Build AI-native financial products that work autonomously for your customers and keep improving.
Automation under your control, for delivery and for self-improvement: agents build and run the product, agents keep improving it, and your people release.
For banks, retailers and businesses embedding financial services.
- Brain and both loops running in TERO's factory.
- Founders ran a regulated cards and lending business for nine years.
- No model owns a balance.
These are examples of the ground we know, not a limit on what we can create.
Self-improving automation, governed by two loops.
Two loops make that possible. The customer loop runs inside the product: it notices, proposes with the reason, acts only within the permissions the customer sets, explains what it did, and can undo it. The improvement loop runs around the product: the TERO Brain reads what happened, proposes a fix, an improvement or an addition, builds it in a sandbox, tests prove it — or it never leaves the sandbox — and a named person on your side releases it, or not. One set of rules governs both: irreversible actions always ask; nothing is released without a person on your side; no model ever owns a balance. Underneath, one picture of the customer's money: cash, card, plans, and whatever else you connect.
Built to run thousands of agents at once: building the product, serving your customers, improving it every week — under one set of rules and your people's release.
Illustrative example of one night of the improvement loop, not a client record.
Agents build, tests prove, your people release.
Agents build, tests prove, people release — the same loop we install in your product is the one we build it with, and it runs on our own factory today. The agents start from components that already know banking: onboarding, KYC, cards, ledger, instalments, servicing, disputes, collections. Ledger, limits and rules are code, never a model; proposals and explanations are where the model lives. Code does not drift. We do not build what is proven — issuer processing, network programmes, identity vendors — we build the product and the loops.
Get a first release in weeks.
Blueprints, not inherited code.
Your systems, your data, your boundary.
TERO is built to operate inside the security and control requirements of financial institutions. When the work demands it, TERO can develop on-premise, stand up a dedicated client environment for development and runtime, and run improvement loops on local models, so client data, repositories, IP and business knowledge are not shared with external or frontier models.
Inside your walls: a dedicated instance, on-premise development where the work demands it, local models where you require them. Your data never trains anyone's model. Model-agnostic by design. You own the product, the code, the evals and the Brain, and you can leave at any time with all of it. Register-of-information data, sub-processor chain and exit plan on request.
Start TERO-run, run it together, or take the controls. The loop is built to be handed over; your decision rights never move.
What is hard.
- An AI that proposes changes to a regulated product must be explainable to the customer and to the regulator in the same words — so the audit and reason trail is designed in, not retrofitted.
- Models drift and code does not — so the deterministic and the probabilistic parts are split.
- A loop can optimise the wrong thing — so guardrail metrics carry equal force to the KPI.
Your product, improving every cycle.
Every loop is built against a number the business owns.
- Onboarding & activation → approval-to-activation rate
- Servicing & disputes → cost to serve
- Platform reliability → incidents and time to fix
A Brain you can query.
A dedicated TERO Brain holding your product's context, decisions and learning. You can query it.
What we build.
The team
A proven fintech team of founders, builders and operators.
We have built companies, launched and operated financial products and platforms serving millions of customers across multiple markets, and taken propositions from idea to market validation, scale and exit.
TERO brings together startup founders and senior operators from fintech and international banking. We designed novel product propositions, built the technology behind them, launched them into market and ran the large-scale financial operations that support them.
Many of the people building TERO have worked together through these stages before. Product, engineering, payments, credit, operations, cloud and partnerships come together as one experienced team.