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💰 Fintech🏗️ 4 Tech Levels🚀 Production-Grade

Credit Risk AI

See 4 architectures solve real problems: MCP → RAG → Multi-Tool → Multi-Agent

December 19, 2025
demointeractivecredit-riskfintechmulti-agent
🤖Demo 1 of 4

Advanced Multi-Agent System

BOFU: Production LangGraph with Router → Risk Specialists → Aggregation

1. Select Analysis Scenario

Application requiring all 4 specialist agents (thin file, gig income, recent address change)
Competitors: Applicant: Sarah Chen, 28, gig worker, FICO: 680 (thin file, 2 tradelines), Income: $72K (Uber + freelance design)

2. Monday's Prompt

This positioning analysis prompt from Monday's insight will be processed by Tuesday's agents in Wednesday's workflow.

3. Run Multi-Agent Workflow

You'll see 5 AI agents: Data Collector → Messaging Analyzer → Position Mapper → Strategy Advisor → Insight Generator
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🔌Demo 2 of 4

MCP Tool Use Pattern

TOFU: LLM calls credit risk tools via Model Context Protocol - see real execution

Automation Task

User query → LLM decides tool (get_credit_report) → Executes Experian API → Returns formatted analysis

Monitoring:Applicant: John Doe, SSN: XXX-XX-1234
ai-agent-terminal

Terminal ready. Run simulation to begin.

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🔍Demo 3 of 4

RAG-Based Search

MOFU: Search 10,000+ credit histories with vector similarity

Search Query

"Search Similar Thin File Cases"

Embed query → Search 10,000 vectors → Retrieve top 5 similar cases → Generate risk insights

Document Sources:Case 1: FICO 685, thin file (20 months), gig income $68K, DTI 35%, APPROVED $12KCase 2: FICO 675, thin file (16 months), gig income $75K, DTI 40%, APPROVED $15KCase 3: FICO 690, thin file (22 months), gig income $70K, DTI 36%, APPROVED $18KCase 4: FICO 680, thin file (18 months), gig income $72K, DTI 38%, APPROVED $15KCase 5: FICO 670, thin file (15 months), gig income $69K, DTI 42%, DECLINED

RAG Vector Search Network

Embedding
Searching
Generating
Query
Vector
Documents
Result

Search Results

Run visualization to see results

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🛠️Demo 4 of 4

Multi-Tool Orchestration

MOFU: Multiple risk tools working together automatically

ROI Analysis

Orchestrator calls: Credit Monitor (50K accounts) → Fraud Scanner (50K accounts) → Income Verifier (50K accounts) → Delinquency Predictor (50K accounts) → Report Generator → Alert Tool (high-priority only)

Integrations:Portfolio: 50,000 active credit card accountsMonitoring: Fraud signals, income changes, FICO drops, utilization spikes, delinquency riskOutput: Dashboard + Email report + Slack alerts (high-priority only)
Manual Process

Time to Complete

240 min

Cost per Analysis

$850

Data Points Analyzed

150

Accuracy Rate

73.0%

Reports per Day

2

Error Rate

18.0%

Ready for Production Credit Risk System?

We'll build your custom system: MCP tools (TOFU) → RAG search (MOFU) → Multi-tool (MOFU) → Multi-agent (BOFU). From demos to deployment in 8 weeks. FCRA compliant, SOC 2 certified, 10x throughput, 71% cost reduction.

Book Architecture ReviewStart with MCP Tools (TOFU)
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