# Citigroup: Research, patents and partnerships

Source: https://www.bankingnewsai.com/banks/citigroup/ai-research-patents-partnerships
Last updated: Oct 16, 2026

*Part of the [Citigroup AI strategy profile](https://www.bankingnewsai.com/banks/citigroup).*

## What AI patents, partnerships and investments does Citigroup have?

Citi runs a multi-vendor AI stack. Google Cloud is the anchor partner: a multi-year agreement from October 2024 supplies the Vertex AI platform, and Citi Sky is built on Gemini Enterprise Agent Platform with Google DeepMind avatar technology. Stylus Workspaces runs on both Gemini and Anthropic's Claude; Citi takes part in Anthropic's Project Glasswing and says it keeps relationships with Anthropic, OpenAI, Google and Microsoft. Cognition's Devin is its main agentic coding tool, used by 14,000 engineers by October 2026; Palantir works with Citi Wealth on account opening; and Mastercard Agent Pay brings agentic payments to cards. Citi also helps write open-source AI controls at FINOS. Citi Ventures has made more than 200 investments since 2010 and is targeting AI in lending, coding agents and manual knowledge work; Evident counts 77 AI venture deals since 2019, second among US banks. Citibank, N.A. holds a fast-growing AI patent portfolio: grants from 2024 to January 2026 cover agent validation, LLM gateway routing for agents, multi-model RAG, semantic chunking, intent-based LLM ranking and gap analysis of AI use cases, with further applications on agent knowledge registries. ([PR Newswire](https://prnewswire.com/news-releases/citi-and-google-cloud-announce-strategic-agreement-to-modernize-citis-technology-infrastructure-and-drive-innovation-302288231.html), [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html), [Banking Dive](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/10/13/citi-c-q3-2026-earnings-call-transcript/), [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience), [American Banker](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking), [Banking Dive](https://bankingdive.com/news/banks-cloud-providers-ai-governance-standards-finos-citi-morgan-stanley-rbc-bmo/751698), [American Banker](https://www.americanbanker.com/news/lending-coding-manual-work-citi-ventures-places-ai-bets), [American Banker](https://www.americanbanker.com/news/wells-fargo-citi-and-goldman-lead-in-ai-venture-investment), [Google Patents (USPTO)](https://patents.google.com/patent/US12450494B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12536406B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12373441B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12254272B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12406008B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12505352B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260012430A1/en))

## Who are Citi's AI and technology partners?

| Partner | What it is | Since | Status | Sources |
| --- | --- | --- | --- | --- |
| Google Cloud | Multi-year agreement: workloads to Google Cloud; Vertex AI for developer tools, document processing and servicing | October 2024 | In production | [PR Newswire](https://prnewswire.com/news-releases/citi-and-google-cloud-announce-strategic-agreement-to-modernize-citis-technology-infrastructure-and-drive-innovation-302288231.html) |
| Google DeepMind and Gemini | Citi Sky built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology and Gemini live audio and video models | April 2026 | Rolling out | [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html), [WealthManagement.com](https://www.wealthmanagement.com/artificial-intelligence/citi-brings-google-powered-ai-avatar-to-wealth-clients) |
| Anthropic | Claude models in Stylus Workspaces beside Gemini; participant in Project Glasswing | September 2025 | In production | [Banking Dive](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution) |
| Cognition (Devin) | Main agentic coding tool: rolled out to developers from July 2025; 14,000 engineers by October 2026; insourcing cut tech vendor spend 30% | July 2025 | In production | [American Banker](https://www.americanbanker.com/news/citi-is-rolling-out-agentic-ai-to-its-40-000-developers), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/10/13/citi-c-q3-2026-earnings-call-transcript/), [Banking Dive](https://bankingdive.com/news/ai-citi-fraser-wells-fargo-scharf-goldman-sachs-solomon-morgan-stanley-pick-bofa-moynihan-dimon/833087) |
| GitHub Copilot | Coding assistant; Griffiths estimated a 5% to 15% productivity gain | 2024 | In production | [American Banker](https://www.americanbanker.com/news/citi-is-rolling-out-agentic-ai-to-its-40-000-developers) |
| Palantir | Named technology partner, with Google Cloud, for Citi Wealth account opening | April 2026 | Named partner | [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience) |
| Mastercard Agent Pay | Agentic payments in branded cards | June 2026 | Rolling out | [American Banker](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking) |
| FINOS | Open-source common controls for AI services, with Morgan Stanley, RBC, BMO, AWS, Microsoft and Google Cloud | June 2025 | Working group | [Banking Dive](https://bankingdive.com/news/banks-cloud-providers-ai-governance-standards-finos-citi-morgan-stanley-rbc-bmo/751698) |
| Citi Ventures | More than 200 investments since 2010, 125 active; AI targets in lending and underwriting, coding agents and manual knowledge work; 77 AI deals since 2019 | 2010 | Active | [American Banker](https://www.americanbanker.com/news/lending-coding-manual-work-citi-ventures-places-ai-bets), [American Banker](https://www.americanbanker.com/news/wells-fargo-citi-and-goldman-lead-in-ai-venture-investment) |

## Which AI patents has Citi been granted or filed?

Assignee Citibank, N.A. unless noted, from Google Patents. Dates are grant or publication dates. Applications are not granted rights.

| Number | Title | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| US 12,124,486 B2 | Conversational responses using layered data models and gated neural networks | Granted | October 22, 2024 | [Google Patents (USPTO)](https://patents.google.com/patent/US12124486B2/en) |
| US 12,254,272 B1 | Context-aware semantic chunking for information retrieval in large language models | Granted | March 18, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12254272B1/en) |
| US 12,373,441 B1 | Multi-model architecture for retrieval-augmented generation | Granted | July 29, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12373441B1/en) |
| US 12,393,637 B1 | Hierarchical document parsing and metadata generation for machine learning (Citigroup Inc.) | Granted | August 19, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12393637B1/en) |
| US 12,406,008 B1 | Intent-based rankings to generate large language model responses | Granted | September 2, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12406008B1/en) |
| US 12,450,494 B1 | Validating autonomous AI agents using generative AI | Granted | October 21, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12450494B1/en) |
| US 12,505,352 B2 | Identifying and remediating gaps in AI use cases with a generative AI model | Granted | December 23, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12505352B2/en) |
| US 2026/0012430 A1 | Knowledge registry for agentic AI models stored on a distributed network | Published application | January 8, 2026 | [Google Patents (USPTO)](https://patents.google.com/patent/US20260012430A1/en) |
| US 12,530,384 B1 | Response generation for query sets using generative models | Granted | January 20, 2026 | [Google Patents (USPTO)](https://patents.google.com/patent/US12530384B1/en) |
| US 12,536,406 B2 | Dynamic AI agent orchestration using a large language model gateway router | Granted | January 27, 2026 | [Google Patents (USPTO)](https://patents.google.com/patent/US12536406B2/en) |

## What does the Citi profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Sep 28, 2026 | Citi Ventures details its AI investment thesis | Global head of venture investing Arvind Purushotham says Citi Ventures is targeting AI across lending and underwriting, coding agents and manual knowledge work, out of more than 200 investments since 2010 and 125 active portfolio companies; underwriting shifts from pure rules to 'a combination of some rules being applied, but then some artificial intelligence being brought in'. | [American Banker](https://www.americanbanker.com/news/lending-coding-manual-work-citi-ventures-places-ai-bets) |
| Jun 1, 2026 | Agentic AI in cards | Mastercard Agent Pay and Citi Flex Pay capabilities in a card portfolio serving more than 70 million customers. | [American Banker](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking) |
| Apr 22, 2026 | Citi Sky unveiled with Google Cloud and DeepMind | Built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology; English and Spanish at launch; phased rollout to Citigold clients from the summer. | [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html) |
| Apr 9, 2026 | Citi Wealth deploys four AI tools | Portfolio Intelligence (clients), AskWealth CIO, Client 360 and CitiScribe (advisors); Joe Bonanno names Google Cloud and Palantir as technology partners for account-opening work. | [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience) |
| Jul 14, 2025 | Devin coding agents for 40,000 developers | Citi begins rolling out Cognition's Devin to automate software patches, upgrades and language rewrites; agents work only from internal repositories and humans approve all output. Citi Squad had completed 740,000 automated code reviews, about 100,000 hours a week saved. | [American Banker](https://www.americanbanker.com/news/citi-is-rolling-out-agentic-ai-to-its-40-000-developers) |
| Jun 24, 2025 | Citi joins FINOS common controls for AI | FINOS launches an open-source effort to write common controls for AI services; Citi, Morgan Stanley, RBC and BMO work with AWS, Microsoft and Google Cloud, building on the cloud controls Citi led in 2023. | [Banking Dive](https://bankingdive.com/news/banks-cloud-providers-ai-governance-standards-finos-citi-morgan-stanley-rbc-bmo/751698) |
| Oct 28, 2024 | Google Cloud multi-year agreement | Citi will migrate workloads to Google Cloud and use the Vertex AI platform for generative AI in developer toolkits, document processing and customer servicing; Tim Ryan: Google Cloud 'opens up a whole new frontier'. | [PR Newswire](https://prnewswire.com/news-releases/citi-and-google-cloud-announce-strategic-agreement-to-modernize-citis-technology-infrastructure-and-drive-innovation-302288231.html) |

## Common questions

### Which AI companies does Citi partner with?

Google Cloud is Citi's anchor AI partner (Vertex AI since October 2024; Gemini and DeepMind behind Citi Sky). Stylus Workspaces runs Gemini and Anthropic's Claude, Cognition's Devin is the main agentic coding tool, Palantir supports Citi Wealth account opening, and Citi says it keeps relationships with Anthropic, OpenAI, Google and Microsoft.

### How many AI patents does Citi have?

Citi does not publish a count. Google Patents shows at least nine AI-related grants to Citibank, N.A. or Citigroup Inc. from October 2024 to January 2026, on agent validation and orchestration, retrieval-augmented generation, semantic chunking, LLM ranking, conversational AI and AI use-case gap analysis, plus published applications.

### Does Citi use Devin?

Yes. Citi began rolling out Cognition's Devin to its developers in July 2025, with agents reading only internal repositories and humans approving every change. On October 13, 2026 Fraser said 14,000 engineers use Devin, Citi's main agentic coding tool, and that insourcing work cut technology vendor spend by 30% year on year.

### What does Citi Ventures invest in?

Citi Ventures has made more than 200 investments since 2010 and has 125 active portfolio companies. Its global head of venture investing, Arvind Purushotham, said in September 2026 that it targets AI across lending and underwriting, coding agents and manual knowledge work. Evident counts 77 Citi AI venture deals since 2019.
## Deeper on Citi

- [What is Citigroup's AI strategy?](https://www.bankingnewsai.com/banks/citigroup/ai-strategy)
- [How does Citi use AI in wealth management, and what is Citi Sky?](https://www.bankingnewsai.com/banks/citigroup/wealth-management-ai)
- [What technology stack does Citi use for AI?](https://www.bankingnewsai.com/banks/citigroup/technology-stack)


---

Canonical page: https://www.bankingnewsai.com/banks/citigroup/ai-research-patents-partnerships
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (42 authorities, 243 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.