HEARTH, a household's money agent
The autonomous agent for an ordinary household. It opens the accounts, carries the card, and clears the path to a first home, calling the bank's agents on the family's behalf. Every tap of the app is one agent talking to another.
❖ Walk this journey in the city →- 1 Identity Financial Crime
You sign up. The diligence agent verifies your identity, runs customer due diligence, and assembles your KYC file on the spot.
handled by Onboarding Diligence Agent · see config → - 2 Screening Financial Crime
Your name is checked against sanctions, PEP and watchlists. The screening agent clears the matches as false positives in real time.
handled by Sanctions Disposition Agent · see config → - 3 Account Consumer Banking
Your current account is provisioned end-to-end. The account-opening agent stands up the deposit relationship and funds your first balance.
handled by Account Opening Agent · see config → - 4 Card Consumer Banking
You apply for a credit card. The underwriting agent pulls your bureau data, decisions the application, and assigns you a starting limit.
handled by Card Underwriting Agent · see config → - 5 Fraud check Financial Crime
You tap the new card at a checkout. The real-time agent scores the transaction in-flight and lets it through (or steps in) before it clears.
handled by Real-Time Fraud Agent · see config → - 6 Monitoring Financial Crime
As your spending builds a pattern, the transaction-monitoring agent watches the flow for laundering signals and dispositions the alerts.
handled by Alert Triage Agent · see config → - 7 Mortgage intake Consumer Banking
You find a house and apply for a mortgage. The document agent ingests your payslips, statements, and tax forms and extracts the numbers itself.
handled by Mortgage Document Agent · see config → - 8 Mortgage decision Consumer Banking
Your file is assessed against affordability and policy. The underwriting agent derives the decision and a chief-credit agent gates it before commit.
handled by Underwriting Agent · see config → - 9 Drawdown Consumer Banking
The loan funds and moves into life-of-loan servicing. The servicing agent sets up your payments, escrow, and statements from day one.
handled by Loan Servicing Agent · see config → - 10 Dispute Financial Crime
A charge you don't recognise lands on the card. The disputes agent takes the claim and runs it through to chargeback adjudication for you.
handled by Dispute & Chargeback Agent · see config → - 11 Wellness Consumer Banking
A few months in, the wellness agent notices your spending patterns and nudges you toward a savings goal and a smarter way to handle the mortgage.
handled by Financial Wellness Agent · see config →