# Tuvel

> Tuvel is an agentic banking platform for banks, NBFCs, wealth managers, insurers and fintechs: AI agents for every desk and a money advisor for every customer, under one control plane, in the bank’s own private copy.

Being deployed with a Fortune 500 US bank and one of India’s three largest banks.

Tuvel has six products on one platform: Tuvel Advisor (a customer money advisor in the bank's app, by voice or text, in English and ten Indian languages through Sarvam plus several international languages), Tuvel Agent Card (a prepaid card only the advisor pays from, loaded by the customer, with limits, controls and a one-tap freeze), Tuvel Agent Teams (99 staff agents across 14 desks), Tuvel Rooms (staff and agents working a case together), Tuvel Control Plane (per-agent levels, budgets, approvals, guardrails, model routing, a kill switch and action-level audit) and Tuvel Launch (new front doors on the same agents, under the bank's brand). Each bank gets its own private copy. Agents read documents and the bank's knowledge base, draft and propose; people approve decisions on cards. The customer advisor acts within two keys: the level the customer chooses and the ceiling and caps the bank sets.

Banks can build their own agents in plain English in the console: the builder clarifies, drafts the agent and grants only the tools listed for it, and a bank admin puts it live through sandbox, staging and live with automated checks (https://tuvel.co/agents/#builder). Systems connect through OpenAPI or MCP import, over mutual TLS, signed requests or OAuth, from one fixed outbound IP, with an on-premises relay so agents reach internal systems without inbound ports; where a core banking vendor offers MCP skills, Tuvel can use them (https://tuvel.co/integrations/). The controls are mapped line by line to RBI's rules and to US, UK and EU rules (SR 11-7, OCC 2011-12, NIST AI RMF, ECOA and Regulation B, Regulation E, UDAAP, UK Consumer Duty, PRA SS1/23, EU AI Act), each designed to support the rule (https://tuvel.co/responsible-ai/). In India, the two keys and the levels work as Know Your Agent: agent identity, consent and limits (https://tuvel.co/india/#know-your-agent).

Pricing: Tuvel is priced for each bank. The price is shaped around the desks, front doors and volumes in scope, agreed after a walkthrough and set out in your pilot plan. (https://tuvel.co/pilot/#pricing)

Tuvel is a product of PWIN Technologies Pvt Ltd, built on the Nagent platform. Book a 30-minute walkthrough at https://tuvel.co/contact/ or write to demo@tuvel.co. Pick a time directly: https://calendar.app.google/PaykH1EpdtJRDeyDA. Live demo: https://demo.tuvel.co. General enquiries: hello@tuvel.co.

## Innovations
What makes Tuvel different (https://tuvel.co/why-tuvel/). All three are available now, in each bank's private copy.
- [Multiplayer AI](https://tuvel.co/why-tuvel/#multiplayer): People and agents work in the same room, on the same case and the same record. A lead agent hands work to specialists, and your staff approve on cards. Product page: [Tuvel Rooms](https://tuvel.co/rooms/).
- [Earned autonomy](https://tuvel.co/why-tuvel/#earned-autonomy): Every agent holds a level and a results score from its own record. It earns wider autonomy level by level, a person decides each step up, and a nightly check drops a level when the work slips. Product page: [Earned autonomy in the Control Plane](https://tuvel.co/control/#earned-autonomy).
- [The Control Plane](https://tuvel.co/why-tuvel/#control-plane): One place where every agent’s authority is set, watched and recorded: levels, budgets, guardrails, a kill switch on every agent and every action on the record. Product page: [Tuvel Control Plane](https://tuvel.co/control/).

Underneath all three:
- Learning from your rulings: When your people approve, correct or turn down an agent’s work, the reason is kept, and rulings become playbooks the agents follow next time.
- Institutional memory: Decisions, files and reasons stay with the bank, so agents keep the context across cases, desks and people.
- Your rules first: Agents apply your bank’s own rulebook from its knowledge base first, with the regulation as the floor, and cite the rule they used.

## Labels used on this site
- Available now: In the product today.
- Per deployment: Set up for each bank as part of its pilot.
- On the roadmap: Being built.

## Products
- [Tuvel Advisor](https://tuvel.co/advisor/): The customer front door: a money advisor in your app, by voice or text, acting within limits the customer and your bank set.
- [Tuvel Agent Card](https://tuvel.co/agent-card/): A prepaid card only the advisor pays from, so known bills and merchants get paid within limits, never from savings.
- [Tuvel Agent Teams](https://tuvel.co/agents/): 99 agents across 14 desks, from lending and KYC to compliance and legal, working as departments with a lead agent.
- [Tuvel Rooms](https://tuvel.co/rooms/): Staff and agents work a case together in one room, with meetings and approval cards.
- [Tuvel Control Plane](https://tuvel.co/control/): Levels, limits, budgets, approvals, model routing, a kill switch and a full record, for every agent.
- [Tuvel Launch](https://tuvel.co/platform/#launch): New front doors on the same agents, under your brand.

## Solutions by desk
- [Lending: retail, MSME and corporate credit](https://tuvel.co/solutions/lending/)
- [Wealth management, corporate coverage and treasury](https://tuvel.co/solutions/wealth-treasury/)
- [Compliance](https://tuvel.co/solutions/compliance/)
- [Fraud, disputes and financial crime](https://tuvel.co/solutions/fraud-kyc/)
- [KYC and customer onboarding](https://tuvel.co/solutions/kyc-onboarding/)
- [Trade finance and transaction banking](https://tuvel.co/solutions/trade-payments/)
- [Retail service](https://tuvel.co/solutions/service/)
- [Collections](https://tuvel.co/solutions/collections/)
- [Legal contract review and bids](https://tuvel.co/solutions/legal-bids/)

## Who it is for
- [Tuvel for retail and commercial banks](https://tuvel.co/for/banks/)
- [Tuvel for NBFCs and lenders](https://tuvel.co/for/nbfcs/)
- [Tuvel for wealth managers and private banks](https://tuvel.co/for/wealth/)
- [Tuvel for insurers](https://tuvel.co/for/insurers/)
- [Tuvel for fintechs](https://tuvel.co/for/fintechs/)
- [India](https://tuvel.co/india/)
- [Global](https://tuvel.co/global/)

## Key pages
- [Platform](https://tuvel.co/platform/), [Deployment](https://tuvel.co/deployment/), [Integrations](https://tuvel.co/integrations/), [Pilot](https://tuvel.co/pilot/)
- [What's available](https://tuvel.co/built/), [Security & trust](https://tuvel.co/security/), [Responsible AI](https://tuvel.co/responsible-ai/)
- [Questions](https://tuvel.co/faq/), [Resources](https://tuvel.co/resources/), [About](https://tuvel.co/about/), [Whitepaper](https://tuvel.co/whitepaper/)

## Journal
- [Earned autonomy for bank AI agents: how an agent earns the right to act](https://tuvel.co/blog/earned-autonomy-for-bank-ai-agents/) (2026-11-08): What earned autonomy means for AI agents in a bank: a level per agent, a results score from its own record, a nightly check that drops a level when work slips, nomination for a step up that a person decides, and two keys for customers.
- [What is agentic banking?](https://tuvel.co/blog/what-is-agentic-banking/) (2026-11-08): Agentic banking means AI agents that do work inside a bank, under limits and approvals the bank sets. A definition, where agents work, and the controls that make them safe.
- [Agentic AI platforms for banks in 2026: a buyer’s list](https://tuvel.co/blog/agentic-ai-platforms-for-banks-2026/) (2026-11-08): The agentic AI platforms banks are evaluating in 2026, from Backbase, Oracle, nCino and Fiserv to Kore.ai, specialists and Indian players, described from their own announcements.
- [AI agents for loan origination and credit memos](https://tuvel.co/blog/ai-agents-for-loan-origination-and-credit-memos/) (2026-11-08): How AI agents prepare loan files, appraisal notes and credit memos for retail, MSME and corporate lending, and the decisions that stay with credit officers.
- [How banks govern AI agents: autonomy levels, budgets, approvals and audit](https://tuvel.co/blog/how-banks-govern-ai-agents/) (2026-11-08): The control layer banks use to govern AI agents: autonomy levels, budgets, named approvers, guardrails, a kill switch, model routing and a replayable record, with a checklist for risk teams.
- [AI agents for KYC, fraud and dispute operations](https://tuvel.co/blog/ai-agents-for-kyc-fraud-and-disputes/) (2026-11-08): How AI agents assemble chargeback files, fraud investigations, mule-account triage, KYC and onboarding files, KYC refresh and AML alerts, and the decisions that stay with people.
- [AI money advisors for bank customers: what to look for](https://tuvel.co/blog/ai-money-advisors-for-bank-customers/) (2026-11-08): Six things to check in an AI money advisor for your customers: advise or act, who sets the limits, how payments are confirmed, what reaches the model, languages, and the record.
- [Agentic AI in Indian banking: RBI, DPDP and the consent layer](https://tuvel.co/blog/agentic-ai-in-indian-banking-rbi-dpdp/) (2026-11-08): How RBI’s FREE-AI framework, the 2025 Authentication Directions, e-mandates, Account Aggregator and the DPDP Act shape AI agents in Indian banks, and the controls that map to each.
- [Agents vs chatbots vs RPA in banking](https://tuvel.co/blog/ai-agents-vs-chatbots-vs-rpa-in-banking/) (2026-11-08): Chatbots answer, RPA repeats fixed steps, and AI agents work toward a goal. Which banking jobs suit each one, and the controls agents need.
- [An agent card: a way for an AI advisor to pay small bills](https://tuvel.co/blog/agent-card-proposal/) (2026-11-08): Why we propose a prepaid card only the advisor pays from, the limits it carries, and how it sits under the two keys.
- [Why a spoken yes never moves money](https://tuvel.co/blog/why-a-spoken-yes-never-moves-money/) (2026-11-08): Voice makes an AI money advisor easy to talk to. It also makes it easy to mishear. How Tuvel binds every confirmation to one tap, one amount and one payee.
- [Two keys: how a bank and its customer share control of an AI money advisor](https://tuvel.co/blog/two-keys-for-an-ai-money-advisor/) (2026-11-08): The customer chooses a level from 1 to 5. The bank sets a ceiling per segment and caps per payment and per day. How the two keys decide what an AI advisor may do alone.

## Optional
- [Full text of this site for language models](https://tuvel.co/llms-full.txt)
- [Journal RSS feed](https://tuvel.co/blog/feed.xml)
- [Sitemap](https://tuvel.co/sitemap.xml)