Built for regulated financial services

The secure AI workspace compliance can actually approve.

AI Workspace by ApplyOn is the metered, ring-fenced, audit-ready AI operating system for credit unions, brokers, and mid-market financial institutions — natively embedded in Microsoft 365 and Google Workspace.

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93%: Faster document intake
$14k: Monthly labor savings*
0: Data retained by models
100%: Human-in-the-loop

CFPB-aligned Reg B logging NCUA audit-ready trails SOC 2 controls Zero-data-retention APIs SSO / Active Directory

The Dilemma

AI is now unavoidable. Public AI is unsafe.

Underwriters, loan officers and compliance teams are drowning in 50-page mortgage files, scanned tax documents, bilingual emails and recorded calls. Generic ChatGPT sessions solve the workload — and create a regulatory time bomb.

Shadow AI

Staff paste PII into public models.

Regulator crackdown

CFPB & NCUA on Reg B, UDAAP, opacity.

Runaway spend

Untracked seats, surprise invoices.

Platform

One workspace. Every regulated workflow.

A compliance-first AI wrapper that replaces multi-year custom builds with a pre-configured financial productivity suite.

Enterprise security backbone

Air-gapped private LLMs, granular RBAC, immutable audit trails. Your data never trains public models — ever.

Metered token budgeting

Assign token quotas by branch, department or individual broker. Real-time analytics down to the cent.

Native Office & Workspace

Lives inside Outlook, Word, Teams, Gmail, Docs. Zero training, zero context-switching.

Document intelligence

Parse bank statements, W-2s, 1040s, IDs. Extract DTI, flag inconsistencies, generate summary sheets.

Compliant call transcription

Auto-transcribe discovery calls, verify disclosures verbatim, draft follow-ups into your CRM.

Collaboration & approvals

Peer review, tag colleagues, route decisions through official internal approval chains.

Workflows

Pre-built for financial services.

01Mortgage underwriting

45-minute intake → 8 minutes.

Chaotic bundles of W-2s, 1040 schedules and paystubs parsed instantly. Gross monthly income, DTI, and discrepancy flags surfaced for human sign-off.

02KYC / KYB onboarding

ID and entity verification at the click.

Scan passports, state IDs, articles of organization. Fields extracted, layout verified, checks run against internal databases.

03Adverse action & correspondence

Reg B–safe letters, drafted in seconds.

Reads the full email thread, references your internal compliance library, and drafts a personalized response directly in Outlook or Gmail.

04Call recording & disclosures

Every disclosure, verified verbatim.

Accurate transcripts scan for required legal disclosures. Interaction summaries file themselves to the compliance record.

Compliance mandate: ApplyOn strictly enforces a human-in-the-loop architecture. The AI never denies a loan, sends a communication, or executes an action autonomously — a qualified human reviews and signs off every output.

Security architecture

Passes info-sec review on day one.

Built to survive federal and state examination. Encrypted single-tenant environments, zero-data-retention APIs, and an unalterable ledger for every prompt, output, and human decision.

Zero-data-retention APIs
Payloads deleted the moment a session ends.
Immutable audit ledger
Input, model, output, reviewer — every action time-stamped.
Role-based access & quotas
Active Directory sync; token budgets by branch.

Data flow

Step 1

Client input

Tax returns · IDs · Call audio

Step 2

Isolated tenant

Encryption at rest & transit · PII redaction

Step 3

Audit ledger

User ID · timestamp · model · sign-off

Step 4

Private LLM

Zero-data-retention · prompt deleted

The financial matrix

Hard ROI. From week one.

45 → 8 min

Application processing

Manual intake for a standard mortgage folder drops from 45 minutes to 3 minutes of AI structuring and 5 minutes of human audit.

$14,062

Monthly labor savings

At 500 applications a month and $45/hour loaded cost — measurable line-item efficiency from month one.

>$100k

Fine exposure avoided

A single Reg B or UDAAP failure can exceed six figures. Standardized rationale logs prevent unexplainable adverse actions.

Compare

Built for the way regulators think.

Capability	Public generative AI	Legacy OCR software	AI Workspace by ApplyOn
Data retention	Retains for training	N/A — no generation	Zero-data-retention
Workflow integration	Copy-paste to browser	Legacy desktop UI	Native in Outlook, Word, Docs
Financial specialization	Generic, hallucinates numbers	Rigid OCR templates	Pre-configured for W-2, 1040, ID, audio
Budget controls	Flat per-seat, no tracking	Heavy upfront licensing	Centralized token metering
Audit compliance	None	Data entry logs only	Unalterable AI-vs-human ledger

Who it's for

The pitch, by seat at the table.

Member trust & security

Credit unions

Serve members twice as fast — approving loans and answering inquiries in minutes — without ever risking member privacy or failing a regulatory audit.

Speed & volume

Mortgage & insurance brokers

Automate the tedious paperwork — parsing bank statements, transcribing calls, drafting follow-ups — inside Outlook or Gmail. Close more deals with the team you already have.

Governance

CFOs & IT directors

Stop staff pasting sensitive client data into public ChatGPT. Total governance: who uses AI, what for, and every token precisely budgeted.

Deployment

From kickoff to enterprise launch in 31 days.

STEP 01
Days 1–14
Secure pilot
Private cloud tenant provisioned. Active Directory integrated. Pilot cohort onboarded.
STEP 02
Days 15–30
Workflow calibration
Redacted document sets tune income extraction and disclosure tracking to your standards.
STEP 03
Day 31+
Enterprise launch
Token-metered access unlocked. Native plug-ins deployed to Office & Workspace. Minimal training required.

Empower your team.
Control your data.

Book a 30-minute executive walkthrough. See a live compliance ledger, token metering console, and a mortgage file parsed end-to-end.