The AI harness for
every credit union.

Cortava is the agentic intelligence harness that federates your entire credit union tech stack: Symitar, Fiserv, FIS, Temenos, MeridianLink, Alkami, and Velera. It deploys governed AI agents across fraud, lending, marketing, and compliance. In your environment, under your control.

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NCUA-compliant governance  ·  Data stays in your environment  ·  First agents live in 8 weeks
🏦
Symitar · Fiserv · FIS
Core banking
Connected
📱
Alkami / Q2
Digital banking platform
Connected
Cortava Harness™
Federated · Governed · NeSy-powered
📋
MeridianLink
Loan origination
Connected
💳
Velera / PSCU
Payments & card processing
Connected
The problem

Credit unions have the data.
They just can't reach it.

The average $1B+ credit union runs 12–15 vendor systems. Member data lives in all of them. No AI agent can serve your members without seeing all of it simultaneously.

01
🔀
Fragmented stack, fragmented intelligence
Symitar holds your member records. MeridianLink holds your loan pipeline. Velera holds your transaction data. No unified view means every AI initiative is partial and partial AI is dangerous in financial services.
Avg. credit union: 12–15 vendor systems
02
⚠️
AI pilots that never reach production
74% of credit union technology projects fail to deploy. Not because the AI does not work, but because the integration does not. Building one-off connectors for every new AI use case is the most expensive way to fail.
1 in 4 tech projects never deploys
03
📋
NCUA scrutiny is here and AI is next
NCUA updated its AI guidance in late 2025. Algorithmic decisioning, fair lending compliance, and model risk are now explicitly on the examination agenda. AI without a governed, auditable decision trail is an examination risk.
NCUA AI guidance updated Q4 2025
⚡ Market signal · June 2, 2026
Q2 just launched agentic AI for credit unions. But only inside Q2's products.
Q2 Assistant is live and it's excellent within Q2's ecosystem. But it cannot reach your Symitar or Fiserv core, your MeridianLink loan pipeline, or your Velera transaction data. The question Q2 just made every CTO ask is: "What about the AI layer that works across everything?" That's Cortava.
Federation

Your data stays where it lives.
Cortava connects it.

Federation means computation travels to your data not the other way around. Cortava queries Symitar, MeridianLink, and Velera simultaneously and brings back only the insights your agents need. No data migration. No data egress. No vendor lock-in.

Cortava Harness
Unified AI Layer
Federated  ·  Governed  ·  Agentic
↓ ↓ ↓ queries push down  ·  only results return  ·  data never moves ↑ ↑ ↑
🏦
Symitar / Fiserv / FISCore banking · Accounts · Members
🌐
Temenos / FinacleCore + digital banking
📱
Alkami / Q2 / MahaloDigital banking · Sessions
📋
MeridianLink / nCinoLoan origination · Decisions
💳
Velera / CO-OPCard · ACH · Payments
📊
Empower / GLOrigination · General ledger
No migration
Your Symitar investment is safe
Cortava sits above your core it never replaces it. Whether you run Symitar, Fiserv DNA, FIS Horizon, or Temenos, Cortava connects through your core's native APIs. Every AI agent reads through governed, permissioned calls. Your core stays exactly where it is. Cortava sits on top.
Cross-system context
The fraud agent that actually works
A fraud agent that only sees one system misses 70% of the picture. Cortava's fraud agent simultaneously correlates core account patterns (Symitar, Fiserv, or FIS), Velera card activity, and MeridianLink new-account signals in real time, in a single query that never moves data off your infrastructure.
Pushdown optimization
Fast queries at scale
Cortava uses pushdown optimization complex filtering and aggregation happen at the source database, not in memory. Queries that would take minutes in a traditional data pipeline run in seconds. Your member-facing agents stay responsive.
16+
Pre-built connectors
Symitar, Fiserv, FIS, Temenos, Finacle, MeridianLink, Alkami, Q2, Velera, Empower and more out of the box.
0
Data migrations required
Your data stays in its source system. Cortava federates across it never copies it to a new warehouse.
8 Wks
To live on Symitar
First Cortava agents live on your Symitar environment in 8 weeks. No custom integration project required.
100%
Data in your environment
Cloud-tenant, private cloud, or on-premises. Member data never leaves your infrastructure.
Semantic layer

Your analysts ask questions in English.
Your agents do too.

The semantic layer translates between the way humans think about members and the way your systems store data. Natural language queries, unified meaning across all systems, AI-powered metadata classification making your data accessible to every person and every agent in your organization.

Layer 1 · Knowledge
Unified catalog across all systems
Every field in Symitar, every loan attribute in MeridianLink, every transaction type in Velera catalogued, classified, and semantically linked. Cortava knows that "member balance" in Symitar and "available funds" in Alkami are the same concept.
7+ catalog backendsAI-powered classificationSchema evolution tracking
↕
Layer 2 · Translation
Natural language to federated SQL
Business users and AI agents ask questions in plain language. Cortava's NL-to-SQL engine translates them into optimized, federated queries across Symitar, MeridianLink, and Velera simultaneously with auto-correction and smart suggestions.
NL-to-SQLAuto-correctionCross-system joins
↕
Layer 3 · Governance
Data contracts & quality enforcement
Machine-readable data contracts define what data means, how fresh it must be, and who can access it. Quality gates enforce ECOA-compliant data standards before any AI agent uses the data for decisioning. Every query carries lineage back to the source.
Versioned contractsECOA-compliant gatesColumn-level lineage
↕
Layer 4 · Access
Role-based semantic access control
RBAC and ABAC control what data each agent and each human can access. A loan officer's AI agent sees member creditworthiness data. A marketing agent cannot. PII is automatically masked in query results based on the requesting role.
RBAC / ABACAuto PII maskingMember data privacy
Natural language query demo
💬
"Show me members with checking accounts above $10,000 who haven't applied for a loan in the past 2 years but have had 3+ direct deposits per month"
↓
Generated federated SQL across Symitar + Empower
SELECT m.member_id, m.full_name,
       a.balance, d.deposit_count
FROM symitar.members m
JOIN symitar.accounts a ON m.id = a.member_id
JOIN empower.deposit_summary d
     ON m.id = d.member_id
WHERE a.type = 'CHECKING'
  AND a.balance > 10000
  AND d.monthly_count >= 3
  AND m.id NOT IN (
    SELECT member_id FROM
    meridianlink.applications
    WHERE created_at > NOW() - INTERVAL '2 years'
  )
NL
Plain language queries for any analyst
3x
Faster insight generation
0
Data warehouse migrations needed
Agentic OS & NeSy reasoning

Agents that act. And explain.
Governed at the reasoning level.

Cortava is not a collection of AI tools it is the operating system beneath every AI agent your credit union runs. Built on a neuro-symbolic architecture that enforces NCUA regulations, ECOA fair lending rules, and BSA/AML requirements as immutable logic at every decision step.

Symbolic layer rule & constraint enforcement
NCUA regulations encoded as formal logic
ECOA fair lending rules, BSA/AML requirements, HMDA data standards, and NCUA examination expectations are encoded as symbolic constraints not as prompts that can be overridden. Every agent decision is validated against this layer before and after execution. Deterministic, auditable, defensible in examination.
NCUA complianceECOA / fair lendingBSA / AML rulesPolicy engine
Bidirectional constraint enforcement
Memory & grounding layer
4-tier persistent member context
Session memory (current interaction), Episodic memory (past decisions), Semantic memory (member facts), Procedural memory (policies and workflows). Every agent remembers what matters so your AI doesn't treat every interaction as if it's the first one.
Session contextMember historyPolicy memoryRAG pipeline
Neural outputs grounded by symbolic constraints
Neural layer LLM routing & orchestration
Multi-agent orchestration across your stack
LangChain ReAct and LangGraph for agent orchestration. Multi-provider LLM routing route to the right model based on cost, latency, and task type. Supervisor, sequential, and parallel agent patterns. Config-driven via JSON no engineering rework when requirements change.
LangChain / LangGraphMulti-LLM routingConfig-driven
Every decision logged with full lineage
Governance layer audit & observability
Every decision traceable to the rule that governed it
Immutable audit trails for every AI decision. Column-level data lineage. LangFuse traces for quality scoring and model improvement. Human-in-the-loop approval queues for high-stakes decisions. Cortava doesn't just run your agents it makes every decision examinable.
Immutable audit trailColumn lineageHITL approvalDrift monitoring
The Cortava differentiator
"Every AI decision governed at the reasoning level, not just the output boundary."
Most AI platforms add safety as a filter on the way out. Cortava's neuro-symbolic architecture enforces your regulatory constraints at every step of the agent's reasoning chain: before it queries data, during execution, and before it acts. The result is AI your examiners can audit, not just AI your members can use.
Capability
Other platforms
Cortava
NCUA compliance
Configured per deployment
Encoded as symbolic rules enforced at every decision
Fair lending (ECOA)
Post-hoc monitoring or prompts
Constraint layer prevents non-compliant outputs structurally
Decision audit trail
Logs of inputs/outputs
Full decision graph: data source, rule, agent action
Cross-system context
Single-system or manual integration
Federated across entire credit union stack in real time
Data sovereignty
SaaS data leaves environment
Your cloud, your infrastructure, your rules
Pre-built agents

11 agents. Ready to deploy.
Built for your stack.

Every Cortava agent is pre-wired to Symitar, MeridianLink, Alkami, and Velera. No custom integration projects. Deploy the agents your credit union needs first and expand as your AI program matures.

🛡️ Fraud
📋 Lending
🎯 Marketing
📑 Compliance
📈 Finance
Fraud · Recommended pilot
Cross-System Fraud Detection Agent
Correlates transaction patterns across Symitar accounts, Velera card activity, and MeridianLink new-account data in real time. Flags synthetic identity fraud, ACH fraud, and new account fraud with anomaly alerts before losses occur across all channels simultaneously.
Symitar + Velera + MeridianLink + Socure
ROI: Reduces fraud losses by 30 to 50 percent with near-real-time detection
Fraud · Behavior intelligence
Behavior Clustering & Anomaly Agent
LLM-powered segmentation combining transactional telemetry, channel behavior, and lifecycle stage. Surfaces behavioral anomalies that rule-based fraud systems miss including account takeover patterns and unusual digital banking activity before it escalates.
Symitar + Digital banking + Payments
ROI: Detects fraud patterns that rule-based systems miss
Lending · Recommended pilot
Automated Underwriting Agent
Orchestrates the full underwriting pipeline across Empower (origination), MeridianLink (decisioning), and Symitar (member account history). Applies ECOA-compliant symbolic rules at every step. Reduces manual review time by 60 to 70 percent while improving fair lending compliance documentation.
Empower + MeridianLink + Symitar + Credit bureaus
ROI: 60 to 70 percent faster loan decisions with ECOA compliance built in
Collections
Propensity-to-Pay Agent
Real-time payment likelihood model using Symitar transaction data, Empower loan data, and behavioral signals. Enables early intervention with personalized outreach reducing charge-off rates through predictive rather than reactive collections strategy.
Symitar + Empower + Collections platform
ROI: 15 to 25 percent reduction in charge-off rates
Marketing
AI-Driven Personalization Agent
Builds a unified member graph from Symitar, CRM, and digital banking behavior. Powers LLM-driven targeting for deposits, loans, and cross-sell segmented by life event, transaction pattern, and channel preference. Every offer is personalized and every interaction is logged for fair marketing compliance.
Symitar + CRM + Alkami/Q2
ROI: 89 percent higher engagement rates and 4x multi-channel member value
Digital Experience
Next Best Product & Retention Agent
Real-time next-best-action API embedded in digital banking. Predicts attrition risk from behavioral signals and deploys retention offers before the member leaves. Surfaces the right product at the right moment in the channel where the member is already active.
Alkami/Q2 + Symitar + CRM
ROI: 25 to 35 percent reduction in member attrition risk
Regulatory reporting
NCUA Regulatory Reporting Agent
Automates NCUA call report generation and HMDA data compilation. Extracts, reconciles, and formats required data across Symitar, GL systems, and loan platforms. Reduces report preparation from days to hours with a full audit trail showing every data source and reconciliation step.
Symitar + GL + MeridianLink + HMDA data
ROI: 80 percent reduction in report prep time with reduced examination risk
Governance
Governance & Lineage Agent
Maintains governance, lineage, and compliance across the entire data mesh. NCUA regulations, ECOA fair lending rules, and BSA/AML requirements encoded as symbolic constraints enforced at every data access and AI decision point. Examination-ready at all times.
All connected systems · NeSy policy engine
ROI: Audit-ready at all times, with policy enforcement by design
Finance & ALCO
Financial Modeling & ALCO Agent
Federates core, lending, and GL data for stress testing, interest rate risk modeling, and financial forecasting. Automates ALCO report generation and scenario analysis. Turns what used to take your CFO team three days of manual extraction into a three-hour automated workflow with full data lineage.
Symitar + GL (FISI*CAL/Prologue) + Empower
ROI: ALCO prep from 3 days to 3 hours
Infrastructure
DevOps & QA Copilot Agent
LLM-powered development copilot for your small IT team. Auto-documents and tests pipelines, APIs, and integrations. Generates SDK-compliant extensions for Alkami and Q2 Innovation Studio. Reduces the manual burden that slows every credit union technology team.
GitHub + CI/CD + Alkami / Q2 Innovation Studio
ROI: 50 percent reduction in manual QA and documentation time
Deployment models

Your environment. Your rules.
Your deployment choice.

Cortava is not a SaaS-only product. Credit unions have strict requirements around data residency, NCUA third-party oversight, and board-level data governance. We support all four models and we help you choose the right one.

☁️
Dedicated Cloud Tenant
Annual SaaS · Fastest deploy
Your isolated cloud instance on AWS or Azure. Data never comingles with other institutions. Fastest time to value first agents live in 4–8 weeks. Zero upfront infrastructure investment.
$150K–$250K / yr
🔒
Private Cloud Install
Annual license · Your AWS/Azure
Cortava installs into your own AWS, Azure, or GCP account. Your data, your encryption keys, your access controls. Full compliance posture ownership. Preferred by $1B+ institutions.
$300K–$500K / yr
🏗️
On-Premises Install
Perpetual or annual · Your data center
Deploys on Kubernetes in your own data center. Zero data egress. Air-gap capable. Perpetual license option available. For institutions with board-mandated data residency requirements.
$500K+ perpetual
🤝
CUSO Shared Service
Via your CUSO partner
Cortava delivered as a shared service through your existing CUSO relationship (Velera, CO-OP, CU*Answers). Per-member or per-agent pricing. Leverages trust relationships you already have.
Contact your CUSO
Data sovereignty promise
Your members' data never leaves your environment.
NCUA third-party oversight requirements and your board's data governance policy demand it. Cortava was designed from day one for credit union data sovereignty, not retrofitted to comply with it.
  • Member PII never leaves your environment in any deployment model
  • All data processed within your cloud account or data center
  • Encryption keys remain under your control
  • Full audit log of every data access by every agent
  • NCUA third-party oversight documentation provided
  • Board-level data governance reporting built in
Get started

Ready to see Cortava
on your Symitar environment?

We will show you the fraud detection agent and automated underwriting agent live on your core banking environment (Symitar, Fiserv, or FIS) in 45 minutes. No slide decks, just working agents.

Request a Live Demo Download Technical Brief
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