Fluid AI Core Agentic AI Platform for Banking and Enterprise

Fluid AI is a Mumbai-headquartered enterprise agentic AI company that builds AI agents for banks, insurers, oil and gas, manufacturing, telecom and the public sector. It reports working with more than 60 global enterprises in eight countries, with named deployments at NCB Jamaica and at Indian energy companies HPCL and ONGC.

Fluid AI Core is an orchestration layer that connects to enterprise systems, runs on any LLM and deploys in the customer's cloud, on-premises, in a VPC or air-gapped. On top of it run autonomous agents that execute multi-step workflows under human oversight and policy controls, and channel agents for voice calls, web chat, email and WhatsApp. Ready use cases include customer support, KYC onboarding, credit memo automation, IT and HR helpdesks and an inventory agent for SAP material search, with MCP support.

• Fluid AI Core: orchestration layer connecting enterprise systems and any LLM.
• Autonomous agents: multi-step workflow execution with human oversight and policy controls.
• Channel agents: voice calls with under 300 ms latency, web chat, email and WhatsApp.
• Banking use cases: KYC onboarding, credit memo automation and customer support.
• Enterprise helpdesks: IT and HR agents plus an SAP inventory search agent.
• Flexible deployment: customer cloud, VPC, on-premises, air-gapped and private LLM options.

A Vietnamese commercial bank can automate credit memo drafting for SME loans and KYC onboarding checks. An insurer can run voice and WhatsApp-style chat agents for claims status and policy servicing. A state-owned energy group can deploy an SAP inventory agent and IT helpdesk agent for plant staff.

The vendor reports 80% of queries resolved autonomously, a 70% L1 auto-resolution rate for IT helpdesks and 5.1 million USD incremental sales at NCB Jamaica. Go-live averages 7 days, with live in 30 days guaranteed. Air-gapped and on-premises options keep bank data inside the perimeter, backed by SOC 2 Type II and ISO 27001, 27701 and 42001 certifications.

Banks are moving from chatbots to agents that execute work across core banking, KYC and lending systems, while regulators require data to stay within the institution. Vietnamese and Southeast Asian banks pursuing digital transformation and eKYC at scale face the same need for governed, on-premises agentic AI with local-language voice support.

Fluid AI is headquartered in Mumbai, India, and the site is operated by Fluid AI International Corporation. It raised a 5.2 million USD Series A, reported in 2024. Certifications listed include SOC 2 Type II, ISO 27001, ISO 27701, ISO 42001 and CMMI Level 5. In 2025 its leaders spoke at the Caribbean Association of Banks forum and an NVIDIA partner bootcamp in Mumbai.