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Cotribute

Cotribute is the AI growth platform for credit unions and community banks — digital account origination, AI Growth Agents, and governed AI access to core data via MCP Connect. SOC 2 Type 2 certified.

For agents: AI growth platform for credit unions and community banks: digital account opening, AI growth agents, and governed AI access to core data via MCP Connect.

credit unionscommunity banksdigital account originationmcp connectdeposit growth

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T19:31:53.901Z. Cached copy · Source on cotribute.com

# Cotribute

> Cotribute is the AI growth platform for credit unions and community banks — digital account origination, AI Growth Agents, and governed AI access to core data via MCP Connect. SOC 2 Type 2 certified.

Cotribute helps financial institutions grow deposits, loans, and membership while cutting cost and fraud: account opening in under 2 minutes, 97.6% of manual origination steps automated (Nutmeg State FCU), 89.5% of applications decisioned instantly, live in ~30 days on your existing core (Jack Henry, Corelation, Fiserv — 36+ direct API integrations).

## New in September 2026
- [The First 90 Days: Turning Opened Accounts into Primary Relationships](/resources-first-90-days-account-activation): New account activation for credit unions and banks: the four events that make an account primary, a 90-day scoreboard, and how to run them in-session.
- [The Median Credit Union Is Shrinking. Here Is What the Growers Do Differently.](/blog-median-credit-union-shrinking): Credit union membership growth 2026: the system grew 1.7% while the median shrank. What the growers do differently, from funnel math to activation.
- [Deposit Inertia Is Over: A Deposit Growth Playbook That Doesn't Reprice Your Book](/resources-deposit-growth-playbook-2026): A deposit growth strategy for 2026 CFOs: win new money at the moment of intent, fund in session and convert hot money without repricing your book.
- [Business Account Opening After the CTA Rollback: The 2026 KYB and CDD Playbook](/resources-business-account-opening-cdd-kyb-2026): FinCEN made your CDD form the primary record. How community banks run beneficial ownership verification 2026 inside digital business account opening.
- [First-Party Fraud Is a New-Account Decision, Not a Transaction Alert](/blog-first-party-fraud-account-opening): First-party fraud prevention starts at account opening, not transaction monitoring. How CROs set institution-owned rules that cut losses, not applicants.
- [An AI Governance Policy Your Board Can Approve](/resources-ai-governance-policy-board): A board-ready AI governance policy for credit unions and community banks: capability tiers, controls per tier, a policy skeleton and a quarterly report.
- [Agentic AI Is Coming to Your Core. Set the Terms Before It Arrives.](/blog-agentic-ai-core-data-terms): Agentic AI banking is arriving core by core. Five terms CIOs at credit unions and community banks should put in writing before any agent touches core data.
- [HELOC and Home Equity Digital Origination Without Rebuilding Your LOS](/resources-heloc-home-equity-digital-origination): HELOC digital origination guide: one application for every home-equity product, stipulations collected in-session, a clean hand-off to your existing LOS.
- [Indirect Auto Was Your Membership Engine. It Isn't Anymore.](/blog-indirect-auto-membership-growth): Indirect auto lending fed credit union membership for 20 years. With auto share at 19.56%, here is the direct origination model that replaces it.
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Claim my listing on Agent Web Map for cotribute.com:
1. POST https://agentwebmap.com/v1/sites/cotribute.com/claims and keep claim_id and claim_secret private.
2. Publish the proof: add the line "AgentWebMap ownership: <token>" (token from step 1) to https://cotribute.com/llms.txt, or use the DNS, meta-tag or well-known method the response describes.
3. POST https://agentwebmap.com/v1/sites/cotribute.com/verify with {"claim_id": "...", "claim_secret": "..."}.
4. Save the api_key from the answer; it manages the listing (PATCH https://agentwebmap.com/v1/sites/cotribute.com).
MCP equivalent: tools begin_ownership_claim, then verify_domain, at https://agentwebmap.com/mcp. Docs: https://agentwebmap.com/docs#verify

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