One growth platform. Three layers. Your existing core.
Cotribute is built in layers so you can adopt at your own pace: digital origination for accounts and loans, agentic AI that grows relationships with human approval on every action, and governed AI access to your data. Credit unions and community banks nationwide run it in production today.
Start where it hurts. Expand when you're ready.
Origination — the growth engine
Consumer and business account opening and lending, with fraud and decisioning built in. Applicants finish in under 2 minutes; back offices automate up to 97.6% of manual steps (Nutmeg State FCU) and decision 89.5% of applications instantly. Live in ~30 days for account opening; loan modules typically 45–60 days depending on core.
AI Growth Agents — the multiplier
Three agentic AI Growth Agents — Acquisition AIA, Cross-Sell AIC, and Relationship Growth AIR — in production since June 2025. Every recommendation is human-in-the-loop: no autonomous actions, and no member data in public models.
MCP Connect — governed AI access
Ask questions about your origination data from the AI assistants your team already uses. Read-only in v1.0, every query audited with 7-year retention, PII masked by default — with public pricing: Starter included with AI Growth Agents, Plus at $9,600/yr, Enterprise custom.
Everything in the platform
Consumer Account Opening (CAO)
Checking, savings, and deposit accounts opened in under 2 minutes, with automated KYC, OFAC, and fraud checks and fintech-style instant funding. Can be live in ~30 days on your existing core.
Explore CAO →Business Account Opening (BAO)
Business deposit accounts with automated KYB, FinCEN CDD beneficial-ownership collection, and Secretary of State checks. Out-of-the-box templates for multiple corporate structures, with automated document generation and e-signatures.
Explore BAO →Consumer Loan Application (CLA)
Application through funding for vehicle, personal, credit card, and other consumer products — instant approvals with automated decisioning, income verification, documents, and e-signatures. Red River CU lifted monthly loan applications 28%.
Explore CLA →Business Loan Application (BLA)
Commercial and small business loans, business lines of credit, and business credit cards — with multi-signer support, automated document collection, and business income verification.
Explore BLA →Fraud & Decisioning
FraudGuard+, BusinessGuard+, DecisionIntelligence+, and EnterpriseGuard+ — 70+ configurable fraud and risk decisioning rules covering device fingerprinting, geolocation risk, synthetic-identity scoring, ID verification, and liveness. The engine behind 89.5% instant decisions at Nutmeg State FCU.
Explore Fraud & Decisioning →SEG & Community Engagement (SCE)
Co-branded onboarding portals and targeted campaigns for Select Employer Groups and community partners — a new acquisition channel with embedded product onboarding and white-label options.
Explore SCE →AI Growth Agents (AIA · AIC · AIR)
Acquisition AIA finds and targets the right personas. Cross-Sell AIC surfaces the next product during onboarding, at the highest point of engagement. Relationship Growth AIR re-engages single-product members and customers. All human-in-the-loop, in production since June 2025.
Explore AI Growth Agents →MCP Connect
Governed, read-only access to your origination data from Copilot, Claude, ChatGPT, and other MCP-compatible assistants. Every query audited with 7-year retention; PII masked by default. Public pricing from Starter (included with AI Growth Agents) to Plus at $9,600/yr.
Explore MCP Connect →Three portals, one system of action
Every Cotribute deployment ships the same architecture: an applicant experience your marketing team will actually like, a back-office portal your operations team lives in, and APIs your developers can extend.
Applicant portal
White-labeled, mobile-first application flows built from 90+ configurable financial product templates — deposits, lending, and more. Workflows, disclosures, and eligibility rules are configured without code, so new products launch without a development cycle.
Back-office portal
Applications arrive triaged — auto-approved, auto-denied, or queued for review by 70+ configurable fraud and risk rules — with full decision history, document management, and e-signature status in one place.
Developer & analytics layer
Embeddable widgets and APIs place the same flows inside your mobile app, online banking, or branch kiosks — and funnel analytics show exactly where applicants convert or drop off.
Every application vetted before it reaches a human
Device fingerprinting, geolocation risk, velocity metrics, synthetic-identity scoring, ID document verification, and liveness checks run inside the flow. Nutmeg State FCU decisions 89.5% of applications instantly; CPM FCU cut manual review effort 82% in 90 days.
Real-time with Jack Henry, Corelation, and Fiserv cores
36+ direct API integrations — real-time with Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) cores, plus identity, fraud, payments, and e-signature providers. Jack Henry VIP Partner · Corelation Preferred Partner · Banno Certified · Fiserv AppMarket Partner.
Platform FAQ
ITDo we have to replace or modify our core system?
No. Cotribute sits on top of your existing core through 36+ direct API integrations — real-time with Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier). Applications book straight to the core with no re-keying. See integrations for your configuration.
OpsHow fast can we be live?
Account opening can be live in ~30 days — Blue FCU's 30-day OAO launch is documented. Loan modules typically take 45–60 days depending on core. The implementation page walks through the methodology week by week.
MarketingCan we launch new products without a development project?
Yes. The platform ships 90+ configurable financial product templates spanning deposits, lending, and more. Workflows, disclosures, and eligibility rules are configured — not coded — so a new certificate, youth account, or loan product goes live without an IT ticket or a vendor SOW.
ComplianceHow is the AI layer governed?
The three AI Growth Agents are human-in-the-loop: every recommendation requires your team's approval, there are no autonomous actions, and no member data goes into public models. MCP Connect is read-only in v1.0, every query is audited with 7-year retention, and PII is masked by default. Cotribute is SOC 2 Type 2 certified — details on the trust page.
CFODo we have to buy the whole platform at once?
No. The layers are modular — most institutions start with one origination product (often CAO) and add lending, business banking, AI Growth Agents, or MCP Connect later. Pricing is published by asset tier and module on the pricing page, and MCP Connect has public tiers: Starter included with AI Growth Agents, Plus at $9,600/yr, Enterprise custom.
Click through the platform yourself
Live account-opening and lending templates, plus the integration matrix for your core.