The Growth Operating System for
Financial Institutions
One platform. All accounts. Anytime, anywhere.
From consumers to businesses, drive deposits and loans with an AI-powered entryway for digital account origination, across web, mobile, branch and call center channels.
Origination, AI agents, and governed AI access — on the core you already have
Start with the layer that solves today's problem. Add the others when you're ready. Everything runs on the same real-time core integrations, so nothing is a rip-and-replace project.
Digital Origination
Consumer and business account opening, consumer and business lending, and fraud & decisioning — 90+ configurable financial product templates, applications completed in under 2 minutes, and 97.6% of manual origination steps automated (Nutmeg State FCU).
Explore the platform →AI Growth Agents
Three agentic AI Growth Agents — Acquisition AIA, Cross-Sell AIC, and Relationship Growth AIR — in production since June 2025. Every recommendation is human-in-the-loop: no autonomous actions, and no member data in public models.
Meet the agents →MCP Connect
Governed, read-only AI access to your origination data from the assistants your team already uses. Every query is audited with 7-year retention, and PII is masked by default. Public pricing, starting with a Starter tier included with AI Growth Agents.
See how it works →The same screens your team and your applicants will use
Built for your charter, your core, and your examiners
Credit Unions
Grow membership without growing headcount
Field-of-membership eligibility, SEG onboarding, and member language throughout. Real-time integrations with Jack Henry Symitar, Corelation KeyStone, and Fiserv cores — proven from $100M credit unions to Fortune 500 enterprise deployments.
For credit unions →
Community Banks
Win the customers megabanks take for granted
Consumer and business account opening with automated KYB, FinCEN CDD beneficial-ownership collection, and Secretary of State checks — on Fiserv Premier, Fiserv DNA, and Jack Henry SilverLake.
For community banks →36+ direct API integrations across cores, identity, and payments
Jack Henry VIP Partner · Corelation Preferred Partner · Banno Certified · Fiserv AppMarket Partner · FIS GKYC certified. See all integrations.
90% NPS — measured November 2024, from clients of 8+ years
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time."
"In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced… best-in-class digital onboarding templates provide a 'Chime-like' experience."
Evaluate us the way your committee actually buys
No mystery pricing, no gated basics. Every stakeholder — CFO, CIO, compliance, operations — can get to their answer without a sales call.
Pricing & ROI
How pricing works by asset tier and module, with ROI math built on documented client benchmarks.
See pricing →Compare Vendors
Honest, side-by-side comparisons against the alternatives you're already shortlisting.
Compare options →Implementation
The methodology behind going live in ~30 days for account opening — documented at Blue FCU — and 45–60 days for loan modules depending on core.
See the plan →Trust & Security
SOC 2 Type 2 certification, AI governance, and the due-diligence package your risk team will ask for.
Review trust →See a live demo before you commit
Get a 20-minute guided walkthrough of the account-opening and lending templates our credit union and community bank clients run in production.