UPTIQ

What UPTIQ does

Uptiq is an intelligent operating layer that unifies growth, origination, and continuous service suites for financial institutions. It orchestrates systems, processes, and teams without replacing existing infrastructure. Uptiq's AI agents handle operational work in banking and lending, allowing teams to focus on decisions and relationships. The platform, Qore, connects to existing systems, enabling fast deployment of purpose-built agents. Uptiq emphasizes security and governance, with built-in auditability, policy adherence, and explainability for regulatory compliance. It offers pre-built, domain-trained agents and an AI Workbench for building custom agents, designed to enhance operational efficiency and maximize team capacity.

Products

• Qore: The Operating LayerCoordinates financial work across systems with built-in governance, acting as the intelligence layer for financial services and the AI platform under every Uptiq agent.
• Agents: Digital WorkersAutonomous financial operators that execute complex workflows across systems with precision, auditability, and human oversight. These are domain-trained, intelligent digital workers that execute complex banking tasks under human supervision 24x7x365.
• Suites: Packaged SolutionsPre-built solutions that combine intelligent agents, powerful orchestration, and purpose-built functionalities for specific financial processes.
• Growth SuiteHelps financial institutions know and grow their customers with 360-degree intelligence, propensity models, automated outreach, and customer lifetime value modeling.
• Origination SuiteAutomates loan decisions and onboarding processes, compressing manual credit work into a seamless, compliant digital flow with automated document ingestion, AI-assisted underwriting, and same-day decisioning.
• Continuous Service SuiteEnables continuous monitoring and service for customers, providing real-time portfolio health monitoring, early warning systems for credit deterioration, automated collections, and ongoing regulatory compliance checks.
• AI Mortgage Processing AgentAutomates manual intensive tasks in mortgage processing, including document processing, compliance checks, and scalability without overhead.
• Agentic LOS (Loan Origination System)An AI-powered system for loan origination, featuring document ingestion, extraction, intelligent rule engines, anomaly detection, and AI-guided approval. Used to streamline customer onboarding, automate repetitive tasks, embed finance capabilities for vendor partners, and gain real-time visibility into pipeline bottlenecks and risk flags.

Key capabilities

• AI agents for operational work
• Qore AI platform for financial services
• Pre-built, domain-trained agents
• Security & Governance built for audit
• Auditability with traceable decision trails
• Governance with policy adherence and human checkpoints
• Explainability of AI conclusions
• Multi-model AI
• Workflow automation
• Human-in-loop for end-decisions
• Role-based access
• 100+ integrations across existing systems
• 36+ pre-built agents
• AI Workbench for building custom agents
• No-code AI agent builder
• Drag, drop, test, and deploy agents
• Plug-and-play APIs
• Seamless integrations with Salesforce, ERPs
• Automated document ingestion & extraction
• AI-assisted underwriting
• Compliant digital KYC/KYB & AML
• Real-time portfolio health monitoring
• Early warning system for credit deterioration
• Automated collections & hardship workflows
• Ongoing regulatory compliance checks
• Intelligent Workflow Engine
• Automatica for routing tasks across LLMs
• Built-in compliance & governance
• Continuous compliance
• SOC2 Type II certification (by 04/01/2025)
• CCPA compliance (by 04/01/2025)
• Penetration test reports
• Information security policy
• Data classification policy
• Production data use restrictions
• Change management policy
• DevOps security
• Post release security certification
• Segregated environments
• Business continuity plan and disaster recovery testing
• Frequent internal and external penetration testing
• Defined roles and responsibilities
• Unified cybersecurity platform and enterprise grade security
• Data encryption at rest and in transition
• Risk assessments
• In-house and outsourced vendor risk management
• Whistleblower program
• Bug bounty program
• Principle of least privileged access
• Red team and blue team testing
• Explainable AI experience
• Socially responsible AI algorithms
• LLM Agnostic platform
• Reduces hallucination risk
• Automated document processing
• Instant compliance checks
• Scalability without overhead
• AI-powered document ingestion & extraction
• Natural Language Processing (NLP) models
• Knowledge-graph-backed RAG (Retrieval-Augmented Generation) layer
• Intelligent rule engine
• Anomaly-detection algorithms
• AI-guided approval
• Conversational AI assistant
• Automated AI credit scoring
• Embedded AI referral & vendor management

Use cases

• Activating revenue across prospecting, onboarding, and relationship expansion
• Moving from intake to decision to close with compliant credit execution
• Scaling portfolio oversight, exception handling, and ongoing monitoring
• Automating decisions, coordinating workflows, and acting on intelligence
• Commercial loan application to decision process
• Lending and underwriting transformation
• Risk monitoring
• Client engagement
• Loan decisions automation
• Portfolio monitoring for early warnings
• KYC/AML processes
• Credit analysis
• Collections
• Document extraction
• Customer service
• Risk monitoring
• Deepening existing customer relationships
• Identifying moments to grow customer relationships
• Automated document ingestion and extraction for applications
• AI-assisted underwriting
• Same-day decisioning and account activation
• Real-time portfolio health monitoring
• Early warning for credit deterioration
• Automated collections and hardship workflows
• Ongoing regulatory compliance checks
• Mortgage loan processing capacity increase
• Reducing manual document review effort
• Faster credit memo preparation
• Streamlining customer onboarding with digital applications
• Automating repetitive tasks like credit scoring and compliance checks
• Embedding finance capabilities for vendor partners
• Gaining real-time visibility into pipeline bottlenecks and risk flags
• Automating expense management

AI approach

Uptiq provides an intelligent operating layer for financial services, utilizing AI agents and an orchestration engine called Qore. Qore combines large language models, workflow logic, and banking-grade compliance controls. The platform is LLM Agnostic, allowing routing tasks across multiple LLMs based on use case, cost, and accuracy. It emphasizes explainable AI, auditability, and human oversight. Uptiq offers pre-built, domain-trained agents and an AI Workbench for institutions to build their own agents.

Tech named: AI agents, Qore, Large Language Models (LLMs), Natural Language Processing (NLP), Retrieval-Augmented Generation (RAG), Machine Learning (ML), Anomaly Detection

Industries served

• Financial Services
• Banking
• Credit Unions
• Wealth Management
• Non-Bank Lenders
• Equipment Finance Companies
• Private Credit Companies
• FinTech
• Mortgage

What it says sets it apart

• Intelligent operating layer that unifies growth, origination, and continuous service suites
• Orchestrates systems, processes, and teams without replacing existing infrastructure
• AI agents handle operational work, freeing up human teams for decisions and relationships
• Qore platform connects to existing stack with no rip-and-replace required
• Built for audit from day one with security and governance for regulators
• Auditability, governance, and explainability for every agent action
• Pre-built, domain-trained agents for quick deployment
• AI Workbench for building custom agents quickly and efficiently
• Deep domain expertise in financial services
• Trusted by over 140 financial institutions
• Processed over $10 billion in transactions
• Secured over $55M in equity funding
• Enterprise-ready AI platform
• Rapid results through easily deployable AI agentic apps
• Comprehensive AI security measures including SOC 2 Type II and CCPA compliance
• LLM Agnostic platform with human-in-the-loop for end-decisions to minimize bias
• Reduces hallucination risk using sub-agents with task-specific workflows
• Extensive integration capabilities with 100+ integrations and 80+ pre-integrated apps
• Offers a free plan for building and deploying AI tools and agents

Funding rounds we track

From the AI funding tracker — rounds as reported by the linked publications.