Business expert agents. Ready to get to work. Day one.

Solutions / SAIL for Banking & Payments

Every payment repaired.
Every status known.
Every release authorised.

From instruction to settlement to statement.

ISO 20022 migration, repair, status, reconciliation and sanctions hand-off. SAIL is the orchestration and integration layer around your payment rails, core banking and screening engines, not a replacement for them. It keeps full lineage for every payment and enforces dual control on every release, with zero AI in the payment path.

Book a demo →See it resolve

Everyone has AI. So do we.

Shave months off the build.
Activate SAIL on day one.

No replacement. No migration project. No pre-cleaning.

Every rail connected.

Core banking, licensed rails, corporate channels, screening engines and treasury, kept as they are.

Every payment traced.

Instruction, status, settlement and statement linked by end-to-end ID, with full lineage.

Every rule monitored.

Message validation, cut-offs, limits, duplicates and structured data, checked before release.

Every exception resolved.

Repair what verified data proves. Dual control for releases. Specialists for screening hits.

Who’s using SAIL

Everyone has AI. So do we.

You have AI. We have AI.
Who builds the better banking and payments product?

The models are the same for everyone. Everyone has agents. What matters is what those agents know. Every SAIL agent carries 14 years of solved banking and payments problems, so AI builds a product shaped to your business outcome, not a generic one.

Everyone has agents. Ours are battle-tested banking and payments SMEs. Skip months of rebuilding what they already know.

The latest AI modelsEveryone

Agent frameworks & toolingEveryone

14 years solving banking and payments, in productionOnly SAIL

A product built for your business outcomeLive in days

What our banking and payments agents already know

pain.001 / pain.002pacs.008 / pacs.009pacs.002 / pacs.004camt.053 / camt.054camt.056 / camt.029SWIFT CBPR+MT103 / MT202MT940 / MT950MT ↔ MX translationCorrespondent bankingSEPA SCT / SDDACHFedwire / CHIPSRTP / FedNowBACS / CHAPSOpen Banking / PSD2 APIsHost-to-host / SFTPREST / SOAPMessage queuesCorporate portal

Always the perfect fit

A wrapper around your systems.
Whatever they look like.

However fragmented your landscape, wherever it runs and however old or new the technology, SAIL connects to it as it is. It becomes a perfect-fit wrapper around your systems, then switches on every banking and payments value-add service, AI-powered analytics and efficiency tool, instantly and on top of what you already run.

~~Data cleansing~~Not required
~~Migration or replacement~~Not required
~~IT work on your side~~Not required
The whole, delivered the way you need itDay one

Activated instantly for banking and payments

Migrate & mapInitiate & orchestrateRepair & exceptionsScreening hand-offReconcile & report

SAIL · the perfect-fit layer

ConnectContextualiseRulesObserveResolve

Your systems, exactly as they are

Corporate clientsCore bankingPayment railsCorrespondent banksScreening & fraudTreasury & operations

Old · new · internal · external · every partner

↓ Delivered as one whole that suits your need: applications · partners · teams · AI

14+Years in production

1B+Production transaction volumes

99.99%Uptime SLA

24×7Support included

Connect instantly across

Your whole network.
Systems stay in place.

SAIL links every participant’s data to the process it serves, in the format and protocol each one already uses.

Corporate clients

Payment files · portals · host-to-host

Core banking

Accounts · postings · balances

Payment rails

High-value · instant · ACH · cross-border

Correspondent banks

Nostro · vostro · CBPR+ messages

Screening & fraud

Sanctions · AML · fraud engines

Treasury & operations

Approvals · liquidity · reconciliation

From instruction to settlement to statement.

Every payment workflow, around your rails.

A few high-impact places to start. Each runs on the same connected data, rules and resolution cycle.

Migrate & map

Move to ISO 20022 without breaking what works.

Translate MT and MXMT to MX and back, with data that would be lost in translation flagged.

Remediate structured dataStructured party, address and remittance data, built from verified records.

Validate before the railSchema, market practice and rail-specific rules, checked before release.

Run old and new side by sideLegacy and ISO 20022 flows run in parallel, with no change for downstream systems.

Initiate & orchestrate

Every instruction on the right rail.

Accept any corporate formatpain.001, legacy files, portal and API instructions in one canonical payment.

Route by policyRail, cut-off, currency and priority rules, published and versioned.

Enforce dual controlApproval limits and segregation of duties on every release.

Report status to clientspain.002 status reports and a status portal clients can check themselves.

Repair & exceptions

Repair queues that empty.

Group failures by causeRejections and returns clustered by reason code, rail and counterparty.

Repair from verified dataMissing BICs, unstructured addresses and truncated remittance, fixed from records of truth.

Handle investigationsRecalls, returns and enquiries tracked from request to resolution.

Prevent duplicate paymentsIdempotent replay: one instruction, one payment.

Screening hand-off

Screening stays with the experts.

Hand off to your enginesPayments sent to your sanctions, AML and fraud engines, with responses captured.

Route hits to investigatorsEvery potential match goes to an authorised analyst with the full payment context.

Track every decisionRelease, reject or escalate, recorded with who decided, when and why.

Keep audit-ready lineageEvidence for every alert, from first screen to final decision.

Reconcile & report

Every entry matched. Every break owned.

Reconcile statementscamt.053, camt.054 and MT940 matched to payments and postings.

Manage nostro breaksBreaks aged, assigned and resolved with the evidence attached.

Enrich remittanceStructured remittance linked to invoices for faster cash application.

Monitor liquidity and cut-offsQueued values, cut-off risk and settlement status in one view.

Control tower

See what failed. See why.
See what was fixed.

One view joins failure groups, governed actions, holds and backend verification. Every record is accounted for.

SAIL CONTROL TOWERBanking & Payments

Payment repair queue · 1,000 instructions

Live

1,000Instructions received

810Straight-through

130Repaired & released

60Held for decision

Scope	Failure detected	Action	Outcome
Cross-border · 60	Unstructured postal address	Structure from verified party record	60 released
Domestic · 40	Missing or invalid BIC	Bank directory lookup	40 released
Remittance · 30	Truncated remittance data	Enrich from invoice reference	30 released
Treasury · 35	Above limit / suspected duplicate	Dual-control approval	35 held
Screening · 25	Potential sanctions match	Hand-off to investigator	25 held

Original retained→Cause identified→Correction staged→Revalidated→Backend verified

Illustrative data. Your rules, approval policy and systems define the actual outcomes.

Clear the repair queue without losing control.

Before

190 failed instructions spread across channels and queues
Reason codes nobody can act on
A resubmitted payment that might go out twice

With SAIL

940 released under policy, 60 held with named owners
Every repair linked to its source record and approver
One instruction, one payment, full lineage

01CaptureLoad 1,000 instructions and preserve every original.

02ExplainGroup 190 failures by reason code, rail and counterparty.

03RepairFix 130 from verified records and hold 60 for decision.

04ProveReleased once, settlement confirmed and every entry reconciled.

Exception handling

Auto-correct. Hybrid. Manual.
You define the cycle.

Recovery closes only with backend evidence. AI proposes. Your policy authorises.

Auto-correct

When the fix can be proven from an authoritative source (a lookup, a master record, an approved mapping), SAIL corrects it, revalidates it and releases it. No touch, full evidence.

For exampleAn unstructured creditor address is rebuilt from the verified party record, revalidated against the rail rules and released under policy: 60 of 60.

Hybrid

SAIL stages the correction with the evidence. Your team approves it in one step, for a single record or a whole cohort.

For exampleA suspected duplicate is staged next to the original payment. An authorised approver confirms or rejects it under dual control before anything moves.

Manual

When judgement is needed, the record is held, owned and routed to the right expert with its cause, impact and SLA clock. Nothing is invented.

For exampleA potential sanctions match goes to an authorised investigator with the full payment context. SAIL never clears a hit and never releases a payment without authority.

Detect→Explain→Act→Revalidate→Verify

Continuous observability

Observe every step.
Measure every outcome.

Your data. Your rules. Your process. Your exceptions. Your recovery specifications.

Data elements

Party, account, BIC, address and remittance quality

Business objects

Instruction, payment, settlement and statement integrity

Policy rules

Limits, cut-offs, routing and dual-control outcomes

Process SLAs

Cut-off risk, status latency and investigation age

Exceptions

Reason code, owner, approver, age and recurrence

Verified recovery

Status checked before replay; one payment per instruction

Coverage

Broad connectivity.
Precise process context.

Standards, technologies, entities and workflows, natively supported and configured to your environment.

ISO 20022 messages

pain.001 / pain.002pacs.008 / pacs.009pacs.002 / pacs.004camt.053 / camt.054camt.056 / camt.029

Cross-border

SWIFT CBPR+MT103 / MT202MT940 / MT950MT ↔ MX translationCorrespondent banking

Domestic & instant rails

SEPA SCT / SDDACHFedwire / CHIPSRTP / FedNowBACS / CHAPS

Channels & technology

Open Banking / PSD2 APIsHost-to-host / SFTPREST / SOAPMessage queuesCorporate portal

Operations

Payment repairInvestigations & recallsMandate managementNostro reconciliationRemittance enrichmentTreasury approvals

Governance

Dual controlSegregation of dutiesSanctions / AML hand-offDuplicate preventionPayment lineageAudit evidence

Prove it

Bring your hardest cases.

We run these against your own data. Each has one correct answer, and SAIL gets it the same way every time.

Rail timeout

The rail accepts the payment but the acknowledgement is lost.

Status queried first; exactly one payment.

Mixed queue

1,000 instructions: 810 clean, 130 repairable, 60 for decision.

940 released + 60 held = 1,000.

Sanctions hit

The screening engine flags a possible name match.

Held for an investigator; never cleared automatically.

MT to MX truncation

A legacy message would lose remittance data in translation.

Flagged and routed; no data silently dropped.