Sells credit unions and community banks AI agents for voice, chat and staff assistance, and since 2026 an AI-led contact-centre platform, positioned as banking-specific automation for institutions without large in-house AI teams.
What is interface.ai, and which banks use it?
interface.ai, founded in 2019 by Srinivas Njay and Bruce Kim and based in Palo Alto, sells credit unions and community banks AI voice, chat and staff agents on its BankGPT platform, plus Nexus, an AI-led contact centre launched in April 2026. It was bootstrapped until a $30 million round led by Avataar Venture Partners in October 2024 and says it serves more than 100 financial institutions. None of our 100 banks is a named customer. Pricing is not published.
Category
Founded
2019
Headquarters
Palo Alto, California, US
Ownership
Private; bootstrapped until an October 2024 round of $30 million ($20 million equity, $10 million debt) led by Avataar Venture Partners, its first outside capital. No valuation has been published.[1][2]
Deployment
SaaS (vendor-hosted real-time AI platform with pre-built banking integrations); can be layered on third-party CCaaS systems
Pricing
Sales-led subscription; not published · not published
Banks among the 100
0
- Co-founders Srinivas Njay (CEO) and Bruce Kim launched interface.ai in 2019; Njay told TechCrunch in October 2024 that it was trusted by more than 100 financial institutions and generated tens of millions of dollars in annual recurring revenue.
- Its first outside capital was a $30 million round in October 2024 led by Avataar Venture Partners, of which $20 million was equity and $10 million debt; the company had about 120 staff across North America and India.
- BankGPT (November 2025) is the agentic platform behind its voice, chat and employee AI; the company says answers are grounded in approved sources and that the agents can complete tasks end to end.
- 2026 releases: a claimed 99.99% uptime benchmark (February), a Telarus partnership to layer BankGPT on third-party contact-centre systems (February), Smart Collections outbound AI for delinquencies (February) and Nexus, an AI-led contact-centre platform (April).
- Its Q1 2025 release added generative-AI answers from websites and documents, cloned AI voices that can replicate any voice from a sample, and device-biometric authentication.
- Named customers are credit unions, such as Radiant Credit Union and the Navigator and Red Rocks credit unions featured in its BankGPT launch webinar; no bank among the 100 largest US banks is named as a customer in the sources reviewed.
- Pricing is not published.
What does interface.ai sell to banks?
| Product | What it does | Status |
|---|---|---|
| BankGPT (Agentic Voice AI, Agentic Chat AI, Agentic Employee AI)[4] | AI agents on the phone, in digital chat and inside staff tools, built on the BankGPT platform; interface.ai says multiple credit unions were live in production at launch. | Generally available |
| Nexus[9] | Agentic contact-centre platform launched April 2026 in which the AI keeps the conversation and routes only the specific decision needing human judgment to staff; the company claims up to 10x agent capacity. | Generally available |
| Smart Collections[8] | Outbound voice, two-way SMS and email AI agents for early-stage delinquency, with identity verification, payment links, promise-to-pay capture and escalation to a human. | Generally available |
| Dynamic Knowledge, Cloned AI Voice and device biometrics[3] | Q1 2025 features: generative-AI retrieval from websites and documents, custom voices cloned from a voice sample, and device-biometric authentication. | Generally available |
| BankGPT on third-party CCaaS (Telarus)[7] | Through the Telarus partner programme, BankGPT can be layered on contact-centre systems such as RingCentral and Five9. | Generally available |
How much does interface.ai cost?
How it is charged: Sales-led subscription; not published.
interface.ai does not publish a price list.
Pricing is not published; interface.ai lists no pricing page or plan prices and sells through direct sales and partners such as Telarus.
Which banks use interface.ai?
None of the 100 largest US banks covered on this site is publicly named as a interface.ai customer as of Sep 24, 2026. Customers the company names are listed in the key points above.
Among the 100 largest US banks on this site, from sources that name the bank: the bank, interface.ai or the press. Status is the furthest stage a source confirms.
What is BankGPT?
interface.ai's agentic AI platform, announced November 2025, combining large language models with answers grounded in approved sources and the ability to complete tasks end to end, delivered as Agentic Voice AI, Agentic Chat AI and Agentic Employee AI.[4]
What has interface.ai done, and when?
- Apr 14, 2026
Nexus unveiled[9]
An agentic contact-centre platform presented at Financial Brand Forum 2026.
- Feb 19, 2026
Smart Collections[8]
Multi-channel collections AI agents for credit unions and community banks.
- Feb 18, 2026
Telarus partnership[7]
Enrolment in the Telarus partner programme to combine BankGPT with third-party contact-centre infrastructure.
- Feb 9, 2026
99.99% uptime claim[6]
interface.ai says its real-time AI platform reached 99.99% uptime after re-engineering with self-healing components and multi-vendor speech fallback.
- Jan 15, 2026
Q4 2025 release[5]
Prescriptive analytics, an AI-generated experience score and pre-transfer conversational steps aimed at raising call containment.
- Nov 18, 2025
BankGPT launched[4]
Agentic platform with Agentic Voice AI, Agentic Chat AI and Agentic Employee AI; several credit unions live at launch.
- Feb 28, 2025
Q1 2025 release[3]
Dynamic Knowledge (generative-AI retrieval), Cloned AI Voice and device-biometric authentication.
- Oct 22, 2024
- Jan 1, 2019
Founded[1]
Srinivas Njay and Bruce Kim launch interface.ai in 2019 (exact date not disclosed).
What do banks use interface.ai for?
| Use | What it does | Status | Use case |
|---|---|---|---|
| Voice and chat AI agents[2][4] | AI agents answer calls and chats and complete routine requests such as account servicing; the company says they resolve up to 60% of routine inquiries (vendor claim). | In production | Customer-facing chatbots |
| AI-led contact centre[9] | Nexus keeps the AI in the conversation and sends only discrete decisions to human staff. | Rolling out | Generative & agentic AI |
| Collections outreach[8] | Outbound voice, SMS and email agents for early delinquency, with opt-out handling and escalation to staff. | Rolling out | Customer-facing chatbots |
| Caller authentication[3][8] | Device-biometric authentication added in the Q1 2025 release; identity verification in collections calls is policy-gated. | In production | Fraud detection |
What has interface.ai disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Funding (first outside round) | $30 million: $20 million equity and $10 million debt[1] | Oct 22, 2024 |
| Financial-institution customers (vendor-reported) | more than 100[1][2] | Oct 22, 2024 |
| Annual recurring revenue (CEO statement) | tens of millions of dollars[1] | Oct 22, 2024 |
| Routine inquiries resolved autonomously (vendor claim) | up to 60%[2] | Oct 22, 2024 |
| Radiant Credit Union (vendor case study) | 67%+ call containment; 192K+ after-hours calls handled since September 2023; assets grew from $500 million to $800 million without contact-centre hires[10] | Sep 24, 2026 |
| Platform uptime (vendor claim) | 99.99%[6] | Feb 9, 2026 |
“The big national banks are investing heavily in AI to transform their banking operations.”[1]
Srinivas Njay · Co-founder and CEO, interface.ai · Oct 22, 2024
“Reliability is the silent engine of AI adoption.”[6]
Srinivas Njay · Co-founder and CEO, interface.ai · Feb 9, 2026
Who runs interface.ai?
Which rules apply to a bank using interface.ai?
| Authority | Why it matters here | Documents |
|---|---|---|
| CFPB | interface.ai's voice and chat agents answer consumers and, in Smart Collections, contact borrowers about delinquent accounts; the CFPB's 2023 chatbot spotlight holds the institution responsible for wrong answers, missed disputes and blocked access to a human. | CFPB Chatbots in Consumer Finance (issue spotlight, 2023) |
| FinCEN | Cloned AI voices and voice-channel authentication sit next to the deepfake-audio impersonation risk that FinCEN's 2024 alert describes. | FIN-2024-Alert004 (Deepfake Media) |
| NIST | BankGPT and Dynamic Knowledge generate answers from websites and documents; NIST's Generative AI Profile describes the confabulation risk a bank would test for. | NIST AI 600-1 (Generative AI Profile) |
| OCC | A vendor-hosted AI contact centre that authenticates callers and acts on accounts is a third-party relationship under the 2023 interagency guidance, including the vendor's own speech and model providers. | OCC Bulletin 2023-17 FDIC FIL-29-2023 |
Linked authorities have a page in the AI Regulation Tracker; the others are named for completeness.
What should a bank note before buying interface.ai?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice or a recommendation.
01
Its customer base is credit unions and community banks
interface.ai markets itself to community financial institutions; its named customers are credit unions, and no bank among the 100 largest US banks is named as a customer.
02
Pricing is not published
There is no pricing page; commercial terms come through direct sales or partners such as Telarus.
03
Performance claims are the vendor's
The 60% resolution, 99.99% uptime and 10x agent-capacity figures come from interface.ai's own releases and are not independently verified.
04
Cloned voices are a feature
The Q1 2025 release lets an institution replicate any voice from a sample for its assistant; a buyer may weigh this against customer-disclosure expectations and voice-impersonation fraud risk.
05
Much of the product line is new
BankGPT (November 2025), Smart Collections (February 2026) and Nexus (April 2026) were all launched within the past year.
What are the alternatives to interface.ai?
Kasisto
Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026.
Glia
Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM.
Talkdesk
Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks.
Personetics
AI that turns bank transaction data into personalised insights, advice and offers in the bank's app, plus tools for relationship managers.
Eltropy
Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools.
How much does interface.ai cost?
interface.ai does not publish pricing and has no public pricing page. It sells its BankGPT voice, chat and employee agents, Smart Collections and the Nexus contact-centre platform through direct sales and partners such as Telarus, so any price comes from a quote.
Which banks use interface.ai?
None of the 100 largest US banks tracked on this site is named as an interface.ai customer in the sources reviewed. The company says it serves more than 100 financial institutions, mostly credit unions and community banks; its published case studies and webinars name credit unions such as Radiant, Navigator and Red Rocks.
Who owns interface.ai?
interface.ai is privately held. It was bootstrapped by co-founders Srinivas Njay and Bruce Kim from 2019 until October 2024, when Avataar Venture Partners led a $30 million round made up of $20 million in equity and $10 million in debt. No valuation has been published.
Is interface.ai a bank or regulated financial institution?
No. interface.ai is a software company selling AI agents and contact-centre software to credit unions and community banks. The institutions using it remain responsible for consumer-protection rules, authentication controls and managing interface.ai as a third-party vendor.
What is interface.ai Nexus?
Nexus is interface.ai's contact-centre platform, unveiled in April 2026, in which the AI agent stays in the conversation with the customer and sends only the specific decision that needs a person, such as an approval or policy exception, to a skills-based queue. interface.ai claims this can multiply agent capacity up to 10 times; that figure is the company's own.
- Interface.ai raises $30M to help banks field customer requests
- interface.ai Raises 30M to Expand AI-Driven Banking Solutions (press release)
- interface.ai Unveils Q1 2025 Release: Transforming Banking AI with Dynamic Knowledge, Cloned AI Voices, and Device Biometric Authentication
- interface.ai Unveils Industry-First Agentic BankGPT Platform that Moves CX from Convenience to Outcomes
- interface.ai Unveils Q4 2025 Agentic Banking Release to Accelerate Growth Outcomes for Financial Institutions
- interface.ai Elevates AI Reliability Standards: Achieves Unprecedented 99.99% Uptime for Real-Time Agentic AI for Community Financial Institutions
- interface.ai Disrupts the Status Quo: Only Provider to Unite Elite CCaaS with Agentic AI for Community Banking
- interface.ai Launches Smart Collections - An Agentic, Multi-Channel Collections AI Agent Built for Credit Unions and Community Banks to Increase Payments
- interface.ai Launches Nexus -- The World's First Fully Agentic CCaaS Platform That Ends the Era of Hold Queues, Transfers, and Binary Call Routing for Credit Unions and Community Banks
- Radiant Credit Union Scales from $500M to $800M Without Expanding Contact Center With Voice & Chat AI (undated page, retrieved 2026-09-24)
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