Built for how banks will run next
The risk and rating platform a machine can drive
Agentic risk solutions for banks. PhynRisk calculates capital, ALM, IRRBB and IFRS 9 on one engine, and PhynRate runs credit rating. Both can be driven by your people or by AI agents, with every number carrying the evidence behind it.
45 minutes with the people who built it. No slides.
IRRBB · year-end 2025
Ask the agent…
50%faster to go live
65%faster rule and scenario changes
Everyfigure traceable to its source
Our estimates for a fully deployed risk suite at a mid-sized bank.
PhynRisk · one engine
One source of data.
Numbers that agree.
When every system loads its own extract, month-end goes on explaining the differences. PhynRisk reads positions, market and reference data once, for every measure.
Explore PhynRiskMonth-end / 31 Dec 2025 · €12.4bn book
Typical setup · illustrative
own copy · extract 29 Dec
own copy · extract 30 Dec
own copy · extract 31 Dec
own copy · manual copy
Capital
Capital engine
extract 29 Dec · v3.2
Book total
Nordhavn Logistics A/S
RWA
€6,950m
on its own copy
ALM & IRRBB
ALM system
extract 30 Dec · own curves
Book total
Nordhavn Logistics A/S
ΔEVE parallel up
−€41m
on its own copy
IFRS 9
IFRS 9 tool
extract 31 Dec · monthly
Book total
Nordhavn Logistics A/S
ECL
€103m
on its own copy
Liquidity
Liquidity spreadsheet
manual copy · 2 Jan
Book total
Nordhavn Logistics A/S
30-day outflows
€1.86bn
on its own copy
Reconciliation
38 breaks to explain
2 days per month-end
Nordhavn: three different balances.
Illustrative · demo data
PhynRate · answers with sources
The agent doesn’t assert.
It cites.
PhynRate drafts every questionnaire answer from the documents, with the page and sentence behind it. The analyst confirms each one, and only confirmed answers reach the score.
Explore PhynRateCorvane Industrial Group / FY2025 rating · Questionnaire
- 31 unanswered questions on management, ownership, market position and more.
Score uses confirmed answers only · 0 / 31 confirmed
See the full rating flowDemo data
PhynRisk
Enterprise risk, one engine
- Regulatory capital and RWA (CRR3, Basel 3.1)
- ALM: NII, gap and liquidity
- IRRBB and FTP
- IFRS 9 expected credit loss
- Feed your existing reporting platform, or produce the returns here
PhynRate
Credit decisions, evidenced
- Scorecards, notching and overrides
- Questionnaires answered from documents, with citations
- Ratios calculated and explained on request
- Committee steps and four-eyes review
- For banks, and for rating agencies
Why it exists
Sound familiar? Here is what changes.
The implementation that never ends. Roughly 70% of the budget goes on implementation, not the licence.
Agents configure the platform from your documents. Configured on your own book, run in parallel, every difference explained.
Only a few people know how it works. When they leave, the knowledge leaves with them.
Agents run analyses and explain results. The how lives in the platform, not in someone's head.
The real work drifts into spreadsheets, because changing the system takes a project.
PhynRisk calculates it all on one engine. Capital, liquidity, IRRBB, FTP and ECL agree without being reconciled.
Your people stay in charge. The agent drafts, a person approves. Every figure can be traced back and rebuilt for a supervisor.
- 01Implementation and integrationConfigured on your own book, run in parallel with your current numbers, every difference explained.
- 02Model development and validationIFRS 9, IRB, and rating and scoring models, built and documented to stand up to a supervisor.
- 03Regulatory advisoryScoped engagements on Basel 3.1, CRR3, IFRS 9 and IRRBB.
- 04TrainingALM, IRRBB, FTP, IFRS 9 and market risk, taught by practitioners.
Become one of our first design partners.
We configure the platform on your own portfolio, you work directly with the people who built it, and you help shape the roadmap.
45 minutes. No slides.