at credit unions and banks.
Three distinct deployment patterns at credit unions and banks — each with an honest assessment of where they are today.
A credit union or community bank deploys Claude as an internal copilot for frontline staff. The agent looks up member/customer eligibility, opens accounts, and submits loan applications across all product types — without staff navigating multiple systems.
Cotribute's AIA (acquisition) and AIC (cross-sell) agents use MCP tools to execute campaigns — scanning account holder data, triggering pre-qualification, and opening accounts without human touch when conditions are met.
Financial institutions with Select Employee Group or direct employer relationships embed a Cotribute-powered agent in HR portals. New hires open accounts at onboarding — using existing legal frameworks, no new regulatory ground broken.
External agent builders — fintechs, HR platforms, wealth apps — call Cotribute MCP tools against a network of participating FIs. Requires FI network effect, TPRM frameworks, and regulator guidance on agent-initiated origination across both bank and credit union charters.
We're selecting a small cohort of forward-thinking credit unions and community banks to co-develop the Cotribute MCP standard. You get early access, direct input on the tool spec, and a seat at the table.
Applications reviewed within 5 business days · Credit unions and community banks welcome