AI · Lending to AI agents

Available to pilot

Be ready when your customers' AI agents come asking for credit.

More and more people ask an AI assistant to compare loans and apply for them. Cowally lets your offers and applications answer those agents directly, with your rules, the customer's verified consent, and the customer always confirming the loan.

54% of consumers are comfortable with AI agents applying for credit on their behalf, and 82% trust AI to compare loans across providers.Experian, 2026

Book a demo See how it works

Your AI assistant· the customer's ownFind me a loan for $3,000,000 over 12 months.Your brand has a pre-approved offer for you: $3,000,000, 12 monthly payments. Want me to apply?Yes.Please confirm on your phone.

Your brandConfirm your loan$3,000,00012 monthly payments
Requested by your AI assistantConfirmedWaiting for a request

ApplicationsToday

APP-2318Ana Gómez$3,000,000 · 12 moVia AI agentConsent verified

APP-2317Carlos V.$1,800,000 · 24 moWebIn review

APP-2316Lucía M.$950,000 · 6 moAppApproved

Why it matters

01

Customers will stop visiting websites.

They'll ask their assistant, and it will compare for them.

02

The first lender to answer wins.

If an agent can't read your offer, it recommends someone else's.

03

Agents bring new risks.

Lenders need to know the agent really acts for the customer, with their consent.

What it does

Offers agents can read

Your products and each customer's pre-approved offers become available to their AI agents through MCP and the API, always within your rules.

01 / 04

backoffice.yourbrand.com/agents/offers

What AI agents can readYour rules

Pre-approved offer · Ana Gómez$3,000,00012 monthly payments · valid until July 15

Your loan products and their conditionsThe customer's own pre-approved offersHow to apply

Never shared with agents

Scores and internal rulesOther customers' data

A request, as an agent sees itMCP

# the customer's assistant asks
get_offers(customer="verified", amount=3000000, months=12)

# your rules answer
{ lender: "Your brand",
  offer: "pre-approved",
  amount: 3000000, payments: 12,
  next: "customer confirms identity and consent" }

Your brandConfirm your loan$3,000,000

12 monthly payments
Requested by your AI assistant

Face check passed

or a one-time code

481902

Consent record · CN-7741Verified

CustomerAna GómezAgentThe customer's AI assistantAuthorityApply for one loan of up to $3,000,000Confirmed withFace check, on the customer's phoneWhenJune 12 · 10:42LoggedRequest, answer and confirmation

Application APP-2318Via AI agent

ProductConsumer loanFrom the agentAmount$3,000,000 · 12 monthsFrom the agentCustomerAna GómezFrom the agentMonthly incomeFrom the customer's profileOn fileIdentityFace check passedVerifiedConsentCN-7741Verified

Like any other application

OnboardingCompleteDecision engineApprovedContract signedDonePaid outToday

What agents can doYou set it

Read products and the customer's own offersApply on the customer's behalfUp to 5 requests per customer per day

Change an offer's amount or termsTake a loan without the customer confirming

Agent requests · liveEvery request logged

10:41:58Offers · for Ana GómezAnswered10:42:10Apply · for Ana Gómez · consent pendingWaiting10:42:31Apply · for Ana Gómez · consent verifiedAccepted10:43:02Offers · 40 requests in 2 minutes from one agentBlocked10:43:02Flagged to your fraud teamUnusual pattern

How it works

backoffice.yourbrand.com/agents/chat

Your AI assistantFind me a loan for $3,000,000 over 12 months.Looking at the lenders you use…

Agent requestsMCP

Request · offers for Ana Gómez
$3,000,000 · 12 months · 10:41:58AI agent

Within your limits
1 of 5 requests todayOK

Can read
Products and this customer's own offersNothing more

Answer · pre-approved offer$3,000,00012 monthly payments · Your brand

Not shared
Score, internal rules, other customersHidden

Answer logged
Who asked, for whom, and what was answeredOn record

Your brandConfirm your loan$3,000,000ConfirmConfirmed

Identity and consent

Face check
On the customer's phoneChecking…Passed

Consent
Apply for one loan of up to $3,000,000Confirmed

Agent's authority recorded
CN-7741 · 10:42Logged

ApplicationsLive

APP-2318 · Ana Gómez
$3,000,000 · 12 monthsVia AI agent

Onboarding
Details from the agent, identity verifiedComplete

Decision engine
Your rules, like any other applicationDeciding…Approved

Paid out$3,000,000 to Ana Gómez

Your brandMy loansConsumer loan · $3,000,000First payment July 12 · 1 of 12

Step 1 of 6The customer asks their assistant"Find me a loan for $3,000,000 over 12 months."

AI in this tool

AI · 01

Agents welcome, on your terms. You decide what agents can see and ask for.

AI · 02

The customer is always in charge. No agent can take a loan without the customer confirming it.

AI · 03

Every agent request on record. Who asked, for whom, and what was answered.

Use it with Cowally, or on its own.

Inside Cowally

Use it from the back office, connected to every other part.

By API

Your developers plug it into your own product.

See API By MCP

Your people and AI agents reach it, with roles and rules.

See MCP

API MCP

Questions about lending to AI agents

No. The customer always confirms identity and consent first.

Any AI assistant or agent that supports MCP, within the limits you set.

Identity checks, verified consent, limits on what agents can do, monitoring for unusual patterns, and a record of every request.

Your rules and your people, exactly as with any other application.

It's available to pilot. Talk to us to be among the first lenders to try it.

Be the first lender AI agents can talk to

In one session we'll show an AI assistant finding your offer, the customer confirming it, and the application reaching your back office.