Marketed truth
The rate a customer can find.
A headline, disclosure, or product page gives an assistant something plausible to retrieve. It does not resolve the customer’s exact conditions.
Deterministic product evaluation for banks
Every product answer, provable.
Zaleo evaluates every product question against your bank's own catalog and returns each answer with a version-stamped record of why.
For every product your bank offers. Evaluations, not approvals.
Evaluated truth
The rate the rules actually produce.
Zaleo applies the bank’s published conditions to verified context and returns the answer with the rule path, catalog version, and time of evaluation.
The exposure
Retrieval is not evaluation.
When a product answer changes with balance tiers, relationship requirements, promotional dates, or exceptions, a document search can surface the right page and still produce the wrong answer.
Mis-selling at scale
A confident answer based on a headline rate can be repeated across chat, voice, call center, and digital banking before anyone sees the pattern.
UDAAP exposure
The risk is not that the source was absent. It is that conditions were available but not applied consistently to the customer’s facts.
No defensible replay
A transcript shows what was said. It does not prove which rules were applied, which catalog version was in force, or whether the same inputs would produce the same answer again.
How it works
One product truth layer beneath every channel.
The assistant can change. The digital banking provider can change. The evaluation record stays precise, portable, and replayable.
Build the catalog
Zaleo structures the bank’s own product pages, disclosures, rate sheets, and internal materials into a versioned product catalog.
Evaluate the question
Each question is evaluated against explicit rules. The same catalog version and the same inputs always produce the same answer.
Stamp the record
Every answer carries the rule trace, catalog version, timestamp, inputs used, and any unresolved condition that prevented an answer.
Replay any decision
Compare what was true on the day of the quote with what is true now, without reconstructing the logic from a transcript after the fact.
A 295-basis-point swing
Same product. Same balance. Same day.
One relationship requirement changes the evaluated answer from 3.00% APY to 0.05% APY. The headline alone cannot tell the customer which answer is theirs.
Illustrative example from historical reference data. Not a live offer, current rate, or customer quote.
Money market evaluationCATALOG v0.7
BALANCE$150,000
EVALUATION DATEReference snapshot
EVALUATED APY
3.00% APY
Relationship and recurring deposit requirements are satisfied.
Rule trace attachedVersion stampedReplay available
The 30-Day Quote Audit
Measure the gap before replacing anything.
Zaleo builds a catalog from public materials, runs alongside the bank’s team, and reports each observed quote that did not match the bank’s own product rules.
Discuss a Quote AuditBuild and reconcile
Convert product materials into explicit rules. Surface contradictions, missing precedence, and conditions that block a reliable evaluation.
Run alongside the team
Compare staff or assistant answers with deterministic catalog evaluations without changing the production workflow.
Deliver the divergence record
Show which quotes matched, which did not, why they differed, and what the catalog said at the time.
BEFORENear zero
Few quotes have all three: a durable record, a rule-level explanation, and a replay.
AFTERComplete
Every catalog-covered evaluation carries the record, explanation, and replay required to defend it.
Verification coverage is the share of quotes the bank can defend with a record of the answer, an explanation of why it was produced, and a replay against the applicable catalog version.
Built to sit underneath your stack.
Assistant vendors and digital banking providers query Zaleo per evaluation. The bank maintains the truth layer, and evaluation revenue can be shared with the bank.
Alkami
Q2
Lumin
Posh
Compatibility direction only. Zaleo is designed to plug into these categories and platforms; this does not claim an existing integration or commercial relationship.
Security & trust
Built for evidence, not just answers.
Product truth has to survive a handoff, an escalation, and an examination. The record is part of the product.
01
Tenant-isolated architecture
Bank data and catalogs are logically isolated by tenant at every query boundary.
02
Append-only audit trail
Decision records preserve the inputs, output, rule trace, catalog version, and time of evaluation.
03
Examiner-readable exports
Evidence can be reviewed without Zaleo software, avoiding a proprietary viewer as a condition of access.
04
Deterministic replay
The same version and inputs reproduce the same result. Prior decisions can also be compared with the current catalog.
05
SOC 2 path
SOC 2 Type I targeted at launch, with a Type II roadmap. No SOC 2 report is currently available.
Founder
Built by a banker who has spent years inside the decisions this system needs to defend.
Asad has 12 years in banking, including the last four as a director-level consultant to community bank and credit union executives on digital strategy, design, user research, and AI.
See what your bank can defend today.
Start with a working session on one product family, or discuss a 30-Day Quote Audit.
hello@zaleo.ai: placeholder address; founder to replace before launch.