AI Infrastructure for Credit Unions
people.
Not your processes.Your best people are buried in process instead of doing what they're great at — the relationships, the judgment, the member experiences that only humans can deliver.
The Glue Problem
The average credit union runs 0+ disconnected vendor systems. Your people are the integration layer — and they're exhausted.
One data layer across your core, LOS, card processor, and every other vendor. No more CSV exports.
Bank-grade runtime with full audit trails. Every AI action logged, every decision explainable.
Pre-built AI runners for lending, compliance, member service. Live in weeks, not quarters.
Your team gets superpowers. Same headcount, dramatically more output. The grind disappears.
“We handle the process. Your people handle the relationships.”
Where It Hits
AI handles the queue. Your team handles the conversation. 40% fewer routine calls, zero missed follow-ups.
Same-day decisions. Auto-compiled packages. Your underwriters focus on judgment calls, not data entry.
SARs drafted in minutes, not days. Continuous monitoring that actually catches things. Examiners impressed, not concerned.
ACH exceptions, GL reconciliation, report generation — the grind that eats your team alive. Automated.
How It Works
Three layers. One platform. Your 15 disconnected systems finally working as one.
Your systems finally talk to each other.
You control the AI. Not the other way around.
The workforce that never clocks out.
Built for Examiners
NCUA's AI Compliance Plan: 12–18 months to demonstrate monitoring, control, and termination for all AI systems. We built for that deadline.
Every AI vendor you use has keys to your core. Shared credentials. Direct access. Minimal logging. If one gets breached — what's your plan?
That's not a plan. That's a prayer.
“Can you see what your AI systems are doing?”
Runline: Yes. Real-time. All vendors. All agents. One dashboard.
“Can you control who accesses what?”
Runline: Yes. Per-agent keys. Granular permissions. Role-based access.
“Can you shut it down right now?”
Runline: Yes. 2FA kill-switch. Instant. Forensic preservation built in.
Can't answer all three today? That's why we exist.
Navy Federal: $95M penalty. DOJ's first CU redlining case: $6.5M. “We're working on it” is not an answer examiners accept.
Already Moving
Design Partner
BSA/Fraud + Data Runners deployed. Data warehouse operational — real-time pipeline from core. 423 staff. Platform shaped from the inside.
Strategic Partnership
Joint go-to-market. Runline is the AI and data engineering layer for the ecosystem. Details coming soon.
$2.3B CU, Midwest
70% more loans processed
Same team
$9.7B CU, Northeast
13,250 staff-days freed
Per year
$18B CU, Southeast
$800K fraud stopped
In 6 months
$2.3B CU, West Coast
30% more profitable
AI-engaged members
$2.3B CU, Midwest
70% more loans processed
Same team
$9.7B CU, Northeast
13,250 staff-days freed
Per year
$18B CU, Southeast
$800K fraud stopped
In 6 months
$2.3B CU, West Coast
30% more profitable
AI-engaged members
$2.3B CU, Midwest
70% more loans processed
Same team
$9.7B CU, Northeast
13,250 staff-days freed
Per year
$18B CU, Southeast
$800K fraud stopped
In 6 months
$2.3B CU, West Coast
30% more profitable
AI-engaged members
$2.3B CU, Midwest
70% more loans processed
Same team
$9.7B CU, Northeast
13,250 staff-days freed
Per year
$18B CU, Southeast
$800K fraud stopped
In 6 months
$2.3B CU, West Coast
30% more profitable
AI-engaged members
0%
of FIs plan agentic AI within 2 years
0%+
of CUs have deployed GenAI
$0M
in CU fintech investment last round
The question isn't whether. It's who gets there first.
Who We Are
Founder & CEO
Founded Flowroute (first virtual US telecom → acquired by Intrado). Founded Concreit (SEC-regulated WealthTech, partnerships with D.R. Horton, Lennar, LGI). Builds regulated infrastructure. Ships it.
Joshua Herman
Former NCUA Advisor
Paul Fiore
Founded Digital Insight (→ Intuit)
Mike Duncan
CEO, Bankjoy
Jon Stein
Founded Betterment
Archit Shah
Former GC, Robinhood
The question isn't whether AI will transform credit unions. It's who gets there first.