Templates
High-Security Banking
Bank-grade voice agent with voiceprint + PIN dual authentication, voice approvals before high-value transactions, and conference calling for supervisor escalation.
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.
Voice Features Used
| Feature | Purpose |
|---|---|
| Voice Biometrics | Voiceprint verification as first authentication factor |
| Caller Authentication | PIN entry via DTMF as second factor |
| Voice Approvals (HITL) | Verbal confirmation before executing transactions |
| Conference Calling | Add supervisor for high-value transaction co-approval |
| Compliance & Security | Recording consent, guardrails, blocked topics |
| Hold / Resume | Hold while verifying transactions |
| Sentiment Escalation | Transfer to supervisor if caller becomes frustrated |
| Call Recording | Full call recording for audit trail |
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 executedConfiguration
{
"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"]
}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
}'