The corporate banker
who reads ten
dossiers in an hour.

Credit files understood in minutes. Suspicious cases flagged in seconds. Banking secrecy preserved, DORA-ready.

anymize is the AI workplace for banks, asset managers and financial services providers that want to use GPT, Claude and Gemini – without compromising banking confidentiality and without sidestepping DORA, the EU AI Act, banking supervisory law, EBA guidelines on outsourcing or banking IT security requirements. The bidirectional anonymization strips out customer identities, account numbers, IBANs and transaction details before a prompt leaves your building. For internal work with Excel portfolios, SQL queries and research, our own European model is ready to go.

The compliance frameworkStart for free

The promise

Who you
can become.

The corporate banker who reads ten dossiers in a single morning instead of two – more thoroughly than the predecessor. The credit analyst who finds the gaps between forecast and actuals in a balance sheet in minutes. The institution corporate CFOs talk about: “They’re not just friendly – they actually understood what we do.”

The tools exist. Claude understands balance-sheet ratios, reads P&Ls, correlates annual reports. GPT summarizes credit reports. Perplexity finds public sources on a corporate group. But compliance said no – for good reason. Account numbers, transaction details and credit files cannot be exposed to a US AI provider that way.

anymize removes that block. You upload credit files, credit reports and client correspondence; the anonymization pipeline replaces customer names, IBANs, account numbers and transaction references with semantic placeholders; the frontier model delivers analysis at full depth; the re-translation gives you the result with your original data. From the AI provider’s perspective, no bank customer was ever visible. From yours, you have a defensible analysis.

The hard compliance boundaries

What banks must respect
– and how we address it.

AI in financial services operates inside a dense regulatory web. anymize is built so that these requirements are addressed by product design.

DORA (EU 2022/2554)

Digital operational resilience for banks

The EU Digital Operational Resilience Act (DORA), fully in force since January 2025, applies to all financial entities operating in the EU — banks, asset managers, payment providers. It mandates ICT risk management, contractual protections for third-party providers, and incident reporting. Every AI tool is an ICT asset subject to DORA's third-party risk framework.

anymize provides:

  • A Data Processing Agreement (DPA) under GDPR Art. 28 — automatically effective on account creation, covering purpose limitation, deletion timelines, and sub-processor chain documentation.
  • A DORA third-party risk package — including security assessment documentation, incident response procedures, and contractual safeguards satisfying EBA outsourcing requirements.
  • Zero-PII architecture — AI models process only anonymized data, directly addressing the highest-risk element of AI use in financial services and simplifying regulatory classification.
EBA Outsourcing Guidelines

AI tools as regulated outsourcing arrangements

Under EBA guidelines on outsourcing and the local implementations across EU member states, banks must assess AI tools as potential outsourcing arrangements. This requires risk assessments, audit rights, concentration risk analysis, and documented exit strategies. anymize provides the contractual and technical documentation package needed for these assessments.

anymize supports you with:

  • Outsourcing classification: a decision aid for whether your anymize use case constitutes a regulated outsourcing arrangement under banking supervisory law.
  • Contract templates aligned with EBA guidelines on outsourcing (covering sub-outsourcing, information rights, audit rights and exit strategies).
  • Control and audit rights contractually mapped, operationally supported by the audit log and compliance reports.
AML/CFT & FATF

Confidentiality in financial intelligence

Anti-money laundering regulations across jurisdictions impose strict requirements on how suspicious transaction data and financial intelligence is handled. AI tools analyzing transaction patterns must ensure that case data does not leave the institution's risk perimeter. Anonymization before AI processing ensures compliance with both AML confidentiality rules and GDPR data minimization principles.

anymize for AML processes:

  • Kimi or anymize Waterfall process larger volumes of pseudonymized transaction data, so raw case data never leaves the institution's risk perimeter.
  • For the final suspicion assessment and the report to the Financial Intelligence Unit, a human remains responsible at all times.
EU AI Act (2024/1689)

High-risk AI in credit and risk assessment

The EU AI Act classifies AI systems used in creditworthiness assessment, risk scoring, and fraud detection as high-risk AI. Banks deploying such tools must maintain conformity documentation, implement human oversight mechanisms, and ensure explainability. anymize's anonymization audit trail supports the documentation requirements for high-risk AI systems.

anymize's contribution:

  • A complete anonymization audit trail feeding directly into the conformity documentation required for high-risk AI systems.
  • Human-in-the-loop controls, four-eyes review and review countdowns that evidence the human oversight mandated by the AI Act.
  • Explainability: every placeholder mapping is traceable, so decisions produced by the frontier model can be reviewed against the original data.

Five everyday scenarios

Concrete workflows,
concrete tool chains.

Credit file analysis, corporate clients

Tool chain

Upload (anonymized): balance sheet, P&L, annual report · Claude Deep · Knowledge base “House rating criteria” active · “Create a credit memo in our house template”

Outcome

Structured credit memo with P&L analysis, ratio comparison, rating rationale

Early AML detection

Tool chain

Kimi (large context) · Export of anonymized transaction patterns · Knowledge base “FATF red flags” · “Find clusters suggesting smurfing or layering”

Outcome

Hypothesis list for the AML officer, every anomaly reasoned

Research synthesis

Tool chain

Perplexity · Knowledge base “House research positions” active · “Summarize the current market situation for company X and compare with our last-quarter position”

Outcome

Updated research brief with sources and references to in-house positions

Client correspondence, corporate banking

Tool chain

Live transcription (client meeting on-site) · Transcript into project “Client XY” · Claude · “Create a meeting note, derive to-dos, draft the follow-up email”

Outcome

Meeting memo, to-do list, finished email – all as artefacts, export to your CRM

Internal portfolio analysis

Tool chain

anymize Fountain (internal, no anonymization needed) · Upload of the credit portfolio table · “Compare risk distribution Q1 vs. Q4 by industry and rating class”

Outcome

Analysis artefact, no data leaves the institution

Every workflow works today. No “it’ll ship in Q4” – the tool set is live.

Model recommendation

Which model for
which task.

Claude (Deep)

Credit analysis, balance-sheet understanding, credit memos

Precise ratio interpretation, structured reasoning

Perplexity

Research synthesis with sources

Current market and company data, defensible sources

Kimi (Deep)

Large data volumes, transaction-pattern detection

Very large context windows, ideal for AML monitoring and portfolio clustering

Gemini

Multimodal analysis (scanned contract documents)

Image understanding, strong OCR quality

GPT (Smart)

Everyday correspondence, customer emails

Broad general knowledge, fast and solid

anymize Fountain

Internal Excel, SQL, portfolio work

German inference, no anonymization required

anymize Waterfall

Strategic analysis on in-house data, stress tests

German inference, near-frontier reasoning depth

Details on all international models·Details on Waterfall & Fountain

Feature set for financial services

The tools that
land in the bank.

Five features that deliver the biggest lever in financial workflows:

01

Knowledge bases

Separate bases per business line (corporate, retail, capital markets, compliance) – house rating criteria, internal credit guidelines, T&C cascades, regulator and central bank publications. Every employee works from the same knowledge base.

02

Projects

One project per engagement (corporate client, credit case, transaction investigation). Context grows with every chat. Handover and substitution when staff leave works – because the context is documented.

03

Live transcription

Client meetings, internal credit committees, compliance reviews recorded from a smartphone and transcribed self-hosted in Germany. Perfect for CFO conversations that must be cleanly documented under banking supervisory law.

04

Artefacts

Credit memos, research notes and client emails emerge as artefacts – WYSIWYG-editable, exportable as Word/PDF/Markdown. Export with original data for internal use, anonymized export for external coordination.

05

Compliance controls

Admin controls: enforced anonymization, four-eyes review for decisions above an amount or rating threshold, audit log for banking risk management standards and EU AI Act documentation, review countdown on credit decisions.

Integration with existing bank software

Where anymize
plugs in.

The anymize API is OpenAI-compatible (drop-in replacement) – any banking application or automation that can talk to OpenAI today can talk to anymize:

01

Automation platforms

Zapier, Make.com, n8n with native anymize nodes: fetch credit documents from the DMS, analyze them anonymously, write the credit-memo draft back.

02

Core banking via connector

For common systems (agree21, OSPlus, Finnova, Kordoba successors, proprietary in-house builds) via API intermediary layer + low-code tools.

03

Email and document pipelines

Outlook automations (e.g. “incoming client email with attachment → anonymize → first-pass assessment → write to CRM”).

04

Document management systems

SharePoint, d.velop, SER Doxis, DATEV DMS.

Concrete integration guides: n8n·Make.com·Zapier·MCP Server for Claude Desktop.

On-premise relevance

When bank IT
forbids the cloud.

Large banks, state banks and private banking houses often have strict cloud policies that even exclude German clouds. For them we offer on-premise deployments: the anonymization pipeline and our small model anymize Spring inside your own infrastructure. Hybrid variant: local anonymization, anonymized requests to international frontier models – frontier quality, with no customer data ever leaving the bank data centre.

For many cooperative banks, savings banks and smaller private banks our cloud solution is enough – the DORA contract, GDPR Art. 28 DPA and outsourcing documentation aligned with EBA guidelines cover it.

Which plan fits

From the small private bank
to the state bank.

Team Business

Smaller private bank / specialty financial services provider

Full feature set, shared knowledge bases, admin controls

Team Business + Enterprise add-ons

Cooperative bank / savings bank (mid-sized)

SSO, extended audit logging, dedicated account manager

Enterprise

Large bank / state bank

Individually negotiated DORA contract, SLA, on-premise option, incident-reporting pipeline to the financial supervisory authority

Team Business or Enterprise

Family office / wealth manager

High confidentiality, knowledge base per mandate, outsourcing documentation aligned with EBA guidelines

All plan details

How you start in three steps

From kick-off
to production use.

1

Create an account, prepare outsourcing documentation

Registration concludes the DPA under Art. 28 GDPR. On the Enterprise setup you receive the DORA contract, the outsourcing agreement aligned with EBA guidelines and the outsourcing risk assessment checklist. File them with your prudential supervisor or through internal governance. Effort on your side: 45 minutes plus internal governance review.

2

Pilot in one business line

Start with a clearly scoped area (e.g. corporate-client research or AML prevention). First knowledge base: house rating criteria and internal guidelines. First workflows: which prompts run through Claude, which internally through anymize Fountain.

3

Roll out across business lines

After a successful pilot: roll out into further areas (retail, capital markets). Admin policies per line (enforced anonymization, four-eyes review above a rating threshold). The audit log is the documentation basis for banking risk management standards and EU AI Act requirements.

For whom inside the financial world

Six roles,
six focus areas.

01

Corporate client banker

More dossiers per day, deeper understanding, credit memos in minutes

02

Credit analyst

Balance-sheet analyses, peer comparisons, rating rationales – with house templates

03

AML officer

Transaction-pattern analyses on anonymized data, Kimi for large data volumes

04

Research analyst

Current market information via Perplexity plus house positions from the knowledge base

05

Compliance / internal audit

EU AI Act audit log, DORA incident dashboard, outsourcing register

06

IT security / ICT risk

DORA compatibility, hosting in Germany, a clear supply chain – a provider that passes the review

What banks and financial services providers often ask.

Frequently asked questions

anymize is built so that your DORA management can address the requirements for ICT third-party providers under Art. 28 ff. of DORA (Digital Operational Resilience Act). We provide you with a DORA-compatible provider contract containing all mandatory clauses under Art. 30 para. 2. Formally DORA-compliant, in the end, is your institution – DORA is a company obligation, not a provider certificate. We deliver the building blocks you need for a defensible DORA implementation of the anymize part.

Legal notice

The statements on this page concerning DORA (EU Regulation 2022/2554), EBA guidelines on outsourcing, banking supervisory law, banking secrecy, AML/CFT obligations and the EU AI Act (Regulation 2024/1689) represent an assessment based on the versions currently in force (as of April 2026; sources: eur-lex.europa.eu, eba.europa.eu). They do not replace individual supervisory-law advice or a concrete assessment of your outsourcing and ICT-risk situation. For a binding assessment of your specific compliance situation, please consult your compliance function, your legal department, your outsourcing officer and/or external advisors specializing in banking supervisory law.

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Start for freeHow it works

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