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Porters

Also known as: Porters AI, withporters, Porters Group AG

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AI native outsourcing of regulated banking back office processes, shipping three complete agentic workflows for account seizures, insolvency and chargebacks that triage inboxes, decide cases against the bank's risk rules with a human step before action, trigger banking actions and track everything in a case ledger, EU or Switzerland hosted with ISO 27001 stated.

Porters is a Zurich based company offering AI native outsourcing of regulated banking back office processes to European banks and fintechs. It ships three complete agentic processes a customer engages for: account seizure processing, covering private and public seizures end to end; insolvency management across the lifecycle from reception through coordination to resolution; and chargeback resolution from data collection through triage of dispute claims to resolution, with further processes built on request.

The seizure workflow runs as a staged pipeline: incoming inboxes are triaged and documents classified into case types such as seizure, restriction or request for information, key data is extracted and files stored securely, cases are created, processed and tracked through their lifecycle in a case ledger, fine tuned automated decisions are applied against the bank's internal risk rules and regulatory requirements, a human in the loop stage sits before any action, and the pipeline then triggers banking actions such as account blockage and payments, generates reporting such as third party declarations, exposes case information to end users and sends follow up requests to third parties automatically.

The agents process cases around the clock, the system learns from past cases to improve decisioning, and the processes are built for Pan European regulatory coverage with a standing audit trail. Hosting is in the EU or Switzerland, GDPR compliant, with customer data never used to train models, ISO 27001 certification and independent penetration testing stated on the vendor's security page alongside a Vanta trust center.

Porters Group AG was founded in 2025 by Konstantin Kotulla, Christopher Barth and Michael John, whose backgrounds span Upvest, Qonto, Solaris, McKinsey and ETH Zurich, and raised a €2.7 million pre seed led by Earlybird with Seedcamp and fintech angels. It sells by demo with no published pricing, and publishes no API, model choice or customer facing workflow tooling.

Vendor details

Canonical URL

https://www.withporters.com

Category

Enterprise operations agent

Subcategory

AI native regulated banking back office automation

Funding status

Independent, a Switzerland based startup founded in 2025 by Konstantin Kotulla, Christopher Barth, and Michael John. Raised two point seven million euros in pre seed funding led by Earlybird with participation from Seedcamp and angel investors including Martin Kassing, Alexandre Prot, Lukas Zorner, Adrien Treccani, Casper Wahler, and Jonathan Brander. The idea came from the founders' experience inside leading fintechs, where back office work was still driven by spreadsheets, email, and slow approval chains.

Company status

independent

Use cases & customers

Primary use cases

Agentic account seizure and restriction handlingChargeback processingInsolvency coordinationRegulated banking back office automation with human oversight

Target customers

European banksFintechs and neobanksBanking operations and compliance teamsBack office and case handling leaders

Deployment options

Cloud

Integrations

Triggers banking actions such as account blockage and payments and generates reporting like third party declarations, sends follow up requests to third parties on auto pilot, and exposes relevant information directly to end users and self service and customer service agents. No integration catalog, core banking connector or API is published, so how actions reach a bank's systems is not described.

In practice

A seizure order lands in a shared inbox. Porters triages and classifies it, extracts the key data, stores the files securely, and opens a case in the ledger without a person sorting the email.

A classified case runs through automated decisioning against internal risk rules and regulatory requirements, pauses for a human to approve the sensitive call, then triggers the account blockage and generates the third party declaration.

A backlog of seizures builds up faster than the team can process it. Porters agents work cases around the clock, so staff handle exceptions rather than repetitive processing.

Agentic Index coverage score

5.5 / 14 capabilities · 39%

Integrations & Tool Calling Partial

The pipeline's output stage acts on what it reads, triggering banking actions such as account blockage and payments, generating reporting such as third party declarations, sending follow up requests to third parties on auto pilot, and exposing case information directly to end users. No core banking system, connector, API or integration mechanism is named on the site, there is no documentation, and how an account blockage instruction reaches the bank's systems is not described.

SourcePorters, withporters.comread 2026-09-07

Workflow Orchestration Partial

The homepage documents a fixed seven stage pipeline for seizure handling, input, extraction and classification, decisioning, human in the loop, action, result and output, with cases created, processed and tracked through their lifecycle in a case ledger.

That is a multi step pipeline the vendor runs on each case, its own term for the offering being agentic process outsourcing.

It is not orchestration the customer composes; no workflow builder, customer facing runtime, parallel workflow control plane or configuration surface is documented, and a process not in the catalog is added by contacting the vendor.

SourcePorters, withporters.comread 2026-09-07

Knowledge Grounding & RAG Partial

Decisioning applies fine tuned automated decisions based on internal risk rules and regulatory requirements, and the processes are built for Pan European regulatory coverage, so the customer's rules and the regulatory frame ground each decision. Fine tuned points at model adaptation and rules applied per case, and no maintained retrieval structure over a corpus, no index, embeddings or queryable store is documented.

SourcePorters, withporters.comread 2026-09-07

Human Oversight & Guardrails Partial

Human in the loop is a named stage of the pipeline sitting between decisioning and action, before banking actions such as account blockage or payments are triggered, and the comparison table states automation manages routine work with humans stepping in only when necessary, which is exception routing. It is not documented whose humans step in or on what surface.

The vendor positions the offering as agentic process outsourcing pairing AI with the accuracy of its own Banking Ops experts, no customer facing review queue, approval surface or configuration of what routes to a human is documented, and vendor staff in the loop are not an oversight mechanism the customer operates.

SourcePorters, withporters.comread 2026-09-07

Security, Identity & Governance Partial

ISO 27001 is stated in the vendor's own name; access controls are not documented. The homepage security section states ISO 27001 certified, independently pen tested, with a GDPR compliance badge, bank grade infrastructure encrypted and monitored at every layer, and customer data never used to train models, linking a Vanta trust center. No single sign-on, SAML, role-based access control, SCIM or retention configuration is named; the Vanta trust center sits at app.eu.vanta.com.

SourcePorters, withporters.com, trust center robots refusedread 2026-09-07

Observability & Auditability Partial

Cases are created, processed and tracked through their lifecycle in a case ledger, the platform generates reporting such as third party declarations, and the regulatory alignment strip names a 24/7 audit trail as a standing property. That records what happened to each case and asserts an audit record exists. No reconstruction of the agent's own run is documented, which rules fired in decisioning, why a case routed to a human or what the model saw, and the audit trail claim is a three word label with no surface, export or retention described.

SourcePorters, withporters.comread 2026-09-07

Memory & State Persistence Not documented

Continuous learning and the case ledger are not agent memory. Continuously learning from past cases to improve decisioning and actions is absorbed learning, and the case ledger is the application's own case record, the system of record for the work itself. No memory store per customer, per workflow or per agent is documented, and nothing states where learned state lives or how a bank removes it.

SourcePorters, withporters.comread 2026-09-07

Deployment & Data Residency Full

The vendor's security section names its hosting as EU- or Switzerland-hosted, GDPR compliant, stated as the data privacy default alongside customer data never being used to train models. No region selection or deployment documentation is published, the statement is one line on a marketing page, and which of the two jurisdictions holds a given customer's data is not stated.

SourcePorters, withporters.comread 2026-09-07

Prebuilt Agents, Templates & Packs Full

The homepage describes three complete agentic processes a buyer selects among: account seizure processing end to end covering private and public seizures, insolvency management across the full lifecycle from reception over coordination to resolution, and chargeback resolution covering data collection, triaging of dispute claims and resolution. Each runs on its own, and processes not listed are built on request as custom work. All three are presented as shipped offerings. The delivery model is an outsourcing engagement rather than self serve adoption.

SourcePorters, withporters.comread 2026-09-07

Triggers & Channel Coverage Partial

Work arrives by inbox triage, with incoming documents classified into case types such as seizure, restriction or request for information, and the agents process seizures 24/7 and instantly, which describes pace and availability rather than another way work starts. Follow up requests sent to third parties on auto pilot are outbound steps inside a run. No schedule, connected system event, webhook or channel beyond document intake is documented.

SourcePorters, withporters.comread 2026-09-07

Model Flexibility & Routing Not documented

No model provider is named and no customer or admin choice of model or routing is documented; the security section's statement that customer data is never used to train models is a data use commitment, not a disclosure of whose models run, and fine tuned automated decisions describes the vendor adapting its own stack.

SourcePorters, withporters.comread 2026-09-07

APIs, SDKs & MCP Extensibility Not documented

No API, SDK or MCP server for calling the platform from outside is documented. The site has no developer section or documentation site, and the one outward facing behavior named, exposing case information directly to end users, is an end user surface rather than an interface for driving Porters.

SourcePorters, withporters.comread 2026-09-07

Testing, Debugging & Optimization Not documented

No evaluation surface is documented. Built in accuracy, validation of consistent business logic occurring instantly within the workflow, gates each output as it is produced, which is a per-output check rather than a test of a change. Continuously learning from past cases to improve decisioning is an improvement claim with no harness, test set, scored result or controlled loop documented behind it. No readable result or release gate is published.

SourcePorters, withporters.comread 2026-09-07

Browser & Computer Use Not documented

The agents work on documents that arrive in inboxes and act through banking instructions and generated reports; handling unstructured documents with ease is ingestion, and no browser, desktop or computer control operated by the agent is documented.

SourcePorters, withporters.comread 2026-09-07

The Agentic Index coverage score grades every vendor Full, Partial or Not documented against the same 14 buyer facing capabilities, from public evidence only. Each capability links to how all vendors in the index score on it. How this evidence is graded

Pricing

Contact for pricing

not disclosed

What is public

Nothing numeric. The product workflows, target market, and funding are public, but no rates are published.

Billing mechanics

Enterprise sales led motion to banks and fintechs; no billing unit, tier or rate is published. Founded in 2025 with a €2.7 million pre seed, the company is moving from early deployments toward broader execution across Europe.

Cost watchouts

As an early stage vendor with a narrow initial workflow, expect scoped pilots that expand to adjacent processes, with pricing tied to case volume once proven.

Variable cost rationale

No public rates exist. A case handling product would plausibly carry a per case or volume dimension as it scales, but the company publishes no mechanics and is early stage, so treat exposure as unquantified and quoted per deal.

Additional watchouts

This is a very young company; pricing and packaging will likely evolve, and buyers should confirm terms and pilot scope directly.

Sales call required

Yes, required for paid access

Free / trial

No free tier or trial is documented on retrieved pages

Key ambiguities

Whether pricing is per case, per workflow, per seat, or a platform fee, none of which is published.

Missing data

No rates, tiers, minimums or contract terms are published.

Agentic Index verified 2026-09-07

Alternatives to Porters

The closest documented capability profiles to Porters among enterprise operations agents tracked by Agentic Index, ordered by similarity on the same 14 point evidence the rankings use. No vendor pays for placement.

  • Friendly5.0 / 14Fuller documented coverage on Knowledge Grounding & RAG
  • Kenmei7.0 / 14Fuller documented coverage on Workflow Orchestration and Knowledge Grounding & RAG
  • Paraform4.0 / 14A lighter documented profile than Porters
  • ChipAgents4.5 / 14Adds documented APIs, SDKs & MCP Extensibility
  • effie.ai4.5 / 14Fuller documented coverage on Knowledge Grounding & RAG
  • Firmbase5.5 / 14Fuller documented coverage on Workflow Orchestration and Knowledge Grounding & RAG

Similarity is computed from each vendor's Agentic Index coverage score evidence, axis by axis, not from the totals. How this evidence is graded

Head to head

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