BankIA
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.
BankIA
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.
What needed to be solved
Traditional financial processes — document analysis, credit approval, auditing — depend on slow, error-prone manual review with no centralized traceability.
How we tackled it
AI-first financial architecture with role-based access control (RBAC) and modular design, built to automate document analysis without sacrificing audit trails or security.
System components
Automated financial document analysis
Admin dashboards
Approval workflows with traceability
RBAC security and modular architecture
Bank-grade software, under your brand, at the price of a subscription.
BankIA has just been published and almost nobody knows it yet. It is a family of five financial platforms — digital bank, savings groups, cooperatives, credit studies and accountants — built on one engine: money in exact arithmetic (never floating point), AI proposes and people decide, white label with its own instance and four languages. What a small institution could never afford, jsadsAI put within anyone's reach.
Clear, published prices with no surprises: NatIA Ahorro from USD 5.99 per person a month; BankIA and CooperativIA are purchased under your brand with a USD 999 (COP 990,000) monthly support fee. jsadsAI's rule: cover maintenance and a small margin, nothing like what the market charges for banking software.
Visit BankIA ↗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.
- 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).
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 accounts
Balances per currency, categorized movements, a receipt for every operation, statements and bank certification.
See the banking platform ↗Controlled transfers
Fees, currency exchange and daily limits computed on the server; every operation lands in the ledger.
Cards with controls
Freeze, disable online purchases, foreign use and ATMs, daily cap, PIN and travel notice.
Budgets and goals
Spending by category, caps with alerts at 80% and 100%, savings goals tied to the budget.
Loans, term deposits and simulator
Amortization table, usury cap, fixed-term deposits, scheduled payments and a loan simulator.
Easy pay and collect
Send by @user key or verified email, collect with link and QR, pay services with receipt.
Security center
Devices and sessions with remote sign-out, history, email alerts, push and two-step verification.
Identity verification
Client onboarding with documents and team review before enabling operations.
Console with dual control
Users and roles, dual-control approvals, reports, rates, fees and an audit of every action.
Enter the console ↗A family of five platforms
NatIA Ahorro, CooperativIA, DatIA Recaudo and ContIA Intelligence share security, exact calculations, languages and the way AI is used.
See the five platforms ↗Colombia indicators
Exchange rate and usury rate with source and date, auto-updated; no number is ever invented.
BankIA control center
Health of the seven instances, KPIs and a read-only API/MCP connected to the jsadsAI Command Center.
Control center ↗From the decision to your instance in operation
Choose package and brand
Name, logo, colors, vocabulary and country. Standard platform or with customization.
We create your instance
Own domain, separate database and scheduled jobs, on the same codebase as the whole family.
Testing with your team
We walk through the flows with test data before any real use.
Your institution operates
Monthly support and updates; every improvement reaches all instances through the same channel.
Clear, published prices with no surprises
As published on bankia.jsadsai.com/precios. All monthly fees include updates, technical support, white label and your own instance.
BankIA · purchase under your brand
USD 999 / month support · COP 990,000
One-time platform purchase plus a monthly support and updates fee. With customization (logo, name, vocabulary, colors and own rules): purchase + customization from USD 2,999 (COP 1,900,000).
See prices ↗NatIA Ahorro · per person
From USD 5.99 / month
Savings groups: saver 9,900 COP, 109.99 MXN or 5.99 USD a month; external borrower 4,990 COP, 54.99 MXN or 2.99 USD. Up to 300 people per group.
NatIA plans ↗DatIA Recaudo and ContIA
Quoted at launch
Credit studies and intelligence for accountants, under construction. The waiting list gets launch conditions.
Join the waiting list ↗Demo version: the platform does not operate with real money yet and subscription billing uses a simulated gateway until commercial launch. Taxes are stated in the quote.
AI helps. Decisions and money belong to people.
- AI proposes, people decide. Approving a loan, moving money or filing a return is always done by a named, accountable person.
- Code does the math. Installments, interest, ratios and taxes in exact decimal arithmetic with verifiable rules. AI never computes figures.
- Every figure has evidence. What AI reads from a document carries its source page and confidence level.
- No black boxes. Suggestions explain why they appear and can be dismissed; everything is audited.
- Verified security. Parameterized queries, CSRF protection, strict headers, a ledger that is compensated rather than edited, dual control and automatic rollback on every deployment.
- It does not operate with real money: balances and operations are simulated in the demo version.
- It does not connect to card networks: controls keep state and notify, they do not block on a payment network.
- It does not send SMS and has no real billers yet.
- It has no deposit insurance: BankIA is software, not a financial institution.
All of BankIA, link by link
Every section lives on the project's official site. From here you go straight to it.
What people ask about 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.
It is purchased under your brand (one-time) with a monthly support and updates fee of USD 999 or COP 990,000. With customization of logo, name, vocabulary, colors and rules: purchase + customization from USD 2,999 or COP 1,900,000. Prices are published at bankia.jsadsai.com/precios.
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.
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.
Spanish, English, Portuguese and Quebec French, with country packages (currency, legal and company) for 20 countries, dark mode and AA-contrast accessibility.
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.
Live at bankia.jsadsai.com with its own control center (health, KPIs and a read-only API/MCP for the jsadsAI Command Center); NatIA Ahorro and CooperativIA published; DatIA Recaudo and ContIA under construction.
Services this project demonstrates
These are not related topics: they are the systems actually built in this project, available as services.
Category: AI-first fintech · financial infrastructure. To learn the full scope and how to apply a similar approach to your business, write to us — no strings attached.
Have a similar idea?
Let's design the architecture to turn your idea into a platform, automation or profitable digital asset.
A real human replies. No spam. Free initial diagnostic.