Governed agents for payment and lending operators — reconciliation, sponsor-bank packs, and ICT evidence without bypassing controls.
Copyl does not replace the systems you already run. Your maintenance, finance, inventory, HR and sensor systems connect to Copyl through its integration platform — governed, permission-checked and logged.
You get the apps and the AI agents on top of what you already have. Your existing systems become data sources for the agents.
Systems that typically stay: core banking and payment platforms, accounting such as Fortnox, and risk and compliance registers.
Signals
Scheme files, ledger entries, vendor status pages and incident feeds arrive continuously.
Correlation
Mismatches across scheme, ledger and sponsor-bank records become one reconciling item.
Insight
Which break is a timing difference, a fee mismatch, or a real exception that needs escalation.
Agent action
Drafts the reconciling entry, vendor risk note or evidence pack — proposed, never posted to the ledger without approval.
Decision
A controller or risk lead approves or edits the proposal in one click.
Evidence & audit
Every match, override and approval lands in one trail for auditors, sponsor banks and regulators.
Signals
Scheme files, ledger entries, vendor status pages and incident feeds arrive continuously.
Correlation
Mismatches across scheme, ledger and sponsor-bank records become one reconciling item.
Insight
Which break is a timing difference, a fee mismatch, or a real exception that needs escalation.
Agent action
Drafts the reconciling entry, vendor risk note or evidence pack — proposed, never posted to the ledger without approval.
Decision
A controller or risk lead approves or edits the proposal in one click.
Evidence & audit
Every match, override and approval lands in one trail for auditors, sponsor banks and regulators.
Copyl sits on top of your ledger, scheme connections and vendor register — it does not replace them.
Your systems
Ledger, payment scheme connections, vendor register and incident tooling — nothing is ripped out.
Copyl platform
Agent Hub, Integration Platform connectors and FP&A correlate records and hold the audit trail.
EU-hosted data
Financial and vendor data stays in the EU, with a deployment path to sovereign operation for regulated entities.
Workflows
Reconciliation, sponsor-bank packs, vendor risk register, incident bridge — turned on one at a time.
Your systems
Ledger, payment scheme connections, vendor register and incident tooling — nothing is ripped out.
Copyl platform
Agent Hub, Integration Platform connectors and FP&A correlate records and hold the audit trail.
EU-hosted data
Financial and vendor data stays in the EU, with a deployment path to sovereign operation for regulated entities.
Workflows
Reconciliation, sponsor-bank packs, vendor risk register, incident bridge — turned on one at a time.
Connects to your ledger, scheme files and vendor systems through the Integration Platform — no rip-and-replace.
Financial and vendor data stays in the EU, with a deployment path to sovereign operation for regulated entities.
Turn on reconciliation, sponsor-bank reporting, vendor risk or incident response one at a time.
From a scheme mismatch to the auditor's evidence pack, one trail instead of three systems that disagree.
ICT third-party risk, incident classification and evidence packs map to DORA and the scheme requirements you already report against.
Agent proposals, approvals and evidence survive from the first mismatch to the regulator's file.
Connects to the ledger, scheme files and vendor systems you run today through the Integration Platform.
Financial and vendor data stays in the EU, with a deployment path to sovereign operation for regulated entities.
No agent posts a ledger entry, issues a refund, or files a report without a named approval.
Turn on reconciliation, vendor risk, incident response or sponsor-bank reporting one at a time, on your own timeline.
Explore how Copyl supports enterprise governance and regulatory readiness across your AI operations.
Run it in Copyl Cloud, sovereign hosted on European-owned infrastructure, or fully on-prem inside your own perimeter.
See Copyl FinTech run on your own reconciliation data — bring a month of scheme breaks to a working session.
Book a session →No. Copyl connects to what you run today through the Integration Platform — it adds reconciliation, vendor risk tracking and an audit trail on top.
Reconciliation and the DORA ICT evidence pack are Marketplace apps — most teams get a first workflow live in weeks, not a multi-quarter rollout.
Only where you allow it. By default the agent proposes — a reconciling entry, a vendor risk note, an incident summary — and a named person approves. It never posts a ledger entry or issues a refund on its own.
Yes — the ICT third-party risk register, incident classification and evidence packs are built to map to DORA reporting, not a generic compliance dashboard.
In the EU, with a deployment path to sovereign operation for regulated entities.