Corvair Knowledge Substrate  /  Prebuilt Domain Substrate

Retail Banking Knowledge Substrate

Led by the Branch and Personal Banker roles

Search, plain-language Q&A, knowledge management, and agentic memory for retail banking, in one governed substrate. It blends licensed retail banking expertise with your institution's own products, policies, and procedures, and each colleague's curated libraries, with a Validity Warrant on every answer. Built for the branch and contact centre, it serves every customer-facing role and powers the agents, apps, and auditors that work with them.

Subscription content, in partnership with [Retail banking knowledge partner]. Licensed retail banking expertise is produced and kept current by a named domain partner.
Minutes
to a sourced answer at the counter or on a call
Weeks not months
for a new joiner to handle products and procedures
Every answer
source-attributed and carrying a Validity Warrant
One source
shared across every branch, the contact centre, and the agents

Four capabilities in one governed layer

Search
One query across licensed, institutional, and personal knowledge, ranked and attributed.
Q&A
Plain-language answers from a local or cloud model, always with citations and a warrant.
Knowledge management
Curated, typed, trust-scored, and source-attributed; licensed expertise blended with your own.
Agentic memory
A bi-directional record that pre-loads context and captures what was said, done, and decided.

How it comes together

Three inputs blend into one governed substrate, with auto-curation, trust scoring, and a Validity Warrant on every answer, reached three ways.

Licensed
Domain backbone
Retail products, lending, conduct, trust-scored
Crawled & ingested
Your institution's knowledge
Internal sites, SharePoint, product shelf, policies, procedures
Self serve
Each user's libraries
Their own documents, transcripts, notes, and sources
Chatbot & search
Branch and contact centre
Search and ask, with sourced, governed answers
MCP server or secure API
Local agents and custom apps
A governed knowledge source for results
Warrant viewer & export
Auditors
Open and verify the Validity Warrant behind any decision

Pipeline

Ingests PDF, DOCX, XLSX, CSV, web pages, call transcripts, meeting notes, and video transcripts. Crawl web sites, intranet, SharePoint, and more, to bring documents in automatically. Auto-curation keeps it current, using continuous web search, news, and monitoring. Access chatbot, secure API, MCP server, and Claude skills.


How a Validity Warrant works

A signed record produced with every answer, capturing what the substrate knew and how it reached the answer, so a decision stays defensible long after it is made. It can cover a single answer or a whole conversation.

01 Search or Q&A
The question asked
The exact prompt or question, including any follow-ups.
02 Knowledge
What was known
The facts used, each with its trust score, pinned to a snapshot.
03 Reasoning path
How it was reached
The search, the sources selected with why each is relevant, and the premise chain.
04 Authority
Who asked, and bounds
The person or agent, and whether the request stayed within policy.
05 Signature
Signed and replayable
Cryptographically signed and timestamped, exportable, reconstructable later.
Decisions cannot be guaranteed as correct, but the basis for the decision can be proved.

Roles it serves

  • Personal Banker / Teller (branch front line, primary)
  • Contact Centre Agent, calls, chat, servicing
  • Branch Manager, oversight, escalations
  • Mortgage and Loan Officer, eligibility, applications
  • Customer Service and Complaints
  • Compliance and Conduct, fair dealing

AI agents it powers

Custom agents you or your partners build, via MCP or secure API. Not included in the licence.

  • Co-pilots, role-bound assistants for branch and contact centre
  • Onboarding and KYC agent, screening, document checks
  • Fraud and scam detection agent
  • Product eligibility and quote agent
  • Complaint handling and resolution agent
  • Compliance monitoring agent

Inside the licensed backbone

Deposits and everyday banking, lending, cards, and mortgages, payments and digital banking, KYC, AML, and fraud, account servicing and disputes, fees, rates, and terms, branch procedures and operations, and conduct and fair treatment.


Platform

Single search
One query across licensed, institutional, and personal knowledge.
LLM Q&A
Plain-language answers, local or cloud model, always with citations.
Crawler & ingest
Web, intranet, SharePoint, plus files and transcripts.
Access anywhere
Chatbot, secure API, MCP server, and Claude skills.

Governed by construction

Trust scoring
Every fact carries a computed trust and decay, curated live.
Source attribution
Licensed knowledge kept distinct from your local policy on every answer.
PII guardrails
Sensitive data detected on ingestion and redacted or blocked in results, per role.
Validity Warrant
A signed, exportable record for auditors to verify, replayable in time.
MAS guidancePDPAAML / CFTFair DealingFCA Consumer DutyCFPBISO 42001Corvair Risk Catalog

Knowledge as code, and deployment

Knowledge as code
Recipes and grounded content live in Git or your own repository. Branch and review a change, promote from test to production, and reconstitute an identical, governed substrate anywhere. Versioned, auditable, reproducible.
Deployment
Runs in your cloud of choice (Google Cloud, AWS, or Microsoft Azure, with Alibaba and Tencent on request) or on-premises and private cloud, inside your firewalls. The platform, data, and audit trail stay yours. Initial build targets Google Cloud.

One of a family for the bank

Same pattern, new domain: a licensed backbone, your local knowledge, one governed substrate. Part of the Corvair family of banking substrates: Wealth Management, Retail Banking, Commercial Banking, Markets and Treasury, Risk and Compliance, and Operations. Banking is one example; the same pattern serves other regulated industries. Pricing is in the Banking Suite Price Sheet.

Built on the patent-pending Corvair Knowledge Substrate. Runs on your cloud or on-premises, inside your firewalls.
corvair.ai
Singapore · UAE · United States

What the Retail Banking virtual expert knows

Corvair Knowledge Substrate  /  Domain Partner Content

Retail Banking Virtual Expert

Led by the Branch, Contact Centre, and Personal Banker roles

A licensed co-pilot and chatbot for retail banking, trained on a commercial-grade body of products, lending, conduct, and fraud knowledge, to help front-line staff learn, explore, and decide. Ask it in plain language or search the repository directly, and connect that same repository to your tools and agents through an MCP server or API. Produced and kept current by a named domain partner, and blended with your institution's own knowledge.

Subscription content from [Retail banking knowledge partner]. The licensed knowledge is produced and maintained by a named retail banking knowledge partner, then packaged and delivered by Corvair as a subscription.

What it is

A co-pilot and chatbot, trained on the licensed retail banking repository, that helps branch and contact-centre staff learn the domain and explore it in plain language. It both searches the repository and answers questions from it, with citations and a Validity Warrant on every answer. The repository is also a building block: connect it to your other tools and agents, or build on it directly.

Co-pilot and chatbot
Learn, explore, and ask in plain language, at the desk.
Search and Q&A
Retrieve and answer over the licensed repository, with cited sources.
MCP server and secure API
Power Cowork, Codex, or your own applications with the repository.
Available as Claude skills
Packaged ready to use, with custom skills developed to order.

What the virtual expert knows how to do

01
Consumer financial analysis
Read pay stubs, tax filings, and bank statements to assess household cash flow and creditworthiness.
02
Consumer credit and loan underwriting
Evaluate eligibility against DTI, TDSR, and LTV limits for mortgages and personal loans.
03
Scam and fraud signature detection
Identify authorised push-payment scams, elder abuse, identity theft, and mule activity.
04
Fair-dealing compliance guidance
Hold staff to consumer rights, fee disclosures, and vulnerable-customer protections.
05
Consumer complaint mediation
Analyse term sheets, records, and resolution history to suggest fair outcomes.

A typical interaction

Retail Banking Virtual Expert · co-pilot · chatbot · API
Personal Banker
Can I approve a $30,000 personal loan for this applicant on a $4,000 monthly income?
Retail Banking Virtual Expert
Not at the requested term. Their total debt-service ratio would breach the 55% TDSR limit, so reduce the amount or extend the tenor, and record the affordability assessment.
Grounded in credit policy and TDSR rules · Validity Warrant issued

From the partner's desk to a warranted answer

01 Authored
The standards
The partner's practitioners write the standards, models, and playbooks.
02 Curated
Trust-scored
Corvair ingests, structures, and scores every source for trust.
03 Versioned
Dated releases
Shipped as dated releases you can pin, replay, and roll back.
04 Grounds
The expert
Each answer is traced to licensed content, with a Validity Warrant.

Reference databases

  • Consumer protection blueprints: operational guides mapped to MAS Fair Dealing, FCA Consumer Duty, and CFPB.
  • Scam and fraud indicator library: updated typologies, transactional red flags, and identity-compromise signals.
  • Retail credit bureau interpretation guides: scoring methodologies and default-risk behaviours across major bureaus.
  • Customer dispute resolution trees: step-by-step diagnostics for chargebacks, transfer disputes, and account complaints.

How-to guides

  • Consumer cash flow and income verification guides: read statements, detect hidden debt, and evaluate non-standard income.
  • Mortgage and consumer underwriting manuals: valuation, loan sizing, and LTV and TDSR calculation rules.
  • Social engineering and scam detection playbooks: red flags for APP and investment scams and pressure tactics.
  • Vulnerable customer treatment handbooks: branch procedures, escalations, and cognitive-safety protocols.
  • Chargeback and dispute investigation frameworks: compile evidence and resolve card transaction disputes.

In the substrate these map onto typed-knowledge families: reference data, models and formulas, frameworks and crosswalks, cases and precedents, and templates and clause libraries.


What always-current, shared knowledge delivers

Consistent across every desk
Everyone who needs it draws on one expert source, so guidance does not vary by who is asked.
Confidence
Sources are up-to-date, regularly refreshed, and available to everyone.
Faster to competence
New joiners ramp in weeks, not quarters, against an authoritative, vetted backbone.
Defensible by default
Conduct and suitability checks are built in, and every answer carries a Validity Warrant.

Curated periodically, and recombined. Domain partner content plus your institutional knowledge plus each user's libraries combine into a governed blend, trust-scored, with a Validity Warrant on every answer. The partner re-curates and re-publishes on a regular cadence, and each versioned release is recombined automatically, without disturbing your institutional or local content.

The licensed domain backbone of the Retail Banking Knowledge Substrate. Licensed content is the property of the named domain partner.
corvair.ai
Singapore · UAE · United States