The Exchange Connection Hub

The Operating System
for Bank–FinTech
Partnerships.

Banks spend 7–18 months vetting a fintech before going live.
Fintechs spend 18–24 months finding the right bank.
TECH compresses both.

Book a Demo → Watch the Demo
0 mo
Avg. Partnership
Sales Cycle
0%
Partnerships That
Fail — EY 2026
0K+
Active FinTechs
Seeking Bank Partners
Banking Institution
Meridian Bank
Trust 94 · Grade A+
9.4
PRISM™
FinTech Company
NovaPay
Trust 91 · Grade A
PRISM Engine™ · Live Match · KYB Verified · SHIELD™ Cleared
Live Partnership Feed 1,247 matches made
Compliance architecture
FINRA Rule 4511 SEC 206(4)-1 CCPA / CPRA BSA / AML GLBA DORA Ready
SHIELD™ — Trust & Verification PRISM Engine™ — AI Matching CORTEX™ — Partnership OS Deep Research Agent AI Boardroom Oracle — Predictive Intelligence Compliance Copilot SHIELD™ — Trust & Verification PRISM Engine™ — AI Matching CORTEX™ — Partnership OS Deep Research Agent AI Boardroom Oracle — Predictive Intelligence Compliance Copilot
Product Overview

See how TECH closes
the right partnership faster.

A walkthrough of SHIELD, PRISM and CORTEX — how each engine eliminates a specific failure point in the bank–FinTech partnership lifecycle.

Book a Demo → See How It Works
The Problem

The current process is broken
for both sides.

Every bank-fintech partnership that eventually works first endures a process designed to make it fail.

Without TECH
18 months of friction,
cost, and uncertainty.
01
Month 0–3
Cold Outreach
2–5% response rate. Hundreds of emails to LinkedIn contacts you've never met.
02
Month 3–9
Due Diligence
The bank's legal and risk team requests 5 years of legal history, audits, AML programs. Most fintechs aren't ready.
03
Month 9–15
Compliance Gaps Found
40% of deals die here. The bank walks. The fintech starts over with another prospect.
04
Month 15–18
Partnership Fails
Even when it closes, 40% fail to operationalize. $250K–$500K burned per failed deal.
18 months. $400K+ burned. 40% failure rate.
With TECH
6 weeks from first match
to active partnership.
01
Day 1–2
SHIELD™ Verifies You
KYB, sanctions, PEP, adverse media — completed before your profile goes live. Banks see a Trust Score, not a pitch.
02
Week 1
PRISM™ Finds Your Match
AI fit score 1–10 with written explanation. Only high-signal matches reach your feed. No guesswork.
03
Week 2–4
First Conversation
Both sides already verified. No cold start. Your AI-generated outreach opens the conversation right.
04
Week 4–6 → Ongoing
CORTEX™ Monitors It All
Health scores, predictive alerts, deal pipeline. The relationship never goes cold without you knowing.
6 weeks to active partnership. 95% retention.
How It Works

Three engines.
One partnership lifecycle.

01
SH
SHIELD™ — Verify
Arrive pre-qualified.
Skip the vetting queue.
Every member completes KYB before their first match. Banks don't start due diligence from zero — you arrive with a published Trust Score, compliance history, and verified identity.
02
PR
PRISM Engine™ — Connect
Find the right partner
before the first email.
Three-layer AI matching — vector similarity, LLM scoring, behavioral feedback — produces a fit score 1–10 with a written explanation. Only high-signal matches reach your feed.
03
CX
CORTEX™ — Retain
Never let a partnership
go silent again.
Real-time health scores, predictive alerts, deal pipeline, and AI advisor. CORTEX monitors every active relationship and surfaces actions before problems become failures.
SHIELD™

Banks spend 6 months
on due diligence.
You spend zero.

↑ Without TECH: 3–6 months of compliance requests before a bank agrees to talk.

Every TECH member arrives with KYB completed, sanctions cleared, Trust Score published, and compliance history verified — before the first introduction. Banks don't start from scratch. Neither do you.

  • ◆KYB identity verification via Persona API — completed pre-launch
  • ◆Dynamic Trust Score (0–100) visible to all potential partners
  • ◆Continuous monitoring: sanctions, PEP, adverse media, business registry
  • ◆FINRA 4511 compliant communication archiving from day one
app.techhub.it.com / shield
SHIELD™ — TRUST OVERVIEW
94
A+
NovaPay Technologies
TRUST GRADE A+
KYB Verification
95%
Compliance Posture
91%
Platform Activity
88%
Reputation Score
97%
KYB VERIFIED · SANCTIONS CLEAR · PEP CLEAR
PRISM Engine™

Cold outreach has
a 2% response rate.
PRISM has a fit score.

↑ Without TECH: 18–24 months of cold emails to find the right banking partner.

Three-layer AI matching — vector similarity, Claude API scoring, behavioral feedback — identifies your highest-probability partners and delivers a fit score 1–10 with a written explanation before the first contact.

  • ◆AI fit score 1–10 with natural language explanation per match
  • ◆Matching based on declared intent, sector, and mutual objectives
  • ◆Gets smarter with every accept and decline you make
  • ◆22-section AI due diligence report on any company in 2 minutes
app.techhub.it.com / matching
PRISM Engine™ — TODAY'S MATCHES
Meridian Bank
Regional Bank · Payments · KYB Verified
9.4
FIT
NEW
Atlantic Partners Bank
Community Bank · Lending · KYB Verified
8.7
FIT
First National FS
Regional Bank · Compliance · KYB Verified
7.9
FIT
Vector
94%
LLM Score
9.4
Feedback
↑ High
CORTEX™

40% of deals that close
still fail. CORTEX
prevents that.

↑ Without TECH: partnerships go silent and die with no early warning.

Your Partnership Operating System. Real-time health scores per relationship, predictive alerts before things go cold, deal pipeline, ROI tracking, and an AI advisor that never sleeps. The longer you use it, the more indispensable it becomes.

  • ◆Partnership health score per active relationship — updated daily
  • ◆Predictive alerts before partnerships go silent or fail
  • ◆Deal pipeline Kanban with activity log and AI next-step suggestions
  • ◆AI Advisor — ask anything about your partnerships, 24/7
app.techhub.it.com / cortex
CORTEX™ — DAILY BRIEF
12
New Matches
3
Active Deals
94
CORTEX Score
1
At Risk
PARTNERSHIP HEALTH
Meridian Bank
88
Atlantic Partners
72
First National FS
95
Summit Credit Union
41 ⚠
Why Members Never Leave

CORTEX™ is not a feature.
It is your Partnership OS.

Your data, your intelligence, your competitive advantage. The more you use it, the more indispensable it becomes.

CMD
Command Center
DAILY OPERATIONS HUB

Daily Brief with 8 KPI cards, AI Action Queue, Partnership Pipeline Kanban, Calendar, and Smart Alerts with estimated $ impact per relationship.

INT
Intelligence Center
PREDICTIVE ANALYTICS

Oracle predictions 30–180 days ahead, CORTEX Score (0–100), health scores per partnership, Ecosystem Map, competitive intel, and weekly digests.

REL
Relationship Center
LIFECYCLE MANAGEMENT

Partnership health auto-calculated daily, goals with progress tracking, Kanban deals pipeline, ROI tracking per partner, board report PDF generation.

AUT
Automation Center
RULE ENGINE

14 triggers, 10 actions, 10 pre-built templates. Set rules once — CORTEX executes them automatically. Full execution log for compliance review.

CS
FLAGSHIP FEATURE
CORTEX Simulator™

Submit any partnership proposal. CORTEX spawns 8 specialized AI advisors — CEO, CFO, CTO, CLO, CRO, Customer, Regulator, Competitor — that debate and simulate 24 months of partnership dynamics and return a GO/NO-GO verdict with 3 financial scenarios.

8
Executive AI personas
3
Financial scenarios
24
Months forecasted
15 min
vs 4–8 weeks consulting
COMPETITIVE POSITION — 2026
While Treasury Prime owns BaaS distribution and Crossbeam owns account mapping, TECH owns the entire partnership lifecycle — from first verified contact to active relationship intelligence. No other platform compresses the 18-month bank–FinTech cycle from both ends simultaneously.
The Trilogy in Motion

Three engines.
One operating system.

SHIELD verifies. PRISM connects. CORTEX retains.
Each face of the engine solves a specific failure point.

SHIELD™
Trust Score
94
Grade A+ · KYB Verified
Every member arrives pre-verified. Banks skip 3–6 months of due diligence before the first conversation.
KYB · Sanctions · PEP — Clear
CORTEX™
Partnership Health
88%
Active · Monitored daily
Real-time health scores per active relationship. Predictive alerts before a partnership goes silent.
27 Modules · 10 AI Agents Live
SHIELD™
Trust &
Compliance
94
Trust Score · Grade A+
  • KYB identity verification
  • Sanctions & PEP screening
  • Continuous compliance log
  • FINRA 4511 archiving
PRISM Engine™
AI
Matching
9.4
Fit Score · Top Match
  • Voyage AI vector similarity
  • Claude API LLM scoring
  • Feedback reinforcement
  • 22-section due diligence
CORTEX™
Partnership
OS
88%
Health Score · Active
  • Real-time health per partner
  • Predictive failure alerts
  • Deal pipeline + ROI
  • 10 AI agents 24/7
PRISM Engine™
Fit Score
9.4
Top Match · 3-Layer AI
Cold outreach has a 2–5% response rate. PRISM delivers your highest-probability partner before the first email.
Vector · LLM · Feedback
The Trilogy
SHIELD → PRISM → CORTEX
Verify → Connect → Retain.
The three engines form one continuous lifecycle — from first contact to active partnership.
◆ Trust Score ◆ Fit Score ◆ Health Score
AI Intelligence Layer

10 AI agents working
while you sleep.

Every agent runs on Claude API. Every result is audited. None of it requires your BD team to lift a finger.

DR
Deep Research
Research Agent
Full due diligence on any company — 10 sections, fit score, 3 ranked intro emails. 30 seconds, not 2 weeks.
→ fit_score: 92 · duration: 44s
CS
Simulation
CORTEX Simulator
8 AI advisors debate a partnership proposal and return 3 financial scenarios (12m/24m). GO / NO-GO verdict in minutes.
→ 6 scenarios · 24 months forecasted
AB
Strategy
AI Boardroom
Virtual C-suite (CEO, CFO, CRO, CLO) debates any strategic decision with full transcript and consensus.
→ 4 personas · consensus reached
SA
Discovery
Sourcing Agent
Discovers 8 specific partnership candidates based on your ICP. Excludes existing partners automatically.
→ 8 candidates · ICP-matched
OA
Outreach
Outreach Agent
Personalized outreach email to any named target with estimated response probability. 5 tone options.
→ response probability: 68%
OR
Prediction
Oracle
Predicts market events 30–180 days ahead — M&A, funding rounds, BaaS launches — from ecosystem signals.
→ 87% probability · 90 day horizon
GI
Network
Graph Intelligence
Answers natural language questions over your partnership network. "Who in my network knows this bank?"
→ NL query · cited entities
RA
Monitoring
Relationship Agent
Scans all active partnerships for silence, sentiment drops, churn risk, and expansion signals. Runs nightly.
→ 7 alert types · real-time
CC
Compliance
Compliance Copilot
Reviews outbound content against FINRA, SEC, CCPA, DORA before it leaves the platform. CLEAR / BLOCK verdict.
→ 5 frameworks · auto-reviewed
Built For Both Sides

The platform works
for banks and fintechs
simultaneously.

For Banking Institutions
Find fintech partners that are already compliance-ready.
Stop wasting 3–6 months on due diligence for fintechs that weren't ready. Every TECH member arrives with KYB completed, Trust Score published, and compliance history verified. Your first conversation is already your most productive one.
  • Every fintech pre-verified — KYB, sanctions, adverse media, business registry
  • AI fit scoring aligned to your institution's current agenda and priorities
  • Reduce partner evaluation from months to days
  • FINRA 4511 compliant messaging archived from day one
  • Real-time relationship health so partnerships don't silently fail
For FinTech Companies
Reach the banks that are actively looking for you — right now.
Cold outreach to banks averages an 18–24 month cycle and a 2–5% response rate. TECH puts you in front of verified banks actively seeking solutions in your category — with your Trust Score already established before the first word.
  • Banks that have declared they are actively seeking your category
  • Your Trust Score signals credibility before you say a word
  • AI-generated due diligence report on any bank in under 2 minutes
  • Personalized outreach drafted by AI — reviewed and sent by you
  • One platform replaces cold email, LinkedIn prospecting, and BD tools
Market Opportunity

A $46 billion market.
No dominant AI-native player.

$0B
Total Addressable
Market
Fintech Partnership Intelligence
0K+
Active FinTechs
Worldwide
Global Fintech Census 2026
0%
Banks Expecting Partnerships
to Be Critical — Bain 2026
Bain & Company
0%
Partnerships That
Fail to Operationalize
EY-Parthenon 2025
The Founding Team

Built by people who understand
both sides of the table.

Jonathan Pina
Jonathan Pina
CPO & Co-Founder
📍 Miami, Florida
Luis Velasquez
Luis Alfredo Velasquez
CTO & Co-Founder
📍 Berlin, Germany
Dionnel Martinez
Dionnel Martinez Dublin
Co-Founder & Director of QA
📍 North Carolina
ADV
SENIOR INDUSTRY ADVISOR
Wayne Brown — The Walker Group NYC
25+ years in institutional financial services partnerships
Compliance Architecture

Built for regulators
before it was built
for customers.

TECH was architected around regulatory requirements before the first line of product code was written. For FINRA-registered broker-dealers, SEC-regulated advisers, and FDIC-supervised institutions — compliance is not a feature. It is the prerequisite for adoption.

FINRA RULE 4511
Communication Archiving

Every message is immutably archived with a SHA-256 integrity hash. No edits. No deletions. Full audit trail exportable as FINRA-format PDF.

SEC 206(4)-1
AI Content Labeling

All AI-generated content is flagged with is_ai_generated: true and visually labeled in the UI. AI content is never auto-sent.

CCPA / CPRA
Privacy & Consent

Consent records on onboarding. Data export endpoint. Account deletion endpoint. Consent logs retained for audit. California-compliant by default.

BSA / AML
Identity & Sanctions

KYB verification required for all institutional members before accessing matching. Continuous sanctions, PEP, and adverse media monitoring via Persona API.

GLBA
Financial Data Protection

No financial account numbers stored on platform. Rate limiting on all financial data endpoints. Encryption at rest and in transit. US-East-1 primary data residency.

DORA — EU READY
European Expansion

Incident reporting (4h notification), third-party risk tracking, and resilience testing hooks. Ready for EU market expansion via Velatix AI GmbH's German entity.

DATA
DATA RESIDENCY
AWS US-East-1 primary · US-West-2 disaster recovery · All member data stays in the United States
For Investors

A $46B market.
No dominant player.
We're building the OS.

Pre-seed MVP. Seed round $1–1.5M in progress. Built by Velatix AI GmbH × The Walker Group NYC.

FINANCIAL PROJECTIONS — BASE CASE
YEAR 1
500 members
$850K ARR
YEAR 2
2,500 members
$5.2M ARR
YEAR 3
10,000 members
$18M ARR
UNIT ECONOMICS — YEAR 3
Gross Margin 80%
LTV / CAC Ratio 27×
Starter Tier $200/mo
Professional Tier $1,000/mo
Enterprise Tier $5,000+/mo
INTERESTED IN INVESTING
Access the full investor deck and financial model.
View Investor Information →
Get Started

Your next banking partner
is already on TECH.

Stop spending 18 months finding the right match. Book a 30-minute demo and see what SHIELD, PRISM, and CORTEX can do for your institution or company.

Book a Demo → Investor Information

No commitment required · 30-minute session · TECH + Walker Group NYC