This paper presents Ryt AI, an LLM-native agentic framework that powers Ryt Bank to enable customers to execute core financial transactions through natural language conversation. This represents the first global regulator-approved deployment worldwide where conversational AI functions as the primary banking interface, in contrast to prior assistants that have been limited to advisory or support roles. Built entirely in-house, Ryt AI is powered by ILMU, a closed-source LLM developed internally, and replaces rigid multi-screen workflows with a single dialogue orchestrated by four LLM-powered agents (Guardrails, Intent, Payment, and FAQ). Each agent attaches a task-specific LoRA adapter to ILMU, which is hosted within the bank’s infrastructure to ensure consistent behavior with minimal overhead. Deterministic guardrails, human-in-the-loop confirmation, and a stateless audit architecture provide defense-in-depth for security and compliance. The result is Banking Done Right: demonstrating that regulator-approved natural-language interfaces can reliably support core financial operations under strict governance.

Capitalise on deep learning models, offering Natural Language Processing (NLP) solutions as a part of the Machine Learning as a Service (MLaaS) has generated handsome revenues. At the same time, it is known that the creation of these lucrative deep models is non-trivial. Therefore, protecting these inventions’ intellectual property rights (IPR) from being abused, stolen and plagiarized is vital. This paper proposes a practical approach for the IPR protection on recurrent neural networks (RNN) without all the bells and whistles of existing IPR solutions. Particularly, we introduce the Gatekeeper concept that resembles the recurrent nature in RNN architecture to embed keys. Also, we design the model training scheme in a way such that the protected RNN model will retain its original performance iff a genuine key is presented. Extensive experiments showed that our protection scheme is robust and effective against ambiguity and removal attacks in both white-box and black-box protection schemes on different RNN variants. Code is available at https://github.com/zhiqin1998/RecurrentIPR.