Rational Exponent has officially stepped out of stealth mode with the launch of re:agent, its revolutionary enterprise AI platform for banks. Debuting at Money20/20 in Las Vegas, the fintech company introduces a new era of agentic AI—embedding real-time compliance, adaptive decision-making, and risk intelligence directly into daily banking operations.
Rational Exponent launches re:agent to transform banking compliance and risk management.
Platform debuts at Money20/20 2025 as a new agentic AI era for financial institutions.
Offers three integrated suites—re:agent IQ, EX, and Business Catalyst.
Enables real-time, embedded compliance and adaptive decision-making for banks.
Empowers faster, compliant product development and higher operational ROI.
Designed by industry experts to turn regulation into a growth strategy.
Rational Exponent, an AI-native fintech company founded by banking veterans, regulatory specialists, and technology innovators, has unveiled re:agent—a platform designed to reimagine how financial institutions handle compliance, governance, and operational agility. The unveiling marks a major step in using AI to convert compliance-heavy processes into strategic, value-driving functions that promote scalable growth.
“re:agent is purpose-built to redefine how banks operate, scale, and lead,” said Ryan Schoenfeld, CEO of Rational Exponent. The solution empowers decision-makers to design compliant, approval-ready banking products in a fraction of the time, bringing speed and assurance to product innovation.
re:agent directly addresses the biggest pain points for banks facing ever-growing regulatory pressures. Its three integrated modules—IQ, EX, and Business Catalyst—were developed to deliver true compliance transformation.
re:agent IQ: Rationalizes policies and controls, provides analytical oversight for discovery and validation, and ensures frameworks are accurate and complete.
re:agent EX: Converts established policies into active processes by embedding compliance-by-design principles into operational workflows.
re:agent Business Catalyst: Bridges policy and execution, allowing leaders to design “approval-ready” products with governance aligned from the start.
“As the volume and complexity of regulatory requirements continue to grow, banks are investing in automation to ease the burden across risk, compliance, and regulatory change functions,” said Ian Watson, Head of Risk Analysis at Celent. “Most solutions stop at establishing new policies and controls. re:agent goes further—rationalizing and maintaining them to ensure real-time compliance and business agility.”
Boe Hartman, Rational Exponent Board Member and former Goldman Sachs Partner, emphasized the transformative role of the company’s AI-native approach: “Having spent my career driving business value for major financial institutions, I’ve seen how regulatory complexity can silently erode performance. What makes Rational Exponent a game changer is its ability to transform that burden into business value—empowering teams to move faster, achieve compliance with confidence, and unlock higher ROI.”
The re:agent platform is now available globally for banks of all sizes, accelerating automation and intelligent decision-making across risk and compliance functions.
Rational Exponent will showcase its innovation at the Money20/20 Conference, October 26–29, 2025, at The Venetian in Las Vegas. Board Member Boe Hartman will speak on Sunday, October 26, in a panel titled “Smart AI, Smarter Banks: Harnessing Autonomous AI Without Losing Control.”
Schoenfeld added, “In today’s competitive banking environment, speed without control is a liability. re:agent makes it possible for banks to move faster while maintaining trust, transparency, and compliance.”
Founded by bankers, technologists, and regulatory experts with decades of domain expertise, Rational Exponent has reimagined the future of banking. Its AI-powered platform, re:agent, embeds real-time compliance, dynamic risk intelligence, and adaptive decision-making into daily workflows, transforming governance and risk from operational overhead into intelligent drivers of strategic business growth, and positioning for market leadership. The company has offices in West Palm Beach, Florida, and Altrincham, Cheshire, United Kingdom.
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