Banks buy journeys, not a model brand. Cost-to-serve and India residency gate vendors. Point production traffic at this box via the gateway — OpenRouter or BYOK in Settings. No keys means bake-offs fail instead of faking scores.
No provider keys. Add an OpenRouter key in Settings (covers Claude / GPT / Gemini) or BYOK. Experiments and /v1 will error until you do.
Priority cost centre. Scan-and-save and KYC already cut effort; CRO/CISO gate production. Measure cost-to-onboard, not model brand.
Every new-to-bank file · Axis / HDFC
60–65% of contact-centre load is the economic prize. +1s latency kills voice. Cost/quality must hold on Hindi + English.
High daily volume · cannot recoup via fees (RBI)
Policy replies and escalation, not straight-through money movement. Redemptions and waivers stay with a human.
RM desktop · HNI book at risk if the RM leaves
Axis-scale (~50M customers, ~150k/day flows) stays off-LLM until a bake-off shows ~50% cost at ≤5% quality drop. RBI bars charging the customer to recoup tokens.
Highest volume · gated until economics work
Stay off-LLM until a bake-off shows ~50% cost at ≤5% quality drop.
No bake-offs yet. Each playground is one bank use case. Run after you add keys.