The AI teammate that reads your core, instead of guessing at your numbers.
Grandir runs on your bank's live core, Plaid and KYC data. Not a bolted-on score.
- Instant Personal Financial Statement, built from live core data
- Six underwriting KPIs and HELOC qualification against your own rulebook
- Deterministic math, no generative guesswork, no black-box score
Embedded in the platform your team already uses. No new system to learn.
A data platform first, an AI layer second
Linker 360 unifies your core, KYC, external accounts and marketing data into one customer record. Grandir is the reasoning layer on top of it.
One data platform, one customer record
Linker 360 connects to your core in real time and resolves deposits, loans, cards, transactions, KYC and external balances into a single identity per customer. Every field keeps its lineage, so you always know which system it came from and when it was read.
- Real-time connection to your core, core-agnostic through our orchestrator
- A unified customer identifier across core, KYC and external account data
- Data lineage on every field, ready for compliance review
- The same platform your bankers, lending, support and marketing teams already open
An AI layer that will not improvise with your numbers
Grandir reasons on top of Linker 360, but the math is never generated. Every ratio, balance and qualification is produced by a deterministic rule running on real data. Language models are used only to understand the question and phrase the answer, never to invent a figure.
- Deterministic, rule-based calculations for every number on screen
- No hallucinated balances, no estimated scores, no synthetic averages
- Each answer returns the data read, the rule applied and the result
- The banker still owns the decision, with the reasoning in plain sight
Why does growth still feel like assembling reports by hand?
The data already exists inside your bank. It just lives in different places, and putting it together still falls on people.
Nine or ten reports to see one customer
Core exports, external account data and spreadsheets get combined by hand every time someone needs the full picture of a customer or a portfolio.
"A whole day"
That is what a banker at a client bank estimated she would save each month, when asked what a unified view would replace in her current reporting routine.
Loans grow faster than deposits
Balances your customers hold at other institutions are invisible, so the money you could bring back never shows up as an opportunity.
Underwriting waits on a manual review
A file that could be answered in real time sits in a queue while someone recalculates ratios that the data already supports.
Net worth is rebuilt from scratch, every time
Deposits, loans, cards, retirement accounts and property get re-collected through intake forms instead of being read from what you already hold.
Answers depend on an analyst queue
A simple question about a segment or a funnel becomes a ticket, because asking the data directly requires SQL.
How does Grandir turn that data into decisions?
Grandir reasons from live balances and actual transactions. Every number is computed by a rule and traced back to its source.
How fast can it build a Personal Financial Statement?
Instantly. Grandir assembles net worth from deposits, loans, cards, retirement accounts and property, with every figure traced to its source. No intake forms.
How does it score underwriting risk?
Six KPIs are computed and color-graded the moment a file opens: DTI, LTV, liquidity, credit utilization, FICO and cash reserves. No one recalculates anything by hand.
Can it qualify a HELOC against our own policy?
It applies your CLTV limits, stress-tested DTI, residual income floors and minimum credit scores, and returns a clear yes or no with the reasoning and the property value used. A banker still owns the decision.
Can it help us grow deposits, not just process them?
Grandir surfaces balances your customers hold at other institutions through Plaid, so your team can go after that money instead of guessing where it sits.
What does it know about cash flow?
Analysis runs on real transaction history rather than an estimate, showing income stability, spending patterns and idle money that could be earning more.
Who can ask it questions?
Anyone authorized. Plain-English questions replace the analyst queue and the SQL query, and the answer comes back with the data behind it.
Where does it live?
Inside Linker's Customer Intelligence, plugged into your core. It is one more teammate in a platform your staff already opens every day, not another login.
What happens when a bank puts this to work
What's the difference between Grandir and a bolted-on AI score?
| What you compare | Grandir | Bolted-on score tools |
|---|---|---|
| Data source | Reads your core system live | External estimate, often stale |
| Calculation | Rule-based, deterministic, auditable | Generative, often a black box |
| Setup | Embedded in Linker's Customer Intelligence you already use | A new system to learn |
| Trust | Full reasoning trail: what data, what rule, what decision | Score with no visible logic |
Questions bankers actually ask us
Does this replace our core banking system?
No. Grandir and Linker's Customer Intelligence sit on top of your existing core and read from it in real time. Nothing is replaced and nothing is ripped out.
Is generative AI making our credit decisions?
No. Every calculation runs through deterministic, rule-based tools. Generative AI is used only to interpret plain-English questions, never to generate the numbers themselves.
Who inside the bank can see what?
Access is designed to be role-based: bankers and lending get full account-level access, marketing sees segmentation only with no PII, and support is scoped to their responsibilities. The role-based access model is actively being finalized, so we scope it with you rather than presenting it as finished.
Does it work with our existing KYC and fraud tools?
It can be embedded alongside the tools you already run, or we can offer an alternative. Which path makes sense is scoped during implementation.
Do our customers get direct access to this?
Not in this phase. Today Grandir is for internal bank teams: bankers, lending, support and marketing.
Does it connect to our core?
Yes. Grandir is core-agnostic and plugs into your core through our orchestrator, with a unified customer identifier across the core, KYC and external account data.
How do we audit a decision after the fact?
Every answer carries a reasoning trail: which data was read, which rule was applied and what the result was, combined with data-source lineage for compliance review.
See it on your
own portfolio.
Book a walkthrough and bring a real file. We will show you the Personal Financial Statement and the underwriting KPIs live, computed from your own data.