AI-first fintech · financial infrastructure

BankIA Banco

AI-powered white-label financial platforms for savings groups, cooperatives, banks, credit studies and accountants: BankIA, NatIA Ahorro, CooperativIA, DatIA Recaudo and ContIA Intelligence. Exact money (never floating point), human decisions, auditing and RBAC. Live at bankia.jsadsai.com.

See plans and buy Try the original ↗
What is included

A digital-banking platform with your brand and your rules

BankIA is a client portal plus an administrative console, with every money rule computed on the server and not in the browser. You change the name, logo, colors and vocabulary, and receive your own instance with a separate domain, database and scheduled jobs.

Today it includes multi-currency accounts, transfers with controlled fees and limits, cards with freeze and caps, budgets and goals, loans with amortization tables and usury caps, term deposits, payments by @user key and QR, a security center with two-step verification, identity verification and four languages with dark mode and AA contrast.

BankIA is software: it does not take or hold money. Each contribution goes straight from the client to the institution's own account; the platform records, dates and reconciles it. The institution using it is responsible for its license, operation and regulatory compliance.

Who it is for

  • Banks and fintechs that want a complete platform of their own, ready to adapt.
  • Cooperatives and funds that need loans, contributions and compliance under their brand.
  • Savings groups (with NatIA Ahorro).
  • Credit analysts and accountants (with DatIA Recaudo and ContIA Intelligence).

Requirements and delivery

  • Assisted installation by jsadsAI on a server (VPS) of yours or ours.
  • Assisted installation by jsadsAI on a server (VPS) of yours or ours.
  • Brand, domain, countries and languages are set when your instance is created.
  • Priced in US dollars: charged in Colombian pesos at the exchange rate of the day.
Modules

What it includes today

All of this already works on the platform. What is not there yet, we say under "Limits of the current version".

Multi-currency accountsBalances per currency, categorized movements, a receipt for every operation, statements and bank certification.
See the banking platform ↗
Controlled transfersFees, currency exchange and daily limits computed on the server; every operation lands in the ledger.
Cards with controlsFreeze, disable online purchases, foreign use and ATMs, daily cap, PIN and travel notice.
Budgets and goalsSpending by category, caps with alerts at 80% and 100%, savings goals tied to the budget.
Loans, term deposits and simulatorAmortization table, usury cap, fixed-term deposits, scheduled payments and a loan simulator.
Easy pay and collectSend by @user key or verified email, collect with link and QR, pay services with receipt.
Security centerDevices and sessions with remote sign-out, history, email alerts, push and two-step verification.
Identity verificationClient onboarding with documents and team review before enabling operations.
Console with dual controlUsers and roles, dual-control approvals, reports, rates, fees and an audit of every action.
Enter the console ↗
A family of five platformsNatIA Ahorro, CooperativIA, DatIA Recaudo and ContIA Intelligence share security, exact calculations, languages and the way AI is used.
See the five platforms ↗
Colombia indicatorsExchange rate and usury rate with source and date, auto-updated; no number is ever invented.
BankIA control centerHealth of the seven instances, KPIs and a read-only API/MCP connected to the jsadsAI Command Center.
Control center ↗
Plans and prices

Pick your plan

Official prices from the jsadsAI catalog. Payment is in Colombian pesos through Wompi; a price in US dollars is converted at the exchange rate of the purchase day.

BankIA Banco · Licencia

Plataforma bancaria en marca blanca con IA: venta de la plataforma, pago único.

BankIA Banco · Módulo a medida · from USD 2.999 · quoted — ask

You pay on Wompi. The jsadsAI Core creates the order and we email you the confirmation. Taxes and scope are confirmed at checkout.

Add-ons and modules

They are added to the plan you pick, above.

BankIA Banco · Soporte y actualizacionesSoporte y actualizaciones de la instalación, por mes.
USD 999 / month
BankIA Banco · Módulo a medidaDesarrollo a medida: desde este importe, se cotiza.
From USD 2.999
Versions and updates

Current version and how we notify you

Current version: will be published with the product manifest before sale

  • Semantic versioning (MAJOR.MINOR.PATCH) for every product; each sale records the version delivered.
  • Patches and minors (fixes and improvements that do not change how you work): announced and installed on a schedule, with a prior backup and rollback.
  • Majors (change screens or flows): announced 30 days ahead with release notes; you may stay on the previous version, with security support for 12 months for the last minor of each major, or contract a custom module that keeps the old behavior.
  • An update never removes your data or modules you paid for.
Documentation and support

Everything you need to know

Support and FAQ

The contract, manual and getting-started guide of each product are delivered with the license; they will appear here once published.

FAQ

Before you buy

What is BankIA?

BankIA is a white-label digital-banking platform created by jsadsAI | José Santamaría: a client portal and an administrative console with multi-currency accounts, transfers, cards with controls, loans with usury caps, KYC and auditing, on an engine with money in exact arithmetic. It is the base of a family of five platforms: BankIA, NatIA Ahorro, CooperativIA, DatIA Recaudo and ContIA Intelligence. It is live at bankia.jsadsai.com.

Is BankIA a bank or does it take money?

No. BankIA is software: it does not take or hold money and has no deposit insurance. Every contribution goes straight to the account of the institution using the platform, which is responsible for its license and compliance.

How does it use artificial intelligence?

With four rules: AI proposes and people decide; code does the math in exact decimal arithmetic; every figure read from a document carries its evidence; and there are no black boxes: every suggestion explains its reason and is audited.

Which languages and countries does it support?

Spanish, English, Portuguese and Quebec French, with country packages (currency, legal and company) for 20 countries, dark mode and AA-contrast accessibility.

Does it already operate with real money?

Not yet: it is a demo version. It does not connect to card networks or send SMS, and billers are test ones. Real collection is connected case by case at commercial launch.

Need something different?

Tell us your case: we quote the installation, the modules and the support that fit you.

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