> ## Documentation Index
> Fetch the complete documentation index at: https://docs.thinnest.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# 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](/docs/voice/tools/voice-biometrics)         | Voiceprint verification as first authentication factor |
| [Caller Authentication](/docs/voice/tools/caller-auth)         | PIN entry via DTMF as second factor                    |
| [Voice Approvals (HITL)](/docs/voice/tools/voice-approvals)    | Verbal confirmation before executing transactions      |
| [Conference Calling](/docs/voice/tools/conference-calling)     | Add supervisor for high-value transaction co-approval  |
| [Compliance & Security](/docs/voice/tools/compliance-security) | Recording consent, guardrails, blocked topics          |
| [Hold / Resume](/docs/voice/tools/hold-resume)                 | Hold while verifying transactions                      |
| [Sentiment Escalation](/docs/voice/tools/sentiment-escalation) | Transfer to supervisor if caller becomes frustrated    |
| [Call Recording](/docs/voice/tools/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 executed
```

## Configuration

```json theme={null}
{
  "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

```bash theme={null}
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
  }'
```