Credit unions
AgentFlow helps credit unions automate document-heavy lending, compliance, and operational workflows while preserving human review and records ready for NCUA and state examiners.
Auditable AI for the industries that can't afford black boxes
Financial services runs on trust — between institutions, regulators, advisors, clients, and future examiners. We earn it by building AI that's traceable and auditable at every step.
Work With Us
Trusted by leading financial services institutions
What is Multimodal?
Multimodal is a New York–based agentic AI company founded in 2023. Its platform, AgentFlow, automates document-heavy workflows for credit unions, community banks, and regional banks with every step traceable and auditable for examiners and regulators.
Finance deserves AI it can stand behind, and that’s why we exist
We believe AI in financial services should be held to the same standard as the institutions that use it: rigorous, principled, and answerable. Most AI is built to impress. We build to withstand, by making AI more accountable rather than more powerful.
Who does Multimodal work with?
Multimodal builds auditable AI for institutions where trust, oversight, and regulatory scrutiny are part of the work.
Community and regional banks
AgentFlow helps banks process complex documents, apply internal policies, and move work through existing systems without replacing the infrastructure their teams already depend on.
The critical work in finance still happens in people’s heads
Every financial institution has knowledge no system has ever captured: how a senior underwriter reads between the lines, how a compliance officer knows when something doesn’t add up. Most AI ignores it. When those people leave, the gap widens.
That is the problem we exist to solve:
We are not a chatbot. We process the loan file.
A gap between what AI promised and what finance needed
Ankur spent 15 years working across finance and AI, including Bridgewater and J.P. Morgan. He saw promising AI projects gain momentum, then stall when they reached production. Often, the issue was simple: no one could explain them clearly to an examiner.
That gap became the founding idea behind Multimodal, an agentic AI company based in New York that automates document processing for credit unions and community banks.
2023
Founded
Founded by finance domain experts and AI engineers with one mission: to make AI auditable.
Milestone
Launched AgentFlow
Your expertise at the top, secure infrastructure at the bottom, 6 specialized AI agents executing workflows, traceably, every time.
2024
First Deployments
Credit unions and community banks deploy production playbooks with real audit logs, real examiner scrutiny, and real throughput gains. Swisscom automates 300+ daily payment orders, cutting processing time 75%.
Today
Scaling
Serving credit unions, regional banks, and community banks. Every output is fully documented.
- Pre-built finance playbooks
- 90+
- Specialized AI agents per workflow
- 6
- Financial institutions served
- 50+
- Avg. loan application time, down from 2–3 hrs (FORUM Credit Union)
- <10 min
What we believe
Accountability is a design choice
Explainability is built in from the beginning. In regulated finance, “we’re working on it” does not hold up.
Depth over breadth
Finance is not a generic domain. It has specific rules, specific regulators, and real consequences. We go deeper than any generalist platform can.
Production is the only proof
Pilots do not matter on their own. What matters is work that runs reliably, every day, in institutions that depend on it.
The people behind Multimodal
When we’re not building AgentFlow, we’re out meeting the people who use it: at conferences, customer events, and industry meetups.
Don’t take our word for it
Our lending team can now focus on value-added decisions rather than paperwork, and we’re positioned to scale loan processing without adding headcount.
Our work with Multimodal confirmed that Agentic AI can move beyond isolated use cases into real, production-grade impact across banking workflows.
Frequently asked questions
What is Multimodal?
Multimodal is a New York-based agentic AI company founded in 2023. It builds auditable AI workflows for credit unions, community banks, and regional banks.
What is AgentFlow?
AgentFlow is Multimodal’s agentic AI platform. It coordinates specialized AI agents, institutional policies, human review, and existing systems to execute document-heavy financial workflows.
Who does Multimodal serve?
Multimodal works with credit unions, community and regional banks, and lender firms. AgentFlow is designed for institutions that need automation without sacrificing explainability, oversight, or control.
How is AgentFlow different from a chatbot?
A chatbot answers questions. AgentFlow executes work. It processes documents, validates information, applies policies, routes exceptions, generates outputs, and records what happened at every step.
How is AgentFlow different from RPA?
RPA works best when inputs and rules are predictable. AgentFlow can process unstructured documents, evaluate context, apply financial policies, and route uncertain or exceptional cases to human reviewers.
How does AgentFlow work with existing systems?
AgentFlow connects with the systems an institution already uses. It can read information from documents and databases, execute workflow steps, route work for review, and write validated information back into core systems.
Where is Multimodal based?
Multimodal is based in New York and works with a global team.
