# FlowX.AI > FlowX.AI is an enterprise platform for building and running AI agents in regulated industries (banking, insurance, logistics). It wraps existing core systems in a deterministic, auditable multi-agent orchestration layer so institutions modernize workflows in weeks without rip-and-replace: 220+ production-ready agents, a visual Agent Builder, an observability and governance plane, open-weight models, and a published research series. Every page on this site is also available as Markdown: append `.md` to its URL, or request it with `Accept: text/markdown`. The Markdown carries YAML front matter (title, description, url) and this directive. ## Key pages - [Home](https://www.flowx.ai/): FlowX.AI: the multi-agent AI platform for banking, insurance and logistics modernization. - [AI agents catalog](https://www.flowx.ai/ai-agents): Browse 220+ enterprise-ready FlowX AI agents for banking, insurance and logistics. Filter by industry and deploy effort, search by outcome, and see the problem each agent solves, the KPIs it moves… - [Agent stacks](https://www.flowx.ai/ai-agent-stacks): Pre-composed stacks of FlowX AI agents for banking, insurance and logistics — each stack bundles the agents that automate one value stream end-to-end… - [ROI calculator](https://www.flowx.ai/roi-calculator): Estimate the annual cost savings and FTE capacity a stack of FlowX AI agents frees for your business. Pick an industry and use case, set volume and FTE cost, choose agents — see the ROI. - [Open models](https://www.flowx.ai/models): FlowX.AI open-weight models on Hugging Face: small, on-device scam detection, PII redaction, risky-clause flagging, escalation gating and ontology extraction — benchmarked against frontier models… - [Research papers](https://www.flowx.ai/research): The FlowX.AI technical-paper series: evidence-graded ROI (VERA), agent self-adaptation (ORNA), zero hallucination by construction (HALO), runtime governance (GAVEL)… - [Blog](https://www.flowx.ai/blog): Field notes on agentic AI, governance, and integration from the team building it — deep-dives, use-case stories, and the FlowX.AI release series. - [Knowledge Hub](https://www.flowx.ai/hub): The FlowX.AI Knowledge Hub: expert guides, product deep-dives, and answers to your questions — wrapping legacy banking cores with AI agents, modernization without rip-and-replace. - [Customers](https://www.flowx.ai/customers): The banks, insurers and delivery partners running critical customer and operations journeys on FlowX.AI — BNP Paribas, UniCredit, OTP Bank, Banca Transilvania, State Street, Legal & General… - [About](https://www.flowx.ai/about): FlowX.AI — more than a decade of research and development in AI for mission-critical systems. Our mission, leadership, timeline, and offices. ## Platform - [Platform overview](https://www.flowx.ai/platform): What the FlowX.AI platform is, in plain terms: one place to design, run, integrate and govern AI-driven customer and operations journeys — on top of the core systems you already have. - [Agent Builder](https://www.flowx.ai/agent-builder): Agent Builder is FlowX.AI's visual workflow engine. Draw an agent as typed nodes and edges; it compiles to a deterministic state machine you can audit, resume, and run in production. - [FlowX Code](https://www.flowx.ai/flowx-code): FlowX Code is a build copilot for regulated platforms. Describe a resource in one sentence; it drafts a contract-validated platform artifact — grounded in your live project… - [Observatory](https://www.flowx.ai/observatory): Observatory is FlowX.AI's observability and governance plane. GAVEL enforces policy on live agent telemetry, harvests compliance evidence from every trace… - [Ontology Layer](https://www.flowx.ai/platform/ontology): The FlowX.AI Ontology Layer is one shared model of how your business is organized — the connective structure agents reason over, and, uniquely, memory they can safely improve with every run. - [Integrations](https://www.flowx.ai/platform/integrations): How FlowX.AI connects to the systems you already run — core banking, databases, REST APIs, files, email, AI tools and webhooks — so they work together inside your journeys, without a rip-and-replace. - [Deployment](https://www.flowx.ai/platform/deployment): One containerized, Kubernetes-native platform, deployed where your data must live: FlowX.AI-managed SaaS, your own cloud (EKS/AKS/GKE), hybrid control-plane/data-plane, self-hosted on OpenShift… - [Security & Compliance](https://www.flowx.ai/platform/security): Compliance built into the platform, not bolted on: OIDC/SSO, RBAC and tenant isolation, encryption with customer keys and mTLS, full audit trails, ISO 27001 certification… - [ROI Hub](https://www.flowx.ai/platform/roi-hub): The ROI Hub is the financial-justification surface of the FlowX.AI Observatory: it measures what production agents actually return, computes value across three reconciled dimensions… - [Platform status](https://www.flowx.ai/platform/status): Live operational status of the FlowX.AI platform, API and integrations across the US and EU regions, with 90-day uptime and incident history. ## Industries and use cases - [Banking](https://www.flowx.ai/banking): FlowX.AI banking agents on the lending journey — onboarding & KYC, underwriting, and financial insights, for retail, commercial, and risk & compliance teams. - [Insurance](https://www.flowx.ai/insurance): FlowX.AI insurance agents on the claims journey — underwriting, claims processing, and fraud detection, for carriers, brokers, and reinsurers. - [Logistics](https://www.flowx.ai/logistics): FlowX.AI logistics agents on the freight lifecycle — network optimization, load processing, and billing reconciliation, for carriers, 3PLs, brokers, forwarders, and shippers. - [Use cases](https://www.flowx.ai/use-cases): Production-ready FlowX AI agents grouped by the work they do: lending, onboarding, underwriting, claims, quoting, and track and trace. Open a use case to see its agents… - [Onboarding](https://www.flowx.ai/use-cases/onboarding): FlowX.AI onboarding agents for agentic KYC and KYB: guiding applicants through digital onboarding, collecting documents, running KYB and beneficial-ownership checks… - [Lending](https://www.flowx.ai/use-cases/lending): FlowX.AI lending agents across the origination journey: mortgage document intelligence, cash-loan straight-through processing, and corporate credit analysis. Agents extract and validate every field… - [Underwriting](https://www.flowx.ai/use-cases/underwriting): FlowX.AI underwriting agents pre-assess submissions, extract disclosures and financials, run risk, stress, and geo-exposure analysis, assign a risk tier… - [Claims](https://www.flowx.ai/use-cases/claims): FlowX.AI claims agents receive first notice of loss across any channel, extract incident data, match the claim to the right policy and vintage, triage by complexity… - [Quoting](https://www.flowx.ai/use-cases/quoting): FlowX.AI quoting agents read inbound spot and RFQ requests, pull lane pricing from the TMS, contracted rate cards, and historical quotes, apply margin and pricing rules… - [Track and trace](https://www.flowx.ai/use-cases/track-and-trace): FlowX.AI track and trace agents aggregate tracking data across carrier APIs and modes, predict ETAs, detect exceptions, and proactively notify customers of milestones and delays… ## Research papers - [VERA: Evidence-Graded ROI for Production Agents](https://www.flowx.ai/research/vera): Bringing counterfactual measurement, causal validation, and confidence-graded accounting to the business case for enterprise AI agents. PDF: https://www.flowx.ai/research/vera.pdf - [ORNA: Agent Self-Adaptation in Production](https://www.flowx.ai/research/orna-autotune): Closing the loop between observability, validation, and node-level refinement for LLM agents in regulated industries. PDF: https://www.flowx.ai/research/orna-autotune.pdf - [HALO: Zero Hallucination, by Construction](https://www.flowx.ai/research/halo): Why trustworthy enterprise AI is a property of the harness around the model, not of the model itself: grounding, multi-signal verification, calibrated abstention… PDF: https://www.flowx.ai/research/halo.pdf - [GAVEL: Governance That Runs Where the Agent Runs](https://www.flowx.ai/research/gavel): Why governing autonomous AI agents means enforcing policy and producing audit evidence at runtime, over the agent s own telemetry, rather than asserting compliance on paper. PDF: https://www.flowx.ai/research/gavel.pdf - [SIFT: A Classifier That Teaches Itself](https://www.flowx.ai/research/sift): A cost-tiered document classifier whose corpus grows from production traffic and whose autonomous retraining is made safe by a frozen evaluation gate. PDF: https://www.flowx.ai/research/sift.pdf - [RAILS: The Graph Is Deterministic, Even When the Nodes Are Not](https://www.flowx.ai/research/rails): How Agent Builder makes enterprise AI agents reliable by compiling visual workflows into deterministic state machines, in which the stochastic model is one bounded, typed node among many. PDF: https://www.flowx.ai/research/rails.pdf - [MNEMĒ: A Knowledge Graph Agents Can Write To, Safely](https://www.flowx.ai/research/mneme): MNEME, the FlowX.AI Ontology Layer: a provenance-tracked structured-memory graph that agents read, validate against, and contribute to, without corrupting the institutional source of truth. PDF: https://www.flowx.ai/research/mneme.pdf - [Research methodology](https://www.flowx.ai/research/methodology): How FlowX.AI builds and evaluates models: an LLM labels, humans review behind a full-review gate, deterministic classifiers (SPLADE + LightGBM) train into immutable versions… - [Safety and governance](https://www.flowx.ai/research/safety): AI-native safety for regulated work: a three-layer PII guard (input redaction, model isolation, output sanitization), defenses aligned to the OWASP Top 10 for LLMs, RAG grounding, human-in-the-loop… ## Open models - [OpenLedger](https://www.flowx.ai/models/openledger): Your Data. Your Model. Your Hardware. - [OpenCover](https://www.flowx.ai/models/opencover): Your Data. Your Model. Your Hardware. - [OpenFreight](https://www.flowx.ai/models/openfreight): Your Data. Your Model. Your Hardware. - [OpenVita](https://www.flowx.ai/models/openvita): Your Data. Your Model. Your Hardware. - [ScamGuard 1.7B (1.7B)](flowxai/scam-guard-qwen17b): On-device scam and fraud detector for SMS, email and chat (English + Romanian). Explains why a message is risky and routes to trusted verification — no network… Apache-2.0. - [ScamGuard 0.6B (0.6B)](flowxai/scam-guard-qwen06b): The phone-sized sibling of ScamGuard: the same on-device scam triage in 0.6B parameters, for the tightest edge budgets. Apache-2.0. - [CEE-PII (~300M)](flowxai/cee-pii): Small multilingual span-level PII detector weighted toward Central & Eastern European languages. Redacts before text leaves the perimeter or reaches an LLM — on… Apache-2.0. - [Caveat (4B)](flowxai/caveat): On-device model that spots and explains risky clauses in consumer contracts across 34 clause types (EN/RO/PL/HU) — privately, with no external APIs. Apache-2.0. - [Sentinel Gate (4B)](flowxai/sentinel-gate): An escalation gate for regulated decisions: decides which cases are safe to automate and which must route to a human… Apache-2.0. - [Semantic Mapper (4B)](flowxai/semantic-mapper): First-stage extraction for compliance pipelines: turns regulatory clauses into structured ontology JSON (structural… Apache-2.0. - [All FlowX.AI models on Hugging Face](https://huggingface.co/flowxai) ## Blog articles - [Intelligence + Continual Learning = Expertise](https://www.flowx.ai/blog/intelligence-plus-continual-learning-equals-expertise): 2026-09-08. Every vendor buys the same frontier models by the token, so raw intelligence is a commodity that resets to zero on every request. - [FlowX.AI Brings Mission-Critical Industry AI Agents to Gemini Enterprise](https://www.flowx.ai/blog/flowx-ai-brings-mission-critical-industry-ai-agents-to-gemini-enterprise): 2026-08-25. FlowX.AI is among the first partners bringing specialized industry agents to Gemini Enterprise… - [Override by Design: Human Control as a Core Architecture](https://www.flowx.ai/blog/override-by-design-human-control-as-a-core-architecture): 2026-08-18. Human-in-the-loop is not a default setting, it is a structural commitment. Genuine oversight in regulated agentic AI takes four integrated mechanisms… - [Compliance Didn't Block Agentic AI in Banking. It Built the Case](https://www.flowx.ai/blog/compliance-didnt-block-agentic-ai-in-banking-it-built-the-case): 2026-08-12. Compliance complexity isn't a reason to delay agentic AI in banking — it's the condition that makes the case for it, proven in production across KYC/AML… - [We built a calculator for the expected ROI of AI agents and agent stacks](https://www.flowx.ai/blog/we-built-a-calculator-to-show-you-the-expected-roi-for-a-selection-of-ai-agents-or-agent-stacks): 2026-07-03. Why measuring impact matters — and a way to project the return before you build. - [FlowX.AI 6 Release Summary](https://www.flowx.ai/blog/flowx-ai-6): 2026-06-29. The questions every enterprise is asking about their agentic AI roadmap — answered in one release: real use cases, measurable ROI… - [The Day Onboarding Stopped Being a Loop](https://www.flowx.ai/blog/the-day-onboarding-stopped-being-a-loop): 2026-05-25. Turning commercial onboarding from an endless back-and-forth into a single agentic flow. - [The Five Tests of Mission-Critical AI](https://www.flowx.ai/blog/the-five-tests-of-mission-critical-ai): 2026-04-28. Pragmatic standards for judging whether an AI system is ready for real, regulated work. - [NTT DATA and FlowX.AI partner to move agentic AI into mission-critical operations](https://www.flowx.ai/blog/ntt-data-and-flowx-ai-partner-to-move-agentic-ai-into-mission-critical-operations): 2026-04-14. Enterprise AI has a production problem. A platform built for production meets a transformation partner built for scale. - [The Control Deficit: Why AI Copilots Fail the Moment They Touch Real Work](https://www.flowx.ai/blog/the-control-deficit-why-ai-copilots-fail-the-moment-they-touch-real-work): 2026-04-01. The gap isn't intelligence. It's controllability: evidence, identity, oversight, and reliability under stress. - [Copilots Raise Productivity. Operating Models Create Outcomes](https://www.flowx.ai/blog/copilots-raise-productivity-operating-models-create-outcomes): 2026-03-04. Copilots alone are incomplete — outcomes need an operating model built around them. - [How a large European bank increased their daily underwriting cases throughput by 600%](https://www.flowx.ai/blog/how-a-large-european-bank-increased-their-daily-underwriting-cases-throughput-by-600): 2026-01-27. Corporate & SME underwriting turnaround cut from 2–6 weeks to under 7 days — throughput up from under 5 to 35+ cases a day, error rates down to under 3%. - [We already have Copilot — and why that’s not the same as mission-critical AI](https://www.flowx.ai/blog/we-already-have-copilot-and-why-thats-not-the-same-as-mission-critical-ai): 2026-01-27. Copilots raise productivity. Mission-critical AI is an operating model — five tests that separate AI you can demo from AI you can deploy. - [Your AI Strategy Is Only as Strong as Your Integration Layer](https://www.flowx.ai/blog/your-ai-strategy-is-only-as-strong-as-your-integration-layer): 2025-12-16. Where your AI gets its data decides how far your strategy can actually go. - [Engines vs. Railroads: Why AI Agents Stall in Regulated Value Streams](https://www.flowx.ai/blog/engines-vs-railroads-why-ai-agents-stall-in-enterprise-regulated-value-streams-and-how-to-make-them-work): 2025-09-15. The barrier isn't model capability — it's the rails the agents have to run on. - [Turn AI Potential into Production Reality with the Integration Designer](https://www.flowx.ai/blog/turn-ai-potential-into-production-reality-with-flowx-ai-s-integration-designer): 2025-08-12. Cutting the timeline from API spec to a live, production integration. - [Bridging the Operational Divide: What Banking Can Learn From Process-Heavy Industries](https://www.flowx.ai/blog/bridging-the-operational-divide-what-banking-can-learn-from-process-heavy-industries): 2025-07-14. Risk and compliance lessons banking can borrow from industries built on process. - [Your mainframe isn’t legacy — the way you are using it is](https://www.flowx.ai/blog/your-mainframe-is-not-legacy-the-way-you-are-using-is): 2025-07-03. Nick Donofrio (ex-IBM EVP of Innovation & Technology) on why the mainframe isn’t the bottleneck — the access pattern is. ## Knowledge Hub - [AI Banking Automation Platforms That Bridge Legacy Cores in 2026](https://www.flowx.ai/hub/ai-banking-automation-platforms-that-bridge-legacy-cores-in-2026): How leading banking automation platforms overlay AI agents on legacy cores without rip-and-replace: deterministic, auditable… - [Asset Manager Fund Platforms: Build vs. Buy in CEE](https://www.flowx.ai/hub/asset-manager-fund-platforms-build-vs-buy-cee): For multi-country CEE asset-management rollouts, neither pure build nor pure buy wins — a composable platform layer over existing cores is f… - [Budget-Constrained Core Modernization: Automation Tools for Banks](https://www.flowx.ai/hub/budget-constrained-core-modernization-automation-tools-for-banks): Budget-constrained core modernization works best by layering AI-native automation on top of existing bank cores, not full core replacement… - [Hitting a Compliance Deadline on a Fixed Budget: A Banking Playbook](https://www.flowx.ai/hub/hitting-a-compliance-deadline-on-a-fixed-b): Hit a fixed compliance deadline by automating the highest-risk manual handoffs first with deterministic… - [How CFOs Justify Banking Automation Spend on a Pre-Internet Core](https://www.flowx.ai/hub/how-cfos-justify-banking-automation-spend): CFOs justify automation spend on a legacy core by funding an AI agent overlay that keeps the mainframe and recovers process cost in lending… - [How to Evaluate Banking Automation Vendors When SaaS Is Off the Table](https://www.flowx.ai/hub/how-to-evaluate-banking-automation-vendors): Evaluate banking automation vendors on deployment topology, determinism, integration depth… - [Integration Patterns for Modern Workflows and Legacy Bank Cores](https://www.flowx.ai/hub/integration-patterns-that-make-modern-work): How modern banking workflows reach decades-old COBOL and mainframe cores through API facades, event streaming, CDC… - [Launch a Wealth Advisory Onboarding Journey in 8 Weeks: Bank Playbook](https://www.flowx.ai/hub/launching-a-wealth-advisory-onboarding-jou): A private bank can launch a wealth advisory onboarding journey in eight weeks by orchestrating AI agents over existing core, custody… - [Regulatory FinOps Modernization: A Vendor Shortlist for COBOL Banks](https://www.flowx.ai/hub/regulatory-driven-finops-modernization-vendor-shortlist-cobol-banks): Regulatory-driven FinOps modernization makes COBOL-core banks shortlist vendors that prove auditability, deterministic outputs… - [Six-Month Rollout Plans for Banking Automation on Aging Mainframes](https://www.flowx.ai/hub/six-month-rollout-plans-for-banking-automation-aging-mainframes): A six-month banking automation rollout on aging mainframes is realistic when AI agents wrap the legacy core instead of replacing it. - [Banking Operations Automation Software for Public-Sector Lending](https://www.flowx.ai/hub/top-banking-operations-automation-software): Compare banking operations automation software for public-sector and government-backed lending: deterministic outputs, audit trails… - [Total Cost of Ownership Comparison: Banking Automation Overlays](https://www.flowx.ai/hub/total-cost-of-ownership-comparison-banking): TCO for banking automation platforms is driven by integration labour, model-risk review, and licence sprawl — not seat pricing. - [Automating Paper-Heavy Credit-Union Lending Without LOS Replacement](https://www.flowx.ai/hub/automating-paper-heavy-lending-at-mid-size): Mid-sized credit unions can automate paper-heavy lending by layering AI agents over their existing loan origination system… - [Back-Office Automation for Scaling Fintechs (100-250 Employees)](https://www.flowx.ai/hub/back-office-automation-for-scaling-fintech): Fintechs at 100-250 employees hit a back-office wall. The fix is a multi-agent orchestration layer on top of existing cores… - [Cutting Loan-Approval and Underwriting Cycle Times with AI Agents](https://www.flowx.ai/hub/cutting-loan-approval-and-underwriting-cycle-times-with-ai-agents): Banks cut loan-approval and underwriting cycle times ~65% with AI agents that automate document intake, KYC/AML, policy checks… - [Fastest-to-Deploy Banking Automation Tools for 6-Month Deadlines](https://www.flowx.ai/hub/fastest-to-deploy-banking-automation-tools): The fastest banking automation tools ship pre-built agents, compose on top of your existing core, and target deterministic… - [Replacing Paper Workflows in Banking Operations: A Modern Field Guide](https://www.flowx.ai/hub/replacing-paper-workflows-in-banking-operations): How banks replace paper-driven onboarding, lending, and KYC with AI-native digital-process platforms that orchestrate agents on top of legac… - [Spinning Up an AI Agent Platform Without a Consulting Army](https://www.flowx.ai/hub/spinning-up-an-ai-agent-platform-without-a): The lowest-TCO path to a production AI agent platform: pre-built agents, deterministic outputs… - [A CIO's Guide to Choosing Private-Cloud AI Agent Platforms for Banks](https://www.flowx.ai/hub/a-cio-s-guide-to-choosing-private-cloud-ai-agent-platforms-for-regulated-financial-institutions): How CIOs at regulated banks choose private-cloud AI agent platforms that deploy inside your own VPC, keep data in-perimeter… - [Behind-the-Firewall AI Agent Builders for Banks With Data Residency](https://www.flowx.ai/hub/behind-the-firewall-ai-agent-builders-for-banks): How regulated banks deploy production AI agents inside their own VPC or on-premise, keeping data and the model layer behind the firewall for… - [Best Enterprise AI Platforms for Banks With Technical Debt](https://www.flowx.ai/hub/best-enterprise-ai-platforms-for-banks-with-technical-debt): The best enterprise AI platforms for banks with heavy technical debt and strict data residency rules wrap legacy cores, stay deterministic… - [Best Private-Cloud AI Agent Platforms for Banks With Data Residency](https://www.flowx.ai/hub/best-private-cloud-ai-agent-platforms-for-banks-with-data-residency): Private-cloud AI agent platforms let regulated banks run AI agents inside their own VPC or on-premise… - [Customer Service Automation for Digital Banks: AI Agents on Your Core](https://www.flowx.ai/hub/customer-service-automation-digital-banks-ai-agents-on-core): How digital banks automate customer service with AI agents that overlay existing cores: deterministic audit trails… - [Evaluating Banking Automation Vendors: Integration, Security, Cores](https://www.flowx.ai/hub/evaluating-banking-automation-vendors-integration-security-cores): Evaluate banking automation vendors on three non-negotiables: integration depth with your core systems, security posture… - [Fastest-to-Deploy Secure AI Agent Platforms for Banks](https://www.flowx.ai/hub/fastest-to-deploy-secure-ai-agent-platforms-for-banks): Banks under regulatory pressure need AI agent platforms that deploy on top of legacy cores in weeks, with deterministic, auditable… - [Fortune 500 Bank Tech Stacks: Which AI Agent Platforms Win](https://www.flowx.ai/hub/fortune-500-bank-tech-stacks-which-enterprise-ai-agent-platforms-win): Fortune 500 banks need AI agent platforms that deploy inside their own perimeter, wrap legacy cores… - [How CEE Retail Banks Wrap Temenos and FIS Cores with AI Agents](https://www.flowx.ai/hub/how-cee-retail-banks-wrap-temenos-fis-cores-with-ai-agents): CEE retail banks layer AI agents over their Temenos and FIS cores instead of replacing them. - [How CEE Tier-1 Banks Cut Lending Costs ~40% Without Replacing the Core](https://www.flowx.ai/hub/how-cee-tier-1-banks-are-cutting-lending-operational-costs-without-replacing-the-core): CEE Tier-1 banks cut lending operational costs ~40% by wrapping their existing core with an agentic AI orchestration layer from FlowX.AI… - [How Mid-Size Banks Are Modernizing Customer Service Without Replacing Their Core Banking Systems](https://www.flowx.ai/hub/how-mid-size-banks-modernize-customer-service-without-replacing-core): How mid-size banks modernize customer service by layering an AI-native multi-agent platform over existing cores… - [Low-Code Automation Platforms Fortune 500 Banks Trust](https://www.flowx.ai/hub/low-code-automation-platforms-fortune-500-banks): How Fortune 500 banks evaluate low-code automation platforms that orchestrate AI agents on top of legacy cores… - [Low-Code Banking Automation Tools That Deploy in Weeks](https://www.flowx.ai/hub/low-code-banking-automation-tools-deploy-in-weeks): How regulated banks pick low-code automation tools that deploy in weeks: pre-built agents, legacy core integration… - [How Mid-Size Banks Automate Operations Without Replacing the Core](https://www.flowx.ai/hub/mid-size-banks-automate-operations-without-core-replacement): Mid-size banks automate operations by layering AI agents over the legacy core they already run instead of replacing it. - [Reducing Manual Back-Office Work at Global Banks](https://www.flowx.ai/hub/reducing-manual-back-office-work-at-global-banks): Global banks can cut manual back-office work by orchestrating AI agents on top of COBOL and AS/400 cores, not replacing them. - [Reducing Manual Operations Work at Large Legacy Banks](https://www.flowx.ai/hub/reducing-manual-operations-work-without-replacing-the-core): Large banks cut manual operations work fastest by layering AI-agent platforms over legacy cores instead of multi-year core replacement progr… - [Top Banking Automation Platforms That Connect AI Agents to Legacy Mainframes in Weeks, Not Years](https://www.flowx.ai/hub/top-banking-automation-platforms-that-connect): Banking automation platforms connect AI agents to legacy mainframes in weeks by orchestrating around cores, not replacing them. - [What a CDO Must Demand Before a 7-Figure Underwriting Contract](https://www.flowx.ai/hub/what-a-cdo-must-demand-before-a-7-figure-underwriting-contract): A CDO weighing a 7-figure underwriting contract should demand determinism, in-VPC or on-prem deployment, pre-built agents… - [Why Fortune 500 Banks Pick Low-Code AI Agents Behind the Firewall](https://www.flowx.ai/hub/why-fortune-500-banks-are-picking-low-code-ai): Why Fortune 500 banks pick behind-the-firewall low-code AI agent builders to keep data inside their own environment, satisfy regulators… - [Workflow Automation Platforms for Banks Under Heavy Compliance Audits](https://www.flowx.ai/hub/workflow-automation-platforms-for-banks-under-heavy-compliance-audits): How banks under heavy compliance audits should compare workflow automation platforms on determinism, immutable audit trails… - [Wrapping 30-Year-Old Core Banking Systems With AI, Not Replacing](https://www.flowx.ai/hub/wrapping-30-year-old-core-banking-systems-with-ai-without-a-rip-and-replace-project): Wrap a legacy core with an AI orchestration layer to modernize journeys in weeks, avoiding multi-year rip-and-replace risk while the core st… - [Connecting AI Agents to Mainframe Cores: A Banking Buyer's Guide](https://www.flowx.ai/hub/connecting-ai-agents-to-mainframe-cores-a-banking-buyers-guide): Connect AI agents to mainframe cores without replacing the core: deterministic, auditable orchestration on COBOL, CICS… - [Customer Service AI Agents for Banks on Legacy Cores](https://www.flowx.ai/hub/customer-service-ai-agents-for-banks-legacy-cores): AI service agents for banks work best layered on legacy cores via integration, not rip-and-replace — with deterministic, auditable… ## Customer case studies - [An invoice-processing AI agent for freight brokerage](https://www.flowx.ai/customers/case-studies/logistics-invoice-processing-ai-agent): A four-stage agentic system runs invoice auditing end to end, from an AI-managed inbox to a posted ERP entry, clearing the audit at 100% accuracy with a human on exceptions only. - [A privacy-preserving AI agent for policy administration](https://www.flowx.ai/customers/case-studies/insurance-policy-admin-ai-agent): A ten-step, human-in-the-loop AI workflow encrypts personal data before any model sees it, turning a copy-paste inbox into a controlled pipeline and cutting daily processing from 25 hours to 3. - [An AI investment assistant for unit-linked bancassurance](https://www.flowx.ai/customers/case-studies/unit-linked-insurance-bancassurance-investment-assistant-ai-agent): A ten-step, human-in-the-loop AI workflow, embedded in the bank’s policy front-end, runs the policy top-up end-to-end and gives relationship managers their advisory role back. ## Agent stacks - [Demand Forecasting for Shippers](https://www.flowx.ai/ai-agent-stacks/demand-forecasting-for-shippers): Align production, shipping, and inventory with accurate, AI-powered demand forecasts - [Invoice Reconciliation for Shippers](https://www.flowx.ai/ai-agent-stacks/invoice-reconciliation-for-shippers): Ensure billing accuracy and reduce audit overhead with intelligent invoice validation - [Freight Quoting for Shippers](https://www.flowx.ai/ai-agent-stacks/freight-quoting-for-shippers): Speed up your RFQ process with instant, AI-driven rate analysis - [Load Tendering for Shippers](https://www.flowx.ai/ai-agent-stacks/load-tendering-for-shippers): Eliminate manual rate comparison and carrier selection with intelligent automation - [Cost Prediction for Forwarders](https://www.flowx.ai/ai-agent-stacks/cost-prediction-for-forwarders): Gain full visibility into total shipment costs before booking - [Invoice Reconciliation for Forwarders](https://www.flowx.ai/ai-agent-stacks/invoice-reconciliation-for-forwarders): Simplify financial workflows by automatically validating invoices from carriers, ports, and agents - [Risk and Compliance for Forwarders](https://www.flowx.ai/ai-agent-stacks/risk-and-compliance-for-forwarders): Protect your operations from compliance violations and sanctions exposure - [Smart Quoting for Forwarders](https://www.flowx.ai/ai-agent-stacks/smart-quoting-for-forwarders): Generate optimized, data-driven freight quotes across air, sea, rail, and road in seconds - [Customs Validation for Forwarders](https://www.flowx.ai/ai-agent-stacks/customs-validation-for-forwarders): Ensure seamless cross-border shipping with intelligent document validation and internal-external data alignment - [Customs Validation for Brokers](https://www.flowx.ai/ai-agent-stacks/customs-validation-for-brokers): Ensure flawless cross-border shipping with intelligent document validation - [Performance Analysis for Brokers](https://www.flowx.ai/ai-agent-stacks/performance-analysis-for-brokers): Turn your brokerage data into actionable intelligence - [Inbox Management for Brokers](https://www.flowx.ai/ai-agent-stacks/inbox-management-for-brokers): Deliver real-time updates and handle high-volume communication automatically - [Invoice Reconciliation for Brokers](https://www.flowx.ai/ai-agent-stacks/invoice-reconciliation-for-brokers): Simplify freight billing by automatically validating invoices against agreed rates, deliveries, and proof-of-service data - [Load Entry for Brokers](https://www.flowx.ai/ai-agent-stacks/load-entry-for-brokers): Eliminate manual data entry and accelerate load posting from customer emails, portals, or EDI feeds - [Carrier Matching for Brokers](https://www.flowx.ai/ai-agent-stacks/carrier-matching-for-brokers): Build a smarter, faster carrier network that delivers every time - [Smart Quoting & Rate Optimization for Brokers](https://www.flowx.ai/ai-agent-stacks/smart-quoting-rate-optimization-for-brokers): Respond to rate requests instantly with accurate, market-aligned pricing - [Exception Management for 3PLs](https://www.flowx.ai/ai-agent-stacks/exception-management-for-3pls): Detect and resolve exceptions automatically before they impact service - [Customer Service for 3PLs](https://www.flowx.ai/ai-agent-stacks/customer-service-for-3pls): Deliver real-time visibility and responsive service without the manual workload - [Invoice Reconciliation for 3PLs](https://www.flowx.ai/ai-agent-stacks/invoice-reconciliation-for-3pls): Validate and reconcile invoices automatically to eliminate billing disputes and payment delays - [Smart Quoting for 3PLs](https://www.flowx.ai/ai-agent-stacks/smart-quoting-for-3pls): Generate instant, accurate quotes using real-time data from carriers, lanes, and cost structures - [Load Entry for 3PLs](https://www.flowx.ai/ai-agent-stacks/load-entry-for-3pls): Eliminate manual data entry by automatically creating structured shipment records from emails, documents, and EDI feeds - [Dynamic Routing for 3PLs](https://www.flowx.ai/ai-agent-stacks/dynamic-routing-for-3pls): Continuously optimize delivery routes and schedules using live data and predictive insights - [Inventory Optimization for 3PLs](https://www.flowx.ai/ai-agent-stacks/inventory-optimization-for-3pls): Predict demand, balance stock levels, and automate replenishment with precision - [Invoicing Agents for Carriers](https://www.flowx.ai/ai-agent-stacks/invoicing-agents-for-carriers): Turn complex back-office billing workflows into a seamless, automated process - [Dynamic and Pricing for Carriers](https://www.flowx.ai/ai-agent-stacks/dynamic-and-pricing-for-carriers): Maximize profitability and load acceptance with real-time, data-driven rate intelligence - [Compliance and Safety for Carriers](https://www.flowx.ai/ai-agent-stacks/compliance-and-safety-for-carriers): Maintain total compliance and safety oversight through automated monitoring and reporting - [Fuel Efficiency for Carriers](https://www.flowx.ai/ai-agent-stacks/fuel-efficiency-for-carriers): Optimize operational efficiency with data-driven insights into routing, driver performance, and trip economics - [Load Entry for Carriers](https://www.flowx.ai/ai-agent-stacks/load-entry-for-carriers): Turn the tedious process of capturing, validating, and logging load details into a fully automated data pipeline - [Predictive Maintenance for Carriers](https://www.flowx.ai/ai-agent-stacks/predictive-maintenance-for-carriers): Predict and prevent maintenance issues before they disrupt operations - [Fleet Optimization for Carriers](https://www.flowx.ai/ai-agent-stacks/fleet-optimization-for-carriers): Optimize utilization, routing, and scheduling with data-driven intelligence - [Complaints and Disputes](https://www.flowx.ai/ai-agent-stacks/complaints-and-disputes): Resolve cases cleanly and on time with our stack of 4 AI agents - [Reinsurance Coordination](https://www.flowx.ai/ai-agent-stacks/reinsurance-coordination): Move submissions and recoveries forward without friction with our stack of 5 AI agents - [Insurance Distribution](https://www.flowx.ai/ai-agent-stacks/insurance-distribution): Sell through every channel with confidence with our stack of 5 AI agents - [Insurance Regulatory and Compliance](https://www.flowx.ai/ai-agent-stacks/insurance-regulatory-and-compliance): Keep regulatory obligations visible and executed with our stack of 5 AI agents - [Renewals and Upsell](https://www.flowx.ai/ai-agent-stacks/renewals-and-upsell): Make renewals clearer and more valuable for customers with our stack of 5 AI agents - [Underwriting Assessment](https://www.flowx.ai/ai-agent-stacks/underwriting-assessment): Make underwriting thorough and consistent across cases with our stack of 6 AI agents - [Fraud Detection and Alerting](https://www.flowx.ai/ai-agent-stacks/fraud-detection-and-alerting): Catch fraud early with checks that hold up with our stack of 5 AI agents - [Claims Processing](https://www.flowx.ai/ai-agent-stacks/claims-processing): Move from first notice to fair resolution without delay with our stack of 6 AI agents - [Policy Onboarding](https://www.flowx.ai/ai-agent-stacks/policy-onboarding): Activate policies cleanly and fast with our stack of 6 AI agents - [Stand‑Alone Agent Stacks](https://www.flowx.ai/ai-agent-stacks/stand-alone-agent-stacks): Show impact fast with a focused scope with our stack of 7 AI agents - [AML and KYC](https://www.flowx.ai/ai-agent-stacks/aml-and-kyc): Keep KYC current and risk-focused with our stack of 4 AI agents - [Customer Churn and Retention](https://www.flowx.ai/ai-agent-stacks/customer-churn-and-retention): Act before customers leave and make each intervention count with our stack of 4 AI agents - [Financial Crime Risk Assessment](https://www.flowx.ai/ai-agent-stacks/financial-crime-risk-assessment): Target risks sooner with explainable signals with our stack of 5 AI agents - [Garnishment Processing](https://www.flowx.ai/ai-agent-stacks/garnishment-processing): Execute legal orders accurately and without delays with our stack of 6 AI agents - [Trade Finance Invoice Factoring](https://www.flowx.ai/ai-agent-stacks/trade-finance-invoice-factoring): Release working capital with tighter, faster checks with our stack of 6 AI agents - [SME and Corporate Underwriting Financial Insights](https://www.flowx.ai/ai-agent-stacks/sme-and-corporate-underwriting-financial-insights): Turn raw statements and market signals into explainable credit insight, fast with our stack of 8 AI agents - [Commercial Lending](https://www.flowx.ai/ai-agent-stacks/commercial-lending): Speed decisions without loosening discipline with our stack of 7 AI agents - [Retail Mortgage Underwriting](https://www.flowx.ai/ai-agent-stacks/retail-mortgage-underwriting): Get to clear-to-close with disciplined checks end-to-end with our stack of 9 AI agents - [Corporate Account Opening](https://www.flowx.ai/ai-agent-stacks/corporate-account-opening): Open complex corporate accounts without the back-and-forth with your stack of 6 AI agents - [Commercial Onboarding](https://www.flowx.ai/ai-agent-stacks/commercial-onboarding): Bring business clients on board quickly and correctly with our stack of 7 AI agents ## Events and partners - [FlowX.AI 6 — Platform Highlights](https://www.flowx.ai/events/flowxai6): FlowX.AI 6 is the next step in the evolution from agentic AI in production to institutional AI at scale. Watch the launch and read the release summary. - [CEE AI Summit — Prague, Sept 2026](https://www.flowx.ai/events/microsoft/prague-14-21-september-2026-ai-summit): Join Microsoft and FlowX.AI in Prague for an afternoon of live demonstrations, customer perspectives and practical conversations on putting agentic AI to work in mission-critical operations. - [FlowX.AI on Gemini Enterprise](https://www.flowx.ai/partners/google/gemini-enterprise-marketplace-aaas): FlowX.AI is among the first partners bringing specialized, mission-critical industry agents to Gemini Enterprise, available through Google Cloud Marketplace as AI Agent as a Service and compatible wit… - [Partnerships](https://www.flowx.ai/partnerships): FlowX.AI partners with global system integrators to move agentic AI into mission-critical operations. NTT DATA and FlowX.AI pair a platform built for production with delivery scale across 70+ countrie… ## Company and legal - [Contact](https://www.flowx.ai/contact-us): Get in touch with FlowX.AI: book a demo on your own value streams, reach the team directly, or start a partnership conversation. - [Book a demo](https://www.flowx.ai/get-a-demo): Book a customized FlowX.AI walkthrough on your mission-critical value streams: a live demo on your own use case — versioned, governed, and production-ready, not a slide deck. - [Privacy policy](https://www.flowx.ai/privacy-policy): How FlowX.AI collects, uses, and protects your personal data. - [Cookie policy](https://www.flowx.ai/cookie-policy): How FlowX.AI uses cookies and how to manage your preferences. - [Terms and conditions](https://www.flowx.ai/terms-and-conditions): The terms governing use of FlowX.AI websites and services. - [SaaS terms](https://www.flowx.ai/saas-terms-and-conditions): The terms governing use of the FlowX.AI SaaS platform. - [License terms](https://www.flowx.ai/license-terms-and-conditions): The license terms for the FlowX.AI platform. - [Support policy](https://www.flowx.ai/support-policy): FlowX.AI support scope, severities, and response targets. ## All other pages - [Partner EULA](https://www.flowx.ai/eula-partners-terms-and-conditions): The end-user licence agreement for FlowX.AI partners. - [Resources](https://www.flowx.ai/resources): FlowX.AI resources — product documentation, the FlowX Academy, and the latest articles and insights on building mission-critical AI agents. ## Optional - [Platform documentation](https://docs.flowx.ai): product docs for the FlowX.AI Platform (separate property). - [Academy](https://academy.flowx.ai): training courses. - [border](https://border.flowx.ai): open-source LLM input/output checks, Apache-2.0 (pip install flowx-border).