Ponoly
Ponoly provides institutional memory infrastructure for banks and insurers, combining an agentic AI framework trained by the institution's own engineers with an encrypted Digital Deposit Box built on IBM Cloud Hyper Protect. The platform is designed for regulated environments, with compliance built into its architecture for DORA, BCBS 239, GDPR, and FIPS standards.
- AI Agents
- Artificial Intelligence
- Financial Technology
- Enterprise Software
- Software Only
- Cybersecurity
Funding
Founders
Founder details are not available yet.
Product
Problem
Regulated institutions such as banks and insurers accumulate vast amounts of institutional knowledge—records, rules, and operating discipline—that is critical for compliance and continuity but is often fragmented, undocumented, or lost when employees leave. Existing knowledge management tools fail to capture environment-specific expertise in a way that is secure, auditable, and continuously updated, creating operational and regulatory risk.
Solution
Ponoly provides institutional memory infrastructure that preserves and compounds an organization's knowledge over time. Its Aupono IMI framework is an agentic AI system deployed inside the institution and trained by the institution's own engineers, so the learning stays within the organization's environment. The framework captures records, rules, and operating procedures, becoming smarter with each interaction. Complementing this is the Digital Deposit Box, an encrypted vault for digital assets built on IBM Cloud Hyper Protect with FIPS 140-2 Level 4 security and BankID identity verification, designed so only the authorized holder can access the contents. Both products are built for compliance with DORA, BCBS 239, GDPR, and FIPS, treating regulatory adherence as a core design principle rather than an afterthought.
Target Audience
Primary customers are banks, insurers, and other regulated organizations where knowledge is a core asset and where compliance with DORA, BCBS 239, GDPR, and FIPS is mandatory. The white-label Digital Deposit Box specifically targets financial institutions seeking to replace physical safe-deposit box services with a digital equivalent.
Features
- Agentic AI framework (Aupono IMI) deployed on-premises inside the institution and trained by the organization's own engineers, ensuring the AI compounds knowledge within the institution's environment rather than in the vendor's cloud
- Three artifact tiers for structuring institutional memory, covering records, rules, and operating discipline
- Digital Deposit Box built on IBM Cloud Hyper Protect hardware security modules (HSM) with FIPS 140-2 Level 4 encryption
- BankID identity verification for accessing the encrypted vault, ensuring only the rightful holder can read contents
- Compliance-ready architecture aligned with DORA, BCBS 239, GDPR, and FIPS regulatory frameworks
- Digital Deposit Box available as an operated product or licensed white-label for banks closing physical safe-deposit box services