Bank 5.0 Platform

RevoAI Bank 5.0 is an AI-driven financing platform that turns verified human capital—skills, productivity, and reputation—into safe, asset-backed credit. We connect regulated lenders, enterprises, and government programs through compliant rails that embed KYC/AML, transfer-restricted instruments, and program-level risk controls. Borrowers are assessed on capability signals rather than legacy FICO-style proxies, unlocking fairer access and better unit economics. Institutions gain configurable underwriting, servicing, and reporting while preserving regulatory boundaries. The result is real-economy credit that flows faster, at lower default risk, with transparent incentives for every participant.

Aptitude Catalyst (Underwriting)

Aptitude Catalyst is our underwriting engine that quantifies verified skills, work signals, and productivity into credit pricing and limits. It ingests trusted data from training providers, platforms, HRIS/ERP, and verified identity sources to build explainable scores and segment-specific policies. Lenders can simulate scenarios, set guardrails, and continuously learn from cohort performance. Catalyst complements traditional financial data rather than replacing it, improving eligibility without relaxing standards. It delivers consistent, auditable decisions; integrates with your LOS/LMS; and supports rapid A/B testing for new products and geographies.

RVAI Security-Token Rails

RVAI provides compliant, transfer-restricted token rails that align stakeholders while respecting regulation. Whitelisted wallets, KYC/AML onboarding, and jurisdictional controls ensure distributions and secondary movements occur only within permitted venues or bilateral compliant transfers. RVAI can represent program incentives, fee flows, and controlled risk-sharing constructs—without implying public solicitation. Issuer-level permissions, custody/transfer-agent integrations, and event-driven hooks make it practical for regulated institutions. The rails focus on transparency, auditability, and predictable settlement—so finance teams and regulators can trust every step.

CAP 100× Safety Framework

CAP 100× is a program-level safety framework designed to cushion eligible participants from defined downside scenarios using pre-specified triggers and oracle-verified events. It does not promise returns; it structures risk boundaries up front, so counterparties can adopt innovative credit products with confidence. Activation logic, limits, counterparties, and calculations are documented in formal risk materials and can be tailored per jurisdiction. CAP integrates with underwriting, servicing, and compliance so that protection rules are enforced automatically, monitored continuously, and reported transparently to stakeholders.

Institutional Pilot Programs

We co-build tightly scoped pilots with banks, agencies, and platform aggregators to validate underwriting signals, compliance flows, and distribution economics. Each pilot includes clear success criteria, sandbox and data integrations, limited-scope cohorts, and go-live timelines. We handle solution design, secure data ingestion, staff enablement, and post-launch monitoring. The goal is to progress from proof-of-concept to production quickly—demonstrating measurable uplift in eligibility and repayment performance while satisfying regulator expectations. Successful pilots graduate into scaled programs with repeatable playbooks.

Partner APIs & SDKs

Embed RevoAI capabilities directly into your apps. Our APIs and SDKs expose identity/KYC, Aptitude Catalyst scoring, eligibility checks, pricing, issuance, settlement hooks, and CAP safety controls. Partners can orchestrate end-to-end flows—onboarding to disbursement to servicing—while keeping UX native. Webhooks, policy templates, and sandbox environments speed integration. Strong auth, rate-limiting, and audit logs protect operations. Build new credit products, enhance existing ones, or power government and workforce initiatives with minimal lift and maximal compliance.

Compliance & Licensing Ops

We operationalize regulation: KYC/AML stacks, sanction screening, transfer restrictions, issuer/custody coordination, and jurisdictional opinions. Our playbooks align product design with local rules, preserve separation of regulated and unregulated functions, and document oversight. We work with counsel and regulated partners to ensure offerings, disclosures, and flows are fit for purpose. The objective is predictable reviews, clean audits, safer cross-border expansion, and accelerated approvals—so innovation moves at the pace of compliance, not despite it.

Data & Oracle Layer

Our data and oracle layer ingests verified sources—education, workforce, platform activity, payments—then standardizes, signs, and scores them for underwriting and monitoring. Event oracles publish trusted signals that can trigger CAP safety actions, adjust pricing, or update eligibility in real time. Privacy-preserving design, granular consent, and lineage tracking ensure integrity from origin to decision. Institutions benefit from clearer risk views; borrowers benefit from recognition of real capability rather than blunt historical proxies.

Program Administration

Operate regulated credit programs with confidence: origination workflows, servicing, collections policies, reconciliation, and board-grade reporting. Admin consoles provide portfolio health, cohort analytics, compliance alerts, audit trails, and automated notices. Configure roles, approvals, and exception handling to match your governance. Integrations with core banking, wallets, and accounting systems keep data consistent and close books faster. Administration is where innovation becomes routine, documented, and scalable.

Research & Risk Analytics

We provide quantitative insights and policy experimentation for safer growth. Stress tests, cohort performance, counterfactual analysis, and sensitivity studies help teams tune pricing, limits, and CAP parameters. Dashboards explain model drivers; governance packs support committees and regulators. Our goal is pragmatic science: clear evidence to raise eligibility where warranted, tighten where needed, and compound improvements over time—so underwriting stays both fair and resilient as markets evolve.