--- title: "AI for Financial Services: KYC, Credit and Covenants | Kylon" description: "AI agents for lenders, insurers and investment firms: KYC refresh, credit reviews, covenant tests and claims triage, with people approving each decision." url: "https://kylon.io/use-cases/topics/financial-services" language: "en" --- [Back to use cases](https://kylon.io/use-cases) Financial services # AI for Financial Services Financial services firms use Kylon to run reviews and research where every decision needs evidence. Agents refresh KYC files against Box documents and HubSpot records, recompute loan covenant ratios from borrower statements, propose credit limits from Stripe payment history and triage new insurance claims against the policy schedule. Investment firms keep deals, diligence and the quarterly letter on one record. A named owner approves each decision. [Get started](https://app.kylon.io/sign-up) ## Financial services use cases [ Before: Re: dec pages, Moreno, Which one do I pick?, Quote compare v4, Waiting for signature, Moreno follow up. With Kylon: $710 a year saved for one household. Lined up 4 carrier quotes in one table. Workflow tools: Gmail, Outlook, Google Calendar, Google Sheets. ### Insurance Agencies: From First Quote to Renewal Leads, quotes, proposals, binds and renewals for an independent agency - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Google Calendar](https://kylon.io/v2/integrations/small/google-calendar.webp) - ![Google Sheets](https://kylon.io/v2/integrations/small/google-sheets.webp) ](https://kylon.io/use-cases/insurance-agencies)[ Before: Fwd: rate news??, signals\_tracker\_old, did anyone see this?, brief\_mon\_v2.docx, Re: Re: comps update. With Kylon: Desk briefed by 7am daily. Compiled 42 signals overnight. ### How a Fintech Team Built a 24/7 Market Intelligence System Agents watch market signals and compile a daily brief. - ![Google Trends](https://kylon.io/v2/integrations/google-trends.png) - ![X (Twitter)](https://kylon.io/v2/integrations/small/x-com.webp) - ![Reddit](https://kylon.io/v2/integrations/reddit-com.png) - ![LinkedIn](https://kylon.io/v2/integrations/small/linkedin-com.webp) - ![Google BigQuery](https://kylon.io/v2/integrations/cloud-google-com.png) - ![Notion](https://kylon.io/v2/integrations/small/notion-so.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) ](https://kylon.io/use-cases/market-intelligence)[ Before: Re: still need W-2, FW: bank stmt Oct, client\_docs (old), 3rd reminder sent?, Re: status update?. With Kylon: 20 hours back to billable work. Chased 31 missing client docs. Workflow tools: Gmail, Outlook, Google Drive. ### Accounting Firms: Turning Client Follow-Up Back Into Billable Capacity Agents chase client documents and track status across systems. - ![QuickBooks](https://kylon.io/v2/integrations/quickbooks-intuit-com.png) - ![Xero](https://kylon.io/v2/integrations/xero-com.png) - ![Karbon](https://kylon.io/v2/integrations/small/karbonhq-com.webp) - ![DocuSign](https://kylon.io/v2/integrations/small/docusign-com.webp) - ![Dropbox](https://kylon.io/v2/integrations/small/dropbox-com.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) ](https://kylon.io/use-cases/accounting-firm-operations)[ Before: FW: intro, Series A, DD list v4 (final), Q3\_letter\_draft3, IC moved again, need audited FS. With Kylon: 3 deals ready for IC Monday. Chased 17 open diligence items. Workflow tools: Outlook, Gmail, Google Drive, Google Calendar. ### Investment Firms and Family Offices: Every Deal, Request and Report on One Record Deals, diligence and LP reports kept on one shared record. - ![DocuSign](https://kylon.io/v2/integrations/small/docusign-com.webp) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![Dropbox](https://kylon.io/v2/integrations/small/dropbox-com.webp) - ![Airtable](https://kylon.io/v2/integrations/small/airtable-com.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Google Calendar](https://kylon.io/v2/integrations/small/google-calendar.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) ](https://kylon.io/use-cases/investment-firm-operations)[ Before: 3 late payments, credit\_rpt\_2025.pdf, limit: $50k??, memo uses old #s, limit\_table\_v3. With Kylon: Bad-debt risk cut on 3 accounts. Set 26 limits by the table. Workflow tools: Box, Google Drive, Salesforce, Slack, Stripe. ### Annual Credit Review: Limits and Holds Set by Policy, Account by Account Agents propose credit limits and holds from payment history. - ![Salesforce](https://kylon.io/v2/integrations/small/salesforce-com.webp) - ![Stripe](https://kylon.io/v2/integrations/small/stripe-com.webp) - ![QuickBooks](https://kylon.io/v2/integrations/quickbooks-intuit-com.png) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![DocuSign](https://kylon.io/v2/integrations/small/docusign-com.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) ](https://kylon.io/use-cases/customer-credit-review)[ Before: dinner, $240, OK?, pre-approval?, tender closes 11/20, Re: gift basket, is this over limit?. With Kylon: 2 over-limit gifts caught. Summed totals per counterparty. Workflow tools: Gmail, Google Calendar, Google Drive, Notion, Outlook, Slack. ### Gifts and Entertainment Review: A Quarterly Register That Adds Up by Counterparty Declarations matched to pre-approvals and totalled by counterparty. - ![Notion](https://kylon.io/v2/integrations/small/notion-so.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Google Calendar](https://kylon.io/v2/integrations/small/google-calendar.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) ](https://kylon.io/use-cases/gifts-and-entertainment-review)[ Before: OK to sell today?, blackout extended, restricted list v1, is ACME restricted?, preclear\_log.xlsx. With Kylon: Trades cleared within policy. Checked 22 requests vs tiers. Workflow tools: Google Calendar, Google Drive, Notion, Outlook, Slack. ### Insider Trading Preclearance: Clearances That Respect Tier, Blackout and Restricted List Trade requests checked against tier, blackout dates and restricted list. - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Google Calendar](https://kylon.io/v2/integrations/small/google-calendar.webp) - ![Notion](https://kylon.io/v2/integrations/small/notion-so.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) ](https://kylon.io/use-cases/insider-trading-preclearance)[ Before: FNOL #31: roof gone, photos\_storm.zip, reserve band old, adjuster: unassigned, 31 claims, help. With Kylon: 22 claims moving the same day. Triaged 31 storm notices. Workflow tools: Airtable, Box, Gmail, Google Drive, Salesforce, Slack. ### FNOL Claims Triage: New Claims Routed, Reserved and Assigned on Policy New claims read against policies, with reserve and adjuster proposed. - ![Salesforce](https://kylon.io/v2/integrations/small/salesforce-com.webp) - ![Google Sheets](https://kylon.io/v2/integrations/small/google-sheets.webp) - ![Airtable](https://kylon.io/v2/integrations/small/airtable-com.webp) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) ](https://kylon.io/use-cases/insurance-claims)[ Before: POA\_2024.pdf (old), screening alert open, next review: blank, docs request #3, Harrow ready?. With Kylon: 10 accounts reviewed on time. Caught a 14-month-old address. Workflow tools: Box, Gmail, Google Drive, HubSpot, Outlook, Slack. ### KYC Periodic Refresh: Each Due Account Reviewed Against the Whole Policy Due accounts reviewed against documents, screening and the policy. - ![HubSpot](https://kylon.io/v2/integrations/small/hubspot-com.webp) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) ](https://kylon.io/use-cases/kyc-periodic-refresh)[ Before: Q3\_financials.xlsx, certificate late, LN-2214: compliant, Re: Kemp ratios, who watches 2214?. With Kylon: 4 breaches flagged early. Recomputed ratios on 28 loans. Workflow tools: Box, Gmail, Google Drive, Outlook, Salesforce, Slack. ### Loan Covenant Monitoring: Ratios Recomputed Whenever a Borrower's Numbers Change Covenant ratios recomputed from borrower statements each quarter. - ![Salesforce](https://kylon.io/v2/integrations/small/salesforce-com.webp) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![Outlook](https://kylon.io/v2/integrations/small/outlook.webp) - ![Excel](https://kylon.io/v2/integrations/microsoft-com.png) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) ](https://kylon.io/use-cases/loan-covenant-monitoring)[ Before: MA-122 dup of 121?, bank\_stmt\_3.pdf, test charge failed, Merchant: any news?, reserve rate?. With Kylon: New merchant live this week. Re-ran MA-2026-122 checks. Workflow tools: Box, Gmail, Google Drive, HubSpot, Slack, Stripe. ### Merchant Underwriting: Each Application Decided on Its Own Packet and Test Charges Applications decided from the ticket, packet and test charges. - ![Stripe](https://kylon.io/v2/integrations/small/stripe-com.webp) - ![HubSpot](https://kylon.io/v2/integrations/small/hubspot-com.webp) - ![Box](https://kylon.io/v2/integrations/small/box-com.webp) - ![Google Drive](https://kylon.io/v2/integrations/small/google-drive.webp) - ![Slack](https://kylon.io/v2/integrations/small/slack-com.webp) - ![Gmail](https://kylon.io/v2/integrations/small/gmail.webp) ](https://kylon.io/use-cases/merchant-underwriting) ## Questions teams ask How can an investment firm or family office use AI agents? Intros, diligence lists, portfolio updates and the quarterly letter to principals often run through a few people and their inboxes. In Kylon, that work runs in rooms on one shared record: agents read the email and documents, track requests and draft updates, and a partner approves everything that leaves the firm. Can AI agents monitor loan covenants? Yes. Each quarter agents compute ratios from borrower statements in Box, read compliance certificates in Outlook and test each loan against its covenants, recomputing whenever a borrower's numbers change. The result decides who watches the loan, and the portfolio manager approves each disposition and tier before Salesforce changes. Who approves the decisions the agents prepare? The person with authority for that decision. The KYC lead approves account status changes, the credit lead approves limits and holds, the underwriting manager approves merchant decisions before the merchant hears back, and a compliance officer issues every trade preclearance. Agents propose each decision with the evidence attached. Where should a financial services firm start? Start with KYC periodic refresh. Due accounts arrive on a schedule, the policy is written down and the evidence is spread across Box, screening results in Outlook and HubSpot. Agents propose each account's status against the whole policy and the KYC lead approves every change, which gives a clear audit trail from the first cycle.