Intelligence in every workflow
Saldo isn't AI bolted onto a dashboard. From drafting an offer to catching fraud, purpose-built agents do the heavy lifting — with a rules-based core, a human always in the loop, and zero cardholder PII.
What the agents do
Nine agents across the marketplace
Each one pairs a deterministic engine with an optional language model — so the output is always sound, and gets sharper when AI is on.
Copilots that work alongside you
Campaign Copilot
MerchantsDescribe a goal in plain language and get a ready-to-fund offer draft — priced, validated and within your institution's rules.
Impact Copilot
MerchantsAsk what a change would affect before you make it. Answers are grounded only in your live data, so it never invents a connection.
Onboarding concierge
Merchants & institutionsA guided setup that scores your readiness and generates a personalized next-steps plan to go live faster.
Risk & fraud intelligence
Approval & risk scoring
InstitutionsEvery submitted offer arrives with a risk score, a clear recommendation and the reasons behind it — so reviewers decide in seconds.
Fraud & anomaly monitoring
InstitutionsSeven signals — velocity, card sharing, self-redemption, outliers and more — rolled into a 0–100 risk score, all on tokenized data.
Yield & personalization
Yield & pricing optimizer
MerchantsDiagnoses an underperforming offer against benchmarks and suggests concrete reward and spend adjustments to lift redemptions.
Cardholder personalization
ConsumersRanks each cardholder's feed by affinity and value — computed on tokenized signals only, never personal data.
Automation & operations
Auto-approval rules
InstitutionsApprove trusted offers automatically with a full audit trail — and shadow-test any rule against live traffic before turning it on.
Reconciliation & insights
PlatformOne agent audits the settlement ledger for discrepancies; another narrates your analytics into a plain-language digest.
Instant translation
MerchantsOffer content translated across English, Spanish and Portuguese in a click, so every cardholder reads it in their language.
Trustworthy by design
AI you can put in front of a regulator
The efficiency of AI without the risk. Four principles hold across every agent.
Deterministic core
Every agent is built on a rules-based engine. The model adds drafting and narration on top — it never has the final say on money or state.
Human in the loop
Agents propose; people decide. No AI moves funds or changes an offer's status on its own — and every action is logged.
No cardholder PII
Agents operate on tokenized identifiers only. No names, no card numbers — consistent with Saldo's privacy architecture.
Configurable & observable
You choose the models and providers. Every AI call is recorded with its cost, latency and outcome, so nothing is a black box.
Put the agents to work
Spin up a merchant account or talk to us about connecting your institution — the AI is on from day one.