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High-Security Banking

A bank-grade voice agent designed for high-value financial transactions. Combines voiceprint biometrics with PIN verification for dual-factor authentication, uses voice approvals (HITL) before executing sensitive transactions, and supports conference calling to bring in a supervisor for large transfers.

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Voice Features Used

FeaturePurpose
Voice BiometricsVoiceprint verification as first authentication factor
Caller AuthenticationPIN entry via DTMF as second factor
Voice Approvals (HITL)Verbal confirmation before executing transactions
Conference CallingAdd supervisor for high-value transaction co-approval
Compliance & SecurityRecording consent, guardrails, blocked topics
Hold / ResumeHold while verifying transactions
Sentiment EscalationTransfer to supervisor if caller becomes frustrated
Call RecordingFull call recording for audit trail

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How It Works

Caller: "I need to transfer $15,000 to my savings account."
-> Voice biometrics: "Please say: My voice is my password"
-> PIN verification: "Please enter your 4-digit PIN"
-> Both pass: "Identity verified. Welcome back, John."
-> Voice approval: "I'd like to transfer $15,000 to your savings. Should I proceed?"
-> Caller: "Yes, go ahead."
-> Amount > $10,000: "For a transfer this large, I'd like to bring my supervisor on the line for co-approval."
-> Conference call with supervisor
-> Transaction executed

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Configuration

{
  "voiceBiometricsEnabled": true,
  "voiceBiometricsProvider": "internal",
  "voiceBiometricsEnrollPhrase": "My voice is my password",
  "voiceBiometricsConfidenceThreshold": 0.8,
  "voiceBiometricsFailAction": "transfer",
  "callerAuthEnabled": true,
  "callerAuthType": "pin",
  "callerAuthMaxAttempts": 3,
  "voiceApprovalEnabled": true,
  "voiceApprovalMode": "blocking",
  "conferenceCallingEnabled": true,
  "conferenceMaxParticipants": 3,
  "guardrailsEnabled": true,
  "allowedTopics": ["account", "transfers", "payments", "loans", "cards", "security"],
  "blockedTopics": ["investment advice", "politics", "competitors"]
}

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Example — Create Agent

curl -X POST https://api.thinnest.ai/v1/agents \
  -H "Authorization: Bearer $THINNESTAI_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "High-Security Banking Agent",
    "model": "gpt-4o",
    "instructions": "You are a high-security banking agent. Verify identity via voiceprint AND PIN before any account access. For transactions over $1,000, use voice approval. For transactions over $10,000, conference in a supervisor.",
    "voiceEnabled": true,
    "transcriber": { "provider": "deepgram", "model": "nova-2-conversationalai" },
    "voice": { "provider": "deepgram", "voiceId": "aura-2-thalia-en" },
    "voiceBiometricsEnabled": true,
    "voiceBiometricsProvider": "internal",
    "voiceBiometricsEnrollPhrase": "My voice is my password",
    "voiceBiometricsConfidenceThreshold": 0.8,
    "callerAuthEnabled": true,
    "callerAuthType": "pin",
    "callerAuthMaxAttempts": 3,
    "voiceApprovalEnabled": true,
    "voiceApprovalMode": "blocking",
    "conferenceCallingEnabled": true,
    "conferenceMaxParticipants": 3,
    "complianceConsentEnabled": true,
    "complianceConsentMessage": "This call is being recorded for security and quality purposes.",
    "guardrailsEnabled": true,
    "allowedTopics": ["account", "transfers", "payments", "loans", "cards", "security"],
    "holdEnabled": true,
    "sentimentEscalationEnabled": true,
    "sentimentThreshold": 3,
    "sentimentEscalationAction": "transfer",
    "recordingEnabled": true
  }'