AI financial agent
Mao
The AI agent of MaoBank — built to help customers understand, manage, and optimize every kind of payment they make.
Built for questions, decisions, and action
Most financial assistants stop at support. Mao is being built to go further — helping customers understand how money moves, compare options, prepare actions, and optimize everyday financial behavior.
- 01
Guide
Understand procedures, restrictions, fees, timelines, and payment options before money moves.
- 02
Operator
Prepare transfers, manage subscriptions, review payment activity, and control movement across accounts.
- 03
Strategist
Compare routes, optimize FX decisions, reduce friction, and improve recurring payment behavior over time.
Ask Mao anything about money movement
From fees and restrictions to payment optimization — Mao is built to answer the questions banks usually make hard to find.
- Can I send money to Brazil from my EUR balance?
- Why was my card payment declined?
- What's the cheapest way to pay this supplier?
- Which payment method is best for this purchase?
- Why is my transfer delayed?
- Can I send USDC on this network?
- What fees apply to this remittance?
- How do I reduce FX costs on repeated payments?
- Show me subscriptions I should review
- Prepare this payment for approval
Built for real financial activity
Mao covers the full range of modern money movement — from daily purchases to cross-border business payments.
Shopping
Choose the right payment method, understand merchant issues, and track spending behavior.
Remittances
Understand corridors, fees, requirements, and faster ways to send recurring support payments.
FX payments
Compare routes, timing, and conversion tradeoffs before money moves across currencies.
Crypto
Navigate supported assets, networks, fees, and settlement considerations.
Subscriptions
Review recurring charges, flag anomalies, and manage payment methods for active subscriptions.
Cards
Control virtual and physical cards, set limits, freeze, and understand declined transactions.
Multicurrency balances
Manage holdings across currencies, optimize conversions, and plan movements.
Business payments
Prepare supplier invoices, manage approval workflows, and track operational spend.
Supplier transfers
Compare routes, fees, and timelines for recurring vendor and contractor payments.
Team spend
Monitor team card activity, review limits, and enforce spend policies across the organization.
From information to action
Mao operates across three progressive modes — from answering questions to managing payments to rule-based automation.
Ask Mao
Get answers, understand fees, restrictions, timing, and payment methods.
- Explain transfer procedures
- Show available payment routes
- Break down fee structures
- Clarify compliance requirements
Manage with Mao
Prepare payments, review subscriptions, analyze spend, and optimize recurring flows.
- Prepare payments for approval
- Review and adjust subscriptions
- Optimize FX conversion timing
- Adjust card settings and limits
Delegate to Mao
Set rules, automate within limits, and let Mao operate on pre-approved actions.
- Rule-based automation
- Routing preferences
- Threshold-based alerts
- Pre-approved recurring actions
Why financial intelligence should be native
Modern users make many local and international payments, shop across borders, hold multiple balances, manage subscriptions, move between rails, and increasingly interact with crypto and business spending flows. Most banks are not built to help in real time.
Mao is being built so users can ask one layer for clarity, control, and action across the whole system.
- 01
Less confusion
Clear answers to fees, restrictions, timelines, and procedures.
- 02
Fewer failed payments
Proactive guidance before issues occur.
- 03
Better route decisions
Intelligent comparison across rails, currencies, and methods.
- 04
Lower friction
From questions to prepared actions in a single flow.
Built into the MaoBank platform
Mao is the intelligence layer connecting every product in the MaoBank system.
- 01
Velocity
Mao helps manage daily spending, subscriptions, travel payments, and multicurrency activity.
- 02
MaoSwitch
Mao explains and optimizes payment routing decisions across rails and currencies.
- 03
MaoMiles
Mao helps customers understand how activity turns into better rates and rewards.
- 04
MaoFlow
Mao helps businesses manage supplier payments, team approvals, and operational spend.
- 05
MaoPass
Mao supports payment identity, checkout continuity, and transaction trust.
Built with control
Mao is designed to operate with clarity, permissions, and user-defined boundaries at every level.
01 —
Inform
Mao explains and compares options — no action taken.
02 —
Prepare
Mao drafts actions for user review — nothing executes without approval.
03 —
Execute with consent
Mao acts only after explicit user confirmation.
04 —
Rule-based automation
Mao operates within user-defined limits — amount thresholds, approved recipients, chosen currencies, and allowed rails.