What Agent IQ does

Agent IQ is a private fintech company founded in 2015 and headquartered in Austin, Texas that provides an AI-powered relationship banking platform, branded Lynq, for community banks and credit unions across the United States and Canada. The platform unifies digital engagement channels (live chat, authenticated persistent messaging, video banking, co-browsing, voice, SMS, WhatsApp, and Facebook Messenger) under a single persistent conversation thread anchored by an account holder's selected personal banker. Around this engagement core, Agent IQ has layered an AI stack comprising Lynq AI (generative AI self-service and conversation summarization), Smart Drive (an institutional knowledge foundation), Smart Assist (generative AI guidance for staff grounded in institution-approved content), and Smart Control (governance and agentic AI workflow automation for back-office processes), with real-time translation supporting over 120 languages and SOC 2 Type II compliance. Key integrations include Q2 Holdings' digital banking platform for embedded distribution, IDScan.net for identity verification, DocuSign and Adobe Sign for e-signature, and Microsoft Teams for internal staff deployment.

The company sells exclusively to financial institutions, with primary customer segments being retail, commercial, and community banks and credit unions, plus secondary use cases in wealth management, virtual branch, call center support, and business banking. It operates an enterprise SaaS subscription model with annual billing and quote-based pricing tailored to institution size and feature scope, and reports typical implementations in 6-8 weeks without core system integration. GTM is direct enterprise field sales augmented by the Q2 partnership channel and accelerator-driven referral networks. Agent IQ is venture-backed (approximately $18.5 million in disclosed equity funding across seed, Series A, and strategic rounds, plus a 2025 SaaS Capital debt facility), led by Slaven Bilac (former Google machine intelligence, PhD in NLP), with operational leadership including COO Soren Bested, CMO Matt Phipps, and CSO Michael Lee, and a board chaired by Sierra Ventures Managing Director Tim Guleri. Reported customer outcomes include 24% higher average balances, 3x loan conversion, 388% increase in funded applications, and 71% overnight call center volume reduction.

Name

Agent IQ

Legal name

Agent IQ, Inc.

Website

https://agentiq.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Agent IQ provides an AI-powered relationship banking platform, Lynq, that enables community banks and credit unions in the US and Canada to deliver persistent digital engagement, generative AI self-service, and AI-assisted staff support across chat, messaging, and video channels.

Ownership category

akta.pro rank

Product category

Banking Customer Engagement Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)

akta.pro secondary industries

Agents & Autonomous Workflows (Tool Use, Planning, Multi-Agent) (HDAAACAF), Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

Keywords

• Relationship banking platform
• Digital customer engagement
• Conversational banking AI
• Credit union technology
• Bank messaging solutions

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscription: Agent IQ operates as a SaaS platform provider for financial institutions. The Lynq platform is delivered as a subscription service with implementation and support services included. Most clients launch within 6-8 weeks of signing a contract.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Agent IQ provides an AI-powered relationship banking platform (Lynq) for banks and credit unions that combines agentic AI, generative AI, and persistent digital engagement across chat, messaging, video banking, and co-browsing. The platform enables financial institutions to deliver AI self-service and staff-led support within a unified experience, augmented by modular Smart Drive, Smart Assist, and Smart Control components for knowledge management, staff guidance, and AI governance.

Product overview

Agent IQ offers a unified AI-powered relationship banking platform with modular components. The core Lynq platform enables digital customer engagement through chat, messaging, video banking, and co-browsing. This is augmented by Lynq AI (generative AI and self-service capabilities) and three Smart products: Smart Drive (institutional knowledge foundation), Smart Assist (generative AI staff guidance), and Smart Control (AI governance and workflow automation). The platform is available in tiers including Lynq Smart Chat (self-service), Lynq Persistent Messaging (authenticated messaging), and Lynq Relationship Banking (full-featured engagement with personal banker selection), all delivered as a SaaS solution.

Differentiator

Problem solved

Functional benefit

Brands

• Lynq®: AI-powered relationship banking platform for banks and credit unions
• Lynq® AI
• Smart Assist
• Smart Drive
• Smart Control
• Banker Lynq™
• Lynq Up™

Products and services

• Lynq

Quantifiable outcome

• 24% higher average balances with personal banker engagement
• +9 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability10 records

Feature8 records

Partnerships

Five partnerships are on record, tiered extended and core.

• IDScan.netextendedTechnology or Integration · 16 November 2025IDScan.net provides Digital Identity Verification (DIVE) technology integrated into Agent IQ's Lynq platform. The integration enables instant verification of IDs during digital interactions to enhance fraud prevention for banks and credit unions.
• Q2 HoldingscoreTechnology or IntegrationQ2 is a leading provider of digital banking platforms for community financial institutions. The partnership enables Agent IQ's Lynq platform to be offered as an integrated feature within Q2's digital banking environment, allowing financial institutions to access relationship banking capabilities directly within their existing Q2-powered digital banking experience. Roger Amador, VP of Business Development at Q2, stated: 'The expansion of our partnership through Agent IQ's Lynq solution will help bring modern relationship banking combined with a customer-centric engagement model and AI automation to our bank and credit union customers.'
• Founders Arena WealthTech AcceleratorextendedStrategic or Co-development PartnerAgent IQ participated in the second annual WealthTech Combine event hosted by Founders Arena in collaboration with First Rate Inc., SEI, Republic Capital Group, the City of Arlington, and the Arlington Economic Development Corporation. The 12-week accelerator program featured six portfolio companies presenting business pitches for the wealth management industry.
• Worldwide Business Research (WBR)extendedStrategic or Co-development PartnerAgent IQ partnered with WBR Insights and Future Branches to produce the annual Banking from Anywhere consumer report, surveying U.S. consumers on mobile, remote, and in-person banking preferences. This thought leadership initiative generates industry insights and positions Agent IQ as a leader in relationship banking research.
• Docusign and Adobe SignextendedTechnology or IntegrationAgent IQ's Lynq platform integrates with DocuSign and Adobe Sign for secure electronic signature capabilities, enabling financial institutions to complete document signing workflows digitally within the Lynq engagement experience.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• nCino: nCino is a broader bank operating system used by many of the same community and mid-market FIs that Agent IQ targets; while not focused on conversational AI, it competes for the same FI digital transformation wallet and could bundle engagement features.
• Salesforce Financial Services Cloud: Salesforce FSC is a broad incumbent banking CRM and engagement platform already installed at many FIs, with native Einstein AI capabilities that compete with Agent IQ's Smart Assist and Smart Drive for the AI for staff and engagement budgets.
• Verint: Verint provides customer engagement and workforce optimization solutions widely deployed in financial services, overlapping with Agent IQ on AI-assisted agent workflows, call center efficiency, and back-office automation.
• LivePerson: LivePerson is an established conversational AI and messaging platform serving large enterprises including financial services, competing with Agent IQ on AI-powered messaging, voice, and agent-assist capabilities.
• Microsoft Dynamics 365 Customer Service: Microsoft's Dynamics 365 customer service and Copilot stack competes with Agent IQ on AI-assisted engagement and staff enablement, leveraging Microsoft's enterprise FI footprint and bundled Azure/data positioning.

Direct peers

• Kasisto: Kasisto provides KAI, a conversational AI platform for banking customer service and employee assist - directly comparable to Agent IQ's AI self-service and Smart Assist modules for the same FI buyer.
• Glia: Glia is the most direct competitor - a digital customer service platform purpose-built for banks and credit unions, offering chat, voice, video, and co-browsing with AI assistant capabilities, closely overlapping with Agent IQ's Lynq channel coverage and FI target buyer.
• UJET: UJET is a cloud contact center platform with financial services vertical specialization, overlapping with Agent IQ on call center support, AI self-service, and digital channel engagement for FIs.
• Posh AI: Posh builds conversational AI assistants specifically for banks and credit unions, competing head-to-head with Agent IQ's Lynq AI and Smart Assist on AI-driven member engagement, knowledge Q&A, and staff enablement within FIs.

Emerging players

• Zogo Finance: Zogo Finance is an emerging fintech that partners with banks and credit unions on embedded financial literacy - a partial overlap with Agent IQ's FI engagement motion though narrower in product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/agent_iq
• YouTubevimeo.com/agentiq
• LinkedInlinkedin.com/company/agent-iq

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds5 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Agent IQ