Banking OS for the AI economy
One banking stack. Three actors.
Five products. Zero banks.
Banki is the infrastructure layer that connects individuals, AI features inside your account, and businesses — payment, credit, DeFi earning, membership and rewards in one OS.
Five products
One stack. Every surface.
Pay, hold, earn, borrow, get rewarded. Same account, same wallet, same API.
Pay
P2P, deposit, withdraw
Card
4 tiers, virtual to 18K gold
Earn
DeFi yield on idle stablecoins
Credit
On-chain line vs. ETH collateral
Points
10-tier VIP + redemption
Three actors
Connected through the OS
Each actor gets a tailored API surface. The OS handles the rest — settlement, FX, KYC, custody, audit.
For individuals
Your money. Across every chain, every currency.
Receive stablecoin from anywhere
Virtual + physical card, Apple Pay, ATM
Earn yield on idle USDT/USDC
Borrow against crypto collateral
Climb the 10-tier VIP ladder
For your AI
AI features built into your banking.
AI Insight on BankiPay (LLM-powered)
Unified Chat with 10 model providers
AI-assisted Approvals & Anomalies
Prepaid token wallet (1 USD = 200 tokens)
Swap active model anytime
For businesses
Accept, pay out, earn on float. One API.
Card acquiring + stablecoin checkout
Payout to vendors globally in 1 currency
Earn DeFi yield on idle treasury
Multi-tenant team access (SaaS)
KYB, audit log, role-based access
What it does
Capabilities the OS gives you
Concrete, shipping features — not roadmap promises.
AI Insight on BankiPay
LLM-powered insight card on the Pay dashboard. Uses your active provider — change anytime.
4-tier card ladder
Virtual → Physical → Metal → 18K Gold. ATM PIN, freeze, lost-card replacement, topup from BankiPay.
On-chain credit line
Draw USD against WETH collateral via Kaiju. No paperwork, no fixed schedule. Safe-LTV liquidation only.
DeFi yield on stablecoins
Idle USDT/USDC earns yield through vetted protocols. Withdraw anytime, no lockup.
10-tier VIP ladder
VIP1–VIP9 + VVIP. Earn multipliers 1×→5×. Lower fees, Priority Pass, concierge at top tiers.
Unified Chat · 10 LLMs
OpenAI, Anthropic, Google, MiniMax, DeepSeek, xAI, Groq, OpenRouter, Cohere, Perplexity.
Use cases
What people do with it
Three actors, three real scenarios.
5
Product pillars
10
LLM providers
0.25%
P2P transfer fee
$0
Free for VVIP