Mirai ALM & Liquidity

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Mirai ALM & Liquidity is an AI-powered ALM software designed to help financial institutions modernize their balance sheet and risk management in an increasingly complex regulatory environment. It provides risk, treasury, and finance teams with a unified, real-time view of the balance sheet, enabling faster, data-driven decision-making. Mirai delivers integrated ALM capabilities that model interest rate risk (IRRBB), credit spread risk (CSRBB), liquidity, and capital risks through a shared data model, ensuring consistency across metrics and calculations. Users can run advanced simulations, what-if analyses, and stress testing to assess the impact of market changes on key indicators such as NIM, EVE, and liquidity ratios. Mirai ALM & Liquidity allows institutions to manage a wide range of behaviors and associated risks across models for Non-Maturity Deposits (NMDs), prepayments, defaults, elasticities, floors and caps, disbursements, early redemption charges, custom amortization, and securitizations. It also incorporates external and macroeconomic variables such as GDP and unemployment to capture the impact of economic conditions on client behavior. Built on a scalable and flexible architecture, Mirai delivers high performance for large-scale calculations while ensuring full traceability and regulatory compliance. As a next-generation asset liability management product, it enables banks to optimize risk, improve profitability, and gain deeper insights into their financial strategy.

Mirai FTP & Profitability

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Mirai FTP & Profitability is an AI-powered funds transfer pricing (FTP) software designed to help banks understand the true drivers of margin and profitability across products, customers, and business lines. It connects pricing, funding costs, and balance sheet structure into a consistent profitability framework. Mirai breaks down the silos that typically disconnect FTP from the rest of balance sheet management by integrating FTP directly with ALM and liquidity frameworks, ensuring that profitability reflects the real cost of funding and risk-taking at every level of the organization. Mirai FTP & Profitability enables contract-level profitability management, calculating transfer prices at the individual deal level to give institutions a precise view of the contribution of each product, customer segment, and business line. Users can apply multiple FTP spread components, including base curve, liquidity spread, credit spread, and regulatory cost, simulate different FTP methodologies, and analyze how funding strategies impact overall financial performance, all while processing millions of contracts in minutes. Leveraging a flexible, cloud-native architecture and advanced analytics, Mirai ensures scalability, consistency, and full traceability of calculations, delivering the transparent, reliable data institutions need to operate with confidence. It helps banks move from static profitability reporting to a dynamic, decision-oriented approach to financial management and sustainable profitability

Mirai Regulatory Reporting

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Mirai Regulatory Reporting is an AI-powered, comprehensive regulatory reporting software for banks, designed to manage regulatory compliance efficiently and turn reporting into a strategic tool. It transforms regulatory reporting from a manual, fragmented activity into a fully traceable, submission-ready workflow that goes beyond compliance to deliver deeper insight, foresight, and control over the institution's financial and risk position. Mirai Regulatory Reporting shares the same data model and calculation engine as Mirai ALM & Liquidity, Mirai AI, and Mirai FTP & Profitability, ensuring that regulatory outputs are consistent reflections of the same underlying data and assumptions used across the organization, eliminating reconciliation between risk, finance, and regulatory functions. Automated regulatory rules are applied immediately upon data loading, and regulatory templates are generated automatically in the exact format required by supervisors. Built-in validation checks, including cross-report verifications, guarantee consistency across submissions. Full contract-level traceability allows every reported figure to be traced back to its origin, ensuring audit readiness across key regulatory metrics and ratios such as IRRBB, LCR, NSFR, and CSRBB, reporting templates such as ITS and FR 2052a, and broader frameworks including Basel III/IV, covering both EU and US regulatory requirements. This has been validated through on-site inspections and regulatory audits with Tier I institutions. Beyond day-to-day reporting, Mirai Regulatory Reporting enables a forward-looking approach to compliance. Institutions can forecast key regulatory ratios at future reference dates, run stress scenarios on regulatory outputs, and apply balance sheet optimization strategies directly within the regulatory environment to assess their impact on key balance sheet metrics and regulatory ratios such as NIM, MVE, LCR, NSFR, and CSRBB. Its cloud-native architecture scales with growing data volumes and evolving regulatory requirements.

Mirai AI

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Mirai AI is a banking AI product designed to enhance how financial institutions model risk, forecast balance sheet dynamics, and make strategic decisions. Rather than acting as a standalone tool, it is deeply embedded within Mirai's risk modeling and ALM software ecosystem. It follows an explainable-first approach that delivers trusted and transparent intelligence, allowing teams to understand, trust, and act on model outputs without sacrificing governance, auditability, or control. Mirai AI comprises two distinct capabilities. Mirai AI Modeling is a next-generation analytical environment that empowers banks to expand analytical dimensions and operationalize advanced behavioral models, including Neural Networks, Gradient Boosted Trees, and Random Forests, built on deep, transaction-level historical data and continuous self-calibration. It enables more accurate modeling of key balance sheet drivers such as prepayments, non-maturing deposits (NMDs), and customer response to interest rate changes, and supports intelligent automation of manual processes such as Core and Non-Core deposit classification. Mirai AI also includes the Mirai AI Agent, an AI-powered expert companion designed to support day-to-day treasury and ALM operations. Teams can query data, explain metric variations, and generate executive-level insights using natural language, reducing manual analytical effort and accelerating time to insight. The Agent also shortens platform onboarding by answering questions about configurations, parameters, and use cases in real time. Beyond the Agent, the Mirai MCP Server allows institutions to connect their own LLM and enrich it with Mirai's deep domain expertise in ALM, liquidity, regulatory, and financial intelligence, creating a unified, context-aware intelligence layer tailored to their data, processes, and decision-making needs. Delivered within a scalable cloud architecture, Mirai AI integrates seamlessly with existing workflows across risk, treasury, and finance teams. It transforms advanced analytics into practical decision-making tools, helping institutions unlock the full value of their data while strengthening their financial risk management capabilities.