Agent mesh
Eight specialist agents under a supervisor. Each runs a ReAct loop with bank tools, Shariah knowledge, and explainable decisions.
Supervisor Agent
Orchestrator
Orchestrates assist steps for officers. Routes prepared packs to specialists. Never funds without a human gate.
Intake Agent
Customer capture
Handles WhatsApp and portal intake, document collection, OCR, and bilingual conversation.
Credit Agent
Pre-qualification
Scores affordability, bureau pulls, DBR checks, and product eligibility for Ijarah structures.
Valuation Agent
Property intelligence
Orders bank valuation (customer never uploads a report). Cross-checks value, title, developer risk, and DLD records.
Shariah Agent
Compliance core
Applies board-approved rulings for Ijarah / Forward Ijarah, flags non-compliant structures, and logs explainable decisions.
Underwriting Agent
Decisioning
Assembles the credit file and recommends a path. Officer must confirm under delegated authority.
Closing Agent
Completion
Coordinates Takaful, title transfer, disbursement checklist, and developer handoff.
Retention Agent
Lifecycle
Monitors refinancing windows, arrears risk, and next-best product for existing customers.
Agent event stream
Real-time ReAct loop activity across the book
Architecture
Production-grade agentic loop — bank-internal, not a customer chatbot
Observe
Customer docs, APIs, case state
Reason
LLM + RAG on product & Shariah manuals
Act
Secure tool calls to core banking & DLD
Loop
Refine until goal or exception
Govern
Audit log + human-in-the-loop