The AI Proposes a Draft
It never touches production directly. Changes are pull requests, never live edits.
timveroAI AI Speed for Lending
AI Speed for Lending
Without AI Running Your Bank
Describe a change to your lending product in plain English. timveroAI Studio builds it as a draft in the same session. Your engineers and risk team approve it, and only the approved version runs in production, with the same result every time and a full audit trail.
timveroAI Studio T-7
Add a required Country field to the SMB Term Loan product, ISO country list.
Drafted T-7: product schema, application form and ISO validation. Review the product on the right.
SAFETY GATES Waiting for request
Nothing reaches production without approval
CREDIT PRODUCT
SMB Term Loan
Product name SMB Term Loan
Currency GBP
Max amount 250,000
Term 6–60 months
Country * NEW United Kingdom (GB)
APPROVAL WORKFLOW
SMB loan applications
- Application
- Manual review Single reviewer
- Auto-scoreNEW ScoringEngine
- Risk committeeNEW Tier 2
- Final sign-offNEW Tier 3
- Decision
- Score < 540 → auto-decline
- Score ≥ 540 → risk committee
DECISION TABLE
Consumer loans · auto-approve
SEGMENTAUTO-APPROVE FROMMAX AMOUNT
New clients 700 €5,000
Returning, no arrears 12m 680 640 €10,000
Returning, with arrears 720 €3,000
Salary clients 660 €15,000
Replay, last 30 days: +312 auto-approved · 0 with arrears
REPAYMENT SCHEDULE
Agri loan · €120,000 · 24 months · 8%
MONTHPRINCIPALINTERESTTOTAL
1 5,000 0 800 5,800 800
2 5,000 0 767 800 5,767 800
3 5,000 0 733 800 5,733 800
4 5,000 5,714 700 800 5,700 6,514
5 5,000 5,714 667 762 5,667 6,476
Applies to new agricultural loans only · 21 principal payments
COLLECTIONS STRATEGY
Overdue consumer loans
- Day 0 Payment due Email reminder
- Day 3 Second reminder Email + in-app
- Day 5 SMS reminderNEW Template: overdue_sms_v1
- Day 15 Assign to collectorNEW Queue: early collections
- Day 30 Freeze credit limitNEW Until balance is cleared
REPORTS
Payment delays by fund
FUNDPAST DUEAVG DELAY30+ DAYS
No report configured yet
Baltic Credit Fund I 7 9 days 2
Nordic SME Fund 3 4 days 0
Real Estate Bridge II 11 16 days 4
Scoped per operator · CSV export · refreshed daily
Running in production v41
See it on a real case:
- 10x Faster Buildout
- 200+ Pre-Verified Lending Blocks
- 7 Safety Gates on Every Change
- 100% Deterministic Production Logic
From Ideas in Backlog to Production in Days, Not Quarters
You own the P&L, but your product lives in someone else’s IT queue. timveroAI collapses the change cycle from months to a single session.
- BUSINESS REQ 3
- TECH REVIEW 3
- BACKLOG 3
- SPRINT PLANNING 1
- TECH BUILD 2
- QA 1
Week 2 · Jan
Update SMB pricing for Tier 2 CHG-1482 
Months of black box. Hand-offs kill speed.
Capture Market Opportunities Before They Close
When a product change takes months, profitable segments go to competitors. See how same-day iteration changes your lending economics.
- +15–20% Approval Rate Lift DYNAMIC RISK & PRICING Instantly capture high-yield SMB segments before market conditions change.
- 10x Deployment Velocity PLAIN-ENGLISH ARCHITECT Test product hypotheses weekly without touching developer resources.
- 100% Audit Readiness DETERMINISTIC ENGINE Pass regulator reviews 18 months later with full decision traceability.
The Same First Product Built Three Ways
Build it in-house, assemble five vendors, or compose it on timveroOS with timveroAI. US mid-market build rates; the ratios hold across regions.
Build In-House
- Cost
- ~$8M
- Speed
- 24 months
- Team
- 16.5 FTE
Next products get cheaper, but slowly.
Building Platform
timveroOS + timveroAI
- Cost
- ~$0.3M
- Speed
- 3 weeks
- Team
- 2.6 FTE
Every next product builds faster (4–6 weeks) and cheaper. One system, one integration.
Assemble 5 Vendors
- Cost
- ~$2.3M
- Speed
- 9+ months
- Team
- 8 FTE
Nearly full price and full timeline for every next product.
~$0.3M and 3 weeks to the first product, every next one faster and cheaper.
Build In-House
- Cost
- ~$8M
- Speed
- 24 months
- Team
- 16.5 FTE
Next products get cheaper, but slowly.
timveroOS + timveroAI
- Cost
- ~$0.3M
- Speed
- 3 weeks
- Team
- 2.6 FTE
Every next product builds faster (4–6 weeks) and cheaper. One system, one integration.
Assemble 5 Vendors
- Cost
- ~$2.3M
- Speed
- 9+ months
- Team
- 8 FTE
Nearly full price and full timeline for every next product.
Seven Gates on Every Change
Every change passes through the same seven gates, no exceptions. The AI builds fast, and nothing reaches production until your team has seen it, tested it, and approved it.
Automatic Checks
The draft is validated and replayed against your own historical data before anyone spends time on it.
Mandatory Human Approval
Engineers and risk sign off. This gate can’t be bypassed for decision logic.
Versioned and Logged
Who, what, when, why, and the previous version. Every feature carries its chain from the approved requirement through code to test results.
Shadow Mode
The new logic runs beside the old one and the decisions are compared. It doesn’t act until the comparison passes.
Gradual Rollout
From 1% of volume to 10% to 100%, reversible at every step.
Drift Monitoring
If the live logic starts behaving differently, a new proposal cycle starts, so the loop stays closed.
Why timveroAI Builds Safely
An AI that builds must build from something. What you give it decides whether the output is safe.
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A Blank Codebase
An AI writing from scratch can write anything, with unlimited ways to be wrong. Agent-written code without boundaries is just faster technical debt.
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A Configured SaaS
It can only recombine what the vendor pre-built, the easy 70% again. The same ceiling, now with AI marketing.
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200 Verified Lending Blocks
On timveroOS the AI composes only from safe, tested parts that TIMVERO has built since 2022. Mistakes stay bounded and testable, and reviews are fast.
Three Ways to Run timveroAI Studio
Most teams move through the modes like gears. The safety chain is the same in all three: the requirement is approved before any code is written, every feature lands in your own repository with its full chain, and technical review gates every merge.
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We Drive and You Watch
We refine your requirements, build, and review. You approve each requirement in Studio, watch progress live, and run business testing. This is how pilots run today.
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We Refine It Together
Your team co-refines the requirements and signs off before any code is written. We still drive the builds, and our engineer reviews them.
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You Drive and We Watch
Your business users run Studio themselves: submit requirements, approve the plan, build foundation first, and run acceptance. A technical review gate protects every merge.
Test timveroAI on Your Own Product
timveroProof configures one of your credit products on timveroOS with your rules and integrations, built with timveroAI. You evaluate it against metrics agreed before the pilot starts, with zero upfront commitment.
Business Gets Speed and IT Keeps the Keys
Nobody loses the keys. The keys just stop being the bottleneck.
For the Business
Heads of lending, product owners, credit policy owners
The first real tool for change you’ve had. Describe the change, see it built in the same session, and test a product idea before engineering is ever involved.
For IT and Risk
Engineers, architects, risk and compliance
You keep the gate. Instead of translating vague tickets, you review a clean, versioned, tested draft, and nothing reaches production without your approval.
From Concept to Production 10x Faster
“We develop and implement timveroAI so that our customers can configure and launch new credit products on their own without lengthy development. Our framework supports flexible solutions and is fully customizable.”
Talk to Our CEO 8 Customer Stories
Lenders Who Launched on timveroOS
- 80% ready-to-use lending infrastructure supplied
Finom
timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
Read Now - 90% cost reduction compare to the previous solution
Cartiga
timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
Read Now - 100% bespoke origination requirements coverage
AMIO Bank
timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
Read Now
Change One Thing in Your Own Product
Bring one real change from your backlog: the pricing tweak, the eligibility rule, the document requirement. In a 30-minute session we build it from your material, in front of you. No canned demo.
Common Questions About timveroAI
Book a 30-Minute Session-
Does the AI make credit decisions?
No. The AI drafts, people approve, and the approved logic decides. In timveroAI a human decides once, at review; the AI never decides continuously on its own.
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Is this just low-code with an LLM in front?
No. Low-code is a fixed menu that covers the easy 70%, and developers reappear for everything hard. timveroAI composes the hard 30% too, and the business owner iterates without a hand-off.
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Won’t better models make determinism irrelevant?
Accuracy isn’t the issue. A 99.9%-accurate answer still can’t be reconstructed for a regulator 18 months later. Reproducibility is the requirement, not a preference.
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Won’t the big model vendors build this layer?
Maybe the reasoning layer. Not 200 verified lending building blocks with per-jurisdiction regulatory validation. That is domain work, accumulated client by client, and TIMVERO has been doing it since 2022.
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How do you stop the AI building something wrong?
Seven gates. It can only use safe parts, it is tested against your history, people must approve, it runs in shadow first, rolls out gradually, and is watched for drift. Before any of that, the business owner sees the draft and catches “not what I meant” in the first session.
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Is timveroAI live or a roadmap slide?
Live. Plugins for developers shipped in May 2026, and timveroAI Studio runs pilot engagements today.
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We already have a development team. Why would we use timveroAI?
timveroAI doesn’t replace your team. It removes the bottlenecks that slow them down. Requirements are formalised faster and more accurately. Platform-native implementation means fewer integration errors. Automated testing catches regressions immediately. Your engineers spend time on high-value decisions, not boilerplate configuration. Most clients see their team handling 3–4× the throughput on platform customisation without additional headcount.
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Is it safe to give timveroAI access to our system?
timveroAI maintains a structural knowledge base of your timveroOS configuration: connected modules, customisations, implemented workflows, and best practices. It reads this knowledge base before every action, which is why it can ask the right clarifying questions (like a good product owner) rather than making assumptions. Access is scoped to your timveroOS instance only; the plugin doesn’t have access to borrower data or external systems unless explicitly connected.
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What languages can I describe my requirements in?
Plain English, French, and others. timveroAI maps natural-language requirements to the Building Platform’s atom vocabulary regardless of input language, relevant for institutions operating across multiple jurisdictions or with multi-language teams.
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How is this different from using ChatGPT to generate code?
timveroAI is built with anti-hallucination patterns specifically for regulated banking operations. Three things make it different: (1) it’s RAG-grounded on the actual Building Platform source code, no invented APIs; (2) it operates within the platform’s atom vocabulary, no free-form generation; (3) it asks clarifying questions when uncertain instead of guessing. The output is production-grade configuration on trusted infrastructure, not prototype code that needs to be rewritten before production.
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How does timveroAI handle manual exceptions?
Studio automates structured logic today. In Q4 2026, we are introducing Exception Agents: AI twins that act as a first line of defense for manual workflows, proposing one-click actions for your team to approve.
