Your core has run your credit union for years. It is the system you trust. Cortava extends that foundation to AI. It gives any agent governed access to member data across your core and every other system you run, so AI acts on the whole relationship, not one slice. The data never leaves your environment. You stay in control of all of it.
The agents are not the hard part anymore. There is a capable agent for almost every job, and more arrive every month. The hard part is the data. A single member lives across your core, your loan system, your card processor, and your digital banking platform. The average credit union runs a dozen or more vendor systems. No agent can act on the whole member, because no agent can safely reach across all of it.
Federation is the foundation Cortava is built on: the ontology and every governed agent run on top of it. Your member's full picture is split across every system you run. Cortava brings the computation to your data, not your data to a warehouse: it queries your core, lending, and payment systems together and returns only what your agents need to act on the whole member. No data migration. No vendor lock-in. Data never leaves your environment, and Cortava holds only the model, lineage, and audit, never your member records, so you never become another data silo. Where a vendor exposes an API or connector, Cortava reads through it directly; where it doesn't, your vendor lands the data in your own data lake and Cortava reads it from there. Either way it stays inside your environment. The result: the systems you already run become the foundation your AI works from, no migration required.
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' )
Federation gives you the data; the ontology gives it meaning. Cortava models your whole credit union as a governed object graph: your members, accounts, loans, and cards become typed objects, the joins that matter become links across your cores, and the actions an agent may take are typed and governed too. It is mapped to the standards your examiners already trust, so it is the one model every agent reads from and acts on, not another proprietary black box.
Member { memberId MBR-2481 fullName Jordan Ellis ssn ██ masked ██ creditBand 740-799 segment Prime · 8-yr member ownsAccount → 4 Accounts Symitar hasCard → 2 Cards Velera appliedForLoan → 1 Loan MeridianLink touchedChannel → Mobile, Branch Alkami action Flag for review · a human approves }
Cortava is the governed gateway between your agents and your core systems and business applications: it governs what member data an agent can read and what it is allowed to do, not which model it calls. This is not an LLM gateway. A neuro-symbolic architecture enforces NCUA regulations, ECOA fair lending rules, and BSA/AML requirements as immutable policy, checked at every decision step, so every agent acting on the whole member stays inside your rules. The decision stays deterministic: rules and local models are the source of truth, the language model only parses, summarizes, and drafts, and a human approves anything consequential.
The agent market moves fast and gets cheaper every month. Locking into one vendor's agents is a bad bet. So bring the agents you want. Build your own, or choose best-of-breed agents from the wider ecosystem. Cortava gives any of them the same thing: governed, real-time access to member data across your whole stack, with every decision logged. Whether you are rolling out agents for lending or piloting them for member service, they all read the same governed member data through Cortava.
Every vendor's agent sees its own system. Your members live across all of them. So does Cortava.
Cortava is not a SaaS-only product. Credit unions have strict requirements around data residency, NCUA third-party oversight, and board-level data governance. Every model delivers the full Cortava core platform: you select the agents you want deployed in whichever environment fits your institution.
One governed layer for every agent, across your whole stack, in your environment. In one working session we connect Cortava to your systems and show agents acting on the whole member under your rules. No slide decks, just your stack, live.