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Tuvel Advisor: a money advisor for every customer.

It lives in your app and can act for customers, within limits the customer and your bank set.

Book a 30-min walkthroughOpen the live demo

Try the two keys here, then explore the full advisor in the live demo.

Try it

Sample data, US dollars
The customer asks to
Customer allows
1 advice only, 5 most freedom
Your bank allows up to
Set per customer group

Pay the electricity bill.

City Power $112

Asks the customer to tap.

The customer allows 4, your bank allows up to 3, so it asks.

Record of this decision
  1. Request: “Pay the electricity bill.”
  2. Sent to the Finance Manager
  3. Customer allows: 4
  4. Bank allows up to: 3
  5. Cap: $600 per payment, within
  6. Decision: asks the customer to tap

Sample data

Customers already talk to their bank’s assistant.

37%

of Americans were estimated to have used a bank’s chatbot in 2022.

CFPB, 2023
3 billion+

client interactions with Bank of America’s assistant since 2018.

Bank of America, 2025
9 in 10

of DBS assistant queries resolved without a follow-up.

DBS, July 2026

One advisor, specialists behind it.

Customers talk to one advisor by voice or text, under your name. Each question goes to the specialist whose job it is, and comes back in one voice with a card and a next step.

English and ten Indian languages through Sarvam, plus several international languages.

One advisor, by voice or text, in front of a Finance Manager, a Credit Advisor, a Wealth Advisor and the bank’s own agents, which can only propose. Every money action passes the gate, where both keys are checked, and every step is recorded.OneadvisorVoice or text, underthe bank’s nameFinance ManagerBudgets, bills,cash flowCredit AdvisorLoans, cards,creditWealth AdvisorPortfolio andinvestmentsYour agentsPropose only;the customer tapsGate: both keys checked before any money actionRecord: every turn, tool call and gate decisionOne advisor, by voice or text, in front of a Finance Manager, a Credit Advisor, a Wealth Advisor and the bank’s own agents, which can only propose. Every money action passes the gate, where both keys are checked, and every step is recorded.OneadvisorVoice or text, under the bank’s nameFinance ManagerBudgets, bills,cash flowCredit AdvisorLoans, cards,creditWealth AdvisorPortfolio andinvestmentsYour agentsPropose only;the customer tapsGateBoth keys checked before any money actionRecordEvery turn, tool call, gate decision

Finance Manager

Keeps day-to-day money in order.

  • Tracks spending and sets budgets that fit
  • Reminds about bills before they are missed
  • Spots cash sitting idle

Credit Advisor

Makes borrowing clearer and cheaper.

  • Explains credit standing in plain words
  • Finds balance transfers that cut interest
  • Answers loan and card questions any time

Wealth Advisor

Puts what is left over to work.

  • Profiles risk in a few questions
  • Suggests funds that match the profile
  • Reviews the portfolio and flags concentration

Your own agents

Whatever your bank wants to add.

  • Connected through OpenAPI or MCP
  • See only the details you grant
  • Can only propose; the customer taps

Two keys on every money action.

The customer holds one key, a level from 1 to 5. Your bank holds the other: the ceiling per segment and caps per payment and per day.

Two keys. The customer’s key is the level they choose, 1 to 5. The bank’s key is the ceiling for the customer’s segment and caps per payment and per day. The gate checks both: a money action at level 1 is refused; commitments and anything outside both keys wait for the customer’s tap; at levels 4 and 5, known payments within limits run from the agent card and then tell the customer. With no bank rules saved, nothing runs alone.Customer keyThe level they choose,1 to 5Bank keyCeiling for the segment,caps per payment and dayGatechecks both,when it runsRefusedA money actionat level 1Waits for a tapCommitments, people,new merchants, levels 2–3Runs, then tells themKnown payments from theagent card, levels 4–5With no bank rules saved, nothing runs alone.Two keys. The customer’s key is the level they choose, 1 to 5. The bank’s key is the ceiling for the customer’s segment and caps per payment and per day. The gate checks both: a money action at level 1 is refused; commitments and anything outside both keys wait for the customer’s tap; at levels 4 and 5, known payments within limits run from the agent card and then tell the customer. With no bank rules saved, nothing runs alone.Customer keyThe level they choose, 1 to 5Bank keySegment ceiling, caps per payment and dayGatechecks both keys when an action runsRefusedA money action at level 1Waits for a tapCommitments, people, new merchantsRuns, then tells themKnown payments from the agent card, levels 4–5No bank rules saved: nothing runs alone.

  1. Level 1: Observer

    Explains and informs. Moves no money.

    Available now

  2. Level 2: Assisted

    Suggests and drafts. Every money action waits for the customer’s tap.

    Available now

  3. Level 3: Practitioner

    Prepares the action, ready to confirm in one tap.

    Available now

  4. Level 4: Senior

    Pays known bills and known merchants from the agent card, within the customer’s limit, then tells them. Anything new still asks.

    Available now

  5. Level 5: Principal

    Also turns on autopay and starts monthly investments within the limit, then tells them. Card payments work as at level 4.

    On the roadmap

What always waits for a tap.

At every level, whatever the bank allows. Each tap confirms one exact amount to one exact payee; PINs and one-time codes stay out of AI models, and money maths is done in code.

  • Credit applications
  • Balance transfers
  • Redemptions
  • Lump-sum investments
  • Loan prepayment
  • Any payment to a person
  • Any payment to a merchant the customer has not paid before

Tuvel Agent Card.

A prepaid card only the advisor pays from, so small known payments never touch savings. Available now

A sample agent card: prepaid, paid from only by the advisor, holding $120, with a freeze switch. A sample card.Your bankAgent card•••• •••• •••• 4821Balance$120Paid from byYour advisor onlyOnFreeze in one tap
  • Loaded by the customerafter they authenticate. It never pays from savings.
  • $120 by defaultand never more than $2,400 on the card.
  • Payments to peoplecapped at $120 a month, and each one waits for a tap.
  • Freeze in one tapUnfreezing or loosening a limit needs authentication.
  • Every reveal loggedEach time the card details are shown, it is recorded.
  • Inside the two keysThe card pays only within the customer’s level and the bank’s rules.

Tuvel Agent Card, in full

Six customer journeys.

Each one ends with what it means for your bank.

  • Salary day

    Priya, Mumbai
    My salary’s in. What should I do with what’s left?

    Finance Manager, Wealth Advisor · Level 2, Assisted

    For the bank: Investment conversations that start from everyday salary accounts.

  • The bill that paid itself

    Rajiv, Singapore
    Anything due this week?

    Finance Manager · Level 4, Senior On the roadmap

    For the bank: Fewer missed bills, and fewer calls about them.

  • A loan question, in Hindi

    Ramesh, Lucknow
    मेरे लोन की किस्त कब है, और कितनी है?When is my loan instalment due, and how much is it?

    Credit Advisor · Level 1, Observer

    For the bank: Answers in the customer’s own language, without a branch visit.

  • A portfolio check-in, by voice

    Omar, Dubai
    How’s my portfolio doing? Am I too heavy in one place?

    Wealth Advisor · Level 3, Practitioner

    For the bank: Relationship-style reviews between adviser meetings, for every client.

  • A balance transfer, in plain words

    Sara, New York
    Why is my card interest so high? Can I pay less?

    Credit Advisor · Level 2, Assisted

    For the bank: Credit offers customers understand before they say yes.

  • A budget in her own currency

    Emily, London
    Help me set a budget I can actually stick to.

    Finance Manager · Level 3, Practitioner

    For the bank: One advisor for every market and currency you serve.

Advisor use cases by institution

Questions.

What is Tuvel Advisor?

A money advisor in your bank’s app, under your brand. Customers talk to it by voice or text, and specialists for spending, credit and investing answer behind one voice. It acts only within the level the customer chooses and the ceiling and caps your bank sets.

Can the advisor move money on its own?

At levels 1 to 3, every money action waits for the customer’s tap, bound to the exact amount and payee. Paying known bills and merchants without a tap at levels 4 and 5 is on the roadmap, and even then only within both keys.

Which languages does the advisor speak?

English and ten Indian languages through Sarvam, plus several international languages, by voice or text.

Can we add our own agents behind the advisor?

Yes. Your agents connect through OpenAPI or MCP, see only the details you grant, and can only propose. The customer taps.

See it in 30 minutes.

A walkthrough with the people who built it, on the desk or journey you choose.

Book a 30-min walkthroughPick a time (opens the booking calendar in a new tab)

Or write to demo@tuvel.co.