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The world's first Payments Expert Agent

A new approach to modernization, combining our deep payments knowledge with intelligent technologies to deliver change safely and at scale for global banks.
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Rethink Payments Modernization

Meet the Payments Expert Agent

The BA who writes the cleanest code.
The Developer who understands every rulebook.
The QA who thinks like an architect.
The SME who never leaves.
A new way to modernise

Deep expertise delivered where your teams need it most.

The old model relies on large teams. The smart model doesn't need them. 

Powered by our experts and trained on over 500 payments modernization projects globally, our Agent delivers with greater control, confidence and precision.

In payment modernization, standing still isn’t an option. It’s time to leave the old model behind.

 

$10B
Annual spend
Estimated annual spend on payments modernisation globally
83%
Run late
Of payments modernisation programmes exceed their timeline
87%
Over budget
Not because the tech is hard. Because the knowledge isn't captured
Delivering across the full SDLC

Accelerated Development.

From discovery to go-live, we accelerate every stage of your payments modernization program.

Stage 01
Discovery & Analysis

Query all scheme rulebooks, platform documentation, and industry standards. The agent maps the landscape before your team writes a single requirement.

BA Skills System Analyst
01
Discovery & Analysis
Stage 02
Requirements

Aligned to the latest scheme rules, platform behaviour, impacted up and downstream systems and your internal standards. Implementation-ready from the start.

BA Skills QA Skills
02
Requirements
Stage 03
Design & Configuration

Configuration dependencies, scheme edge cases, and platform quirks, all available on demand with full citations to source materials. No more waiting for the specialist stretched across three workstreams.

Dev Skills System Analyst
03
Design & Config
Stage 04
Development

Implementation code generated against platform specifications. Defect triage and root-cause analysis with traceability matrix to project documentation and expected system behaviour.

Dev Skills BA Skills
04
Development
Stage 05
Testing & QA

Comprehensive test scenarios generated from your actual requirements, grounded in real payment flows. Gap analysis, coverage mapping and execution-ready script generation built in.

QA Skills TA Skills
05
Testing & QA
Stage 06
UAT & Validation

Requirements validated against system patterns and scheme rules before they reach UAT. Defects caught early. ISO 20022 messages validated against XSD schemas automatically.

QA Skills System Analyst
06
UAT & Validation
Stage 07
Go-Live & Knowledge Capture

Every interaction, decision, and insight captured as living institutional memory. Knowledge that stays with your organisation long after go-live. The next programme starts where this one left off.

System Analyst BA Skills
07
Go-Live & Knowledge
Hover over each stage to explore
How it works

Four layers. One Agent.

Purpose-built architecture. Each layer adds payments domain specificity that general-purpose AIs cannot replicate.

Layer 1
The Largest Global Library of Payments Documentation

A payments-tuned RAG that draws on the world's largest living library of global payments documentation. 24/7 availability and always up-to-date with the latest industry guides, rules, schemas and XSDs

Scheme Rulebooks Platform Specs Regulatory Docs Clearing House Schema Standards Releases
Layer 2
RedCompass Labs Expert Knowledge

The insights, edge-cases, learnings and outcomes from 500+ complex payments modernization projects with major banks and payments platform vendors.

Expert Annotations Project Outcomes Documentation Interviews Expert Insights Rulebook Interpretations
Layer 3
Platform-Specific Applied Expertise

Structured workflows for each stage of the SDLC across different payments platforms and methodologies. From requirements generation to test automation to defect analysis. Each is purpose-built for payments modernization delivery.

BA Skills QA Skills Dev Skills TA Skills System Analyst Skills
Layer 4
Fine-Tuned Payments Persona Models

A series of small language models fine-tuned to think, query and respond like the world's most experienced payments professionals. Trained on how our experts behave in the real world, the models trace projects, catch edge cases and ask the million dollar questions.

Payments Language Model Payments Reasoning Model Fine-Tuning Reinforcement Learning
Case study

Ten weeks became two days.

Working with a Tier 1 North American bank, the Payments Expert Agent delivered two regulatory workstreams in 16 hours. Traditionally, that work consumes six to ten weeks of a senior team with multiple SMEs running in parallel.

Audit-ready. Fully traced. Every claim citation-backed, from regulatory mandate through to test case.
127
Artefacts delivered
100% accuracy.
2 days
End-to-end effort
One Product Owner + our Agent
100%
Fully traced
Auditable, immutable logs

We know your CISO will have questions.

Security is architecture, not afterthought. Our Agent is built for regulated environments from the ground up.

Contained
Deployed inside your environment

The Payments Expert Agent can be deployed inside your cloud environment. Your data perimeter. No data leaves. No third-party exposure. Supports on-site deployment or hosted segregated tenancy.

Governed
Human-in-the-loop by design

Experts stay in the loop on all outputs. The Agent supports human judgement, it doesn't replace it. Every AI-assisted output can be reviewed before sign-off.

Tracable
Full traceability and citations

Every output is traceable to it's source. Every recommendation has a citation. Immutable logs. Explainable outputs. Designed for regulatory scrutiny.

Certified
Enterprise-grade certifications

ISO 27001. SOC 2 Type II. NIST CSF aligned. Inference-only. The agent never trains on your data. Zero-retention available.

Three ways to deploy
Client-Hosted Deployment

Run agents inside your own cloud tenancy under your identity, network, and logging policies.

Secure Web Portal (SSO)

Named users, role-based access control, full audit trail.

API / MCP Integration

Call the agent from your existing AI interface or orchestration layer. Model-agnostic.

Generic AI makes your teams faster. We make them right.

Measurable impact across every role on your payments programme.

Smaller teams, bigger output

Deliver more programmes with fewer people and greater accuracy. Directly relevant whether you're running SEPA Instant, FedNow, RTR, RTP or platform upgrades, migrations, fixes or building your own system.

Less rework

Requirements validated against scheme rules before they reach design. Test cases grounded in real payment flows. Errors caught early, not in UAT.

Measurable impact

We measure value through the Built-By-AI rate: the percentage of a project's artefacts produced by the agent and validated by experts. Higher BBai = faster delivery, fewer defects.

SME time protected

Your senior specialists stop being the bottleneck. The agent handles the 80% of the knowledge retrieval. Your experts focus on the 20% that needs human judgement.

Knowledge that stays

Every interaction, document, and insight is captured. A living knowledge repository that stays with your organisation long after go-live.

Faster onboarding

New team members get contextual, accurate answers about platform behaviour and configuration from day one. Months of ramp-up compressed.

The questions you should be asking.

If your team hasn't asked these yet, your competitors' teams have.

Built for it. SOC 2 certified. ISO 27001 compliant. NIST CSF aligned. Segregated tenancy by design. Inference-only — the agent never trains on your data. Supports on-site deployment within your own infrastructure. Zero-retention option available.
Human-in-the-loop is a prerequisite, not an option. Every AI-assisted output is reviewed by your teams before sign-off. All sources cited. Immutable logs. Explainable outputs. Designed for the most demanding regulatory environments.
No. It makes them dramatically more capable. The agent handles the 80% that's knowledge retrieval and structured analysis. Your people focus on the 20% that requires human expertise and judgement. The result is smaller teams delivering more, faster, with greater accuracy.
Those are general productivity tools. They don't know your payment platform, your scheme rules, or how your system processes a specific flow. The Payments Expert Agent is domain AI: 30,000+ curated payments documents, codified expert methodology, platform-specific skills, and fine-tuned models trained on real expert output. Complementary to your existing tools, not competing with them.
The agent works at two levels: cross-functional payments intelligence that applies to any platform, plus platform-specific capabilities. The same architecture extends to all platforms. And it's model-agnostic — no lock-in to a single AI vendor.
That's fine. A pilot doesn't need to touch production. We can run against a completed workstream retrospectively — regenerate test cases for a past release and measure coverage improvement. Low risk, high signal.
General models do, especially in specialist domains. The Payments Expert Agent is grounded in curated domain knowledge with cited sources. It includes domain-tuned models trained on real expert output, not generic web data. Every output is traceable to verified documentation. Human-in-the-loop oversight is built in.

Ready?

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