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Decagonvs Callvu

Decagon builds AI agents that resolve customer service conversations across chat, voice and email, following natural-language procedures backed by code, and taking actions such as payments and payment plans. Callvu is the Completion and Compliance Layer: when a conversation becomes a regulated process, Callvu runs it end to end through the back office to the system of record with a deterministic orchestrator, enforcing every regulation on every step. A Decagon agent can be one of the doors where a Callvu process starts.

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At a glance

Runtime compliance enforcement

DecagonPartial.

CallvuYes.

Front-to-back-office handoff

DecagonPartial.

CallvuYes, end to end: prefill from the core, classify the work, chase and verify documents, route decisions to the Decision Desk and write back to the system of record.

The fair version

What Decagon is built for.Sourced from their own pages.

Decagon builds AI agents for customer service across chat, voice and email ^[1] and raised a Series D in January 2026 ^[4]. Agents follow Agent Operating Procedures: workflows written in natural language and backed by code, with tools for API calls and data lookups ^[2], which Decagon says ensure critical actions are executed correctly ^[10]. Its voice agents handle many languages and transfer to a human with a summary ^[6]. Testing covers simulations and auto-generated tests ^[5], Watchtower reviews every conversation against custom criteria ^[9], and Trace View shows each turn's decisions step by step ^[11]. Agents take payments and set up payment plans, and Decagon says FDCPA, TCPA, UDAAP and Reg F are enforced natively, with contact caps, calling hours and suppression rules ^[12]. For financial services it lists read-and-write connections to FIS, Fiserv and Jack Henry cores and to nCino, and describes agents that verify identity against the core, resolve disputes and collect documents during account opening ^[13]. Browser Actions, launched in August 2026, lets agents work in web-based systems that have no API, logging every step ^[14]. Customers include Chime ^[8], Cash App and Varo ^[13] and mortgage servicer Valon ^[7]. Decagon lists security certifications on its security page ^[3].

When to choose which

Two different jobs.Pick the one you need.

When to choose Decagon

Choose Decagon when the goal is resolving a high volume of customer service conversations autonomously across chat, voice and email ^[1]^[6], with procedures your team writes in natural language and engineers back with code ^[2], and with testing and conversation review built in ^[5]^[9]. It fits consumer fintechs and servicers handling routine requests at scale, such as Chime and Valon ^[7]^[8].

When to choose Callvu

Choose Callvu when a conversation becomes a regulated process that must reach the back office and the system of record. Callvu orchestrates the work, routes it by work type, skill and due date, applies rules and policies and manages every decision, and it runs the handoff in the same process with five moves: it prefills from what the core already knows, classifies each request the moment it lands, chases and verifies documents from customers and outside parties on a clock, routes decisions to the Decision Desk, and writes the result back by API.

Guardrails are not runtime enforcement. Decagon's agents take payments and set up payment plans ^[12], following natural-language procedures backed by code ^[2], with guardrails and a supervisor model checking their output ^[3]. Code-backed steps make individual actions reliable, but the AI still interprets the procedure and adapts each step as it goes ^[10]. Even with guardrails, an AI that runs the process can write wrong data to the system of record, take a path that is not in the workflow, or act compliantly most of the time rather than every time. Callvu does not let AI run the process. A deterministic orchestrator decides every next step and enforces every control before the step runs; AI, yours or Callvu's, only starts a process or evaluates it. Every run is recorded in a Decision Trace and an Audit Trace.

Side by side

The verifiable facts.Nothing else.

Every cell about Decagon is sourced from its own public pages. Runtime enforcement and the handoff lead the table because they are where the two differ most.

Capability		Decagon
Primary role	Completion and Compliance Layer between every front door and the system of record	AI agents for customer service conversations across chat, voice and email ^[1]
Runtime compliance enforcement	Yes. A deterministic orchestrator runs every step and decides the path; AI never runs the process. Every regulation and company policy is enforced on every step while the work runs, whether a person or an AI started it; a step that fails a control does not run. A Decision Trace and an Audit Trace for every run	Partial. Code backs critical steps inside natural-language procedures, and Decagon says FDCPA, TCPA, UDAAP and Reg F are enforced natively for collections; the AI agent interprets the procedure and adapts each step within branches your team defines, with guardrails and a supervisor model checking its output ^[12]
Front-to-back-office handoff	Yes, end to end: prefill from the core, classify the work, chase and verify documents, route decisions to the Decision Desk and write back to the system of record. Back-office planning starts the moment the front end starts	Partial. Agents read and write to connected systems, including FIS, Fiserv and Jack Henry cores, collect documents during account opening, act in web-based systems through Browser Actions and transfer to a human with a summary. Document verification on a clock, a decision workspace for reviewers and enforcement of every rule on every step are not documented ^[13]
AI guardrails vs deterministic execution	Deterministic execution, not guardrails: AI never runs the process. A deterministic orchestrator executes every step and enforces every control before it runs, so nothing unchecked reaches the system of record and no step outside the workflow can happen	AI agents take payments and set up payment plans, within AOPs, guardrails and a supervisor model ^[12]
Quality and evidence	Every action assessed before it runs by six evaluator agents, whether a person or an AI started it, with an immutable Decision Trace and Audit Trace pushed in real time to GRC and BI tools	Pre-launch simulations and tests, Watchtower review of every conversation, and Trace View of each turn's decisions ^[9]
Regulatory content	Callvu Studio comes with most regulations already loaded as policies for every vertical it serves; your SOPs are enforced the same way	For collections, Decagon says FDCPA, TCPA, UDAAP and Reg F are enforced natively, with contact caps such as Reg F's 7-in-7 limit, local calling hours and suppression rules ^[12]
Integrations	Fiserv, FIS, Jack Henry, CSI, Corelation (KeyStone), Finastra, nCino, MeridianLink, insurance cores, telco BSS, Genesys and NICE CXone; more added per customer	Read-and-write connections to FIS, Fiserv and Jack Henry cores, nCino, CRMs, CCaaS platforms, identity and payments providers, plus Browser Actions for web-based systems without an API ^[13]

Using both together

Keep what works.Add the layer that finishes it.

Decagon stays the conversation layer. When a support conversation turns into a regulated request, the Decagon agent starts a Callvu process, in the backend over MCP or by handing the customer a prefilled, process-controlled screen for consent and signature. Callvu runs the back-office work and the write back to the system of record. Callvu can also run the whole process on its own, from any door.

Proof

Live in production.At regulated enterprises.

Banca Transilvania

73% of inbound call traffic migrated to digital self-service
3M+ support calls moved to digital self-service
100+ workflows automated
Loan decisions 4 days faster

Callvu helped us migrate 73% of our inbound call traffic to digital self-service. They transformed our customer experience in ways we didn't think were possible. That's no easy task when you're dealing with everything that arises in consumer banking.Anca Radu, Digital Project Manager, Banca Transilvania

AT&T

55,000 agents
Close to 100 processes on Callvu
Payment abandonment from 40% to 8%
Handle time down 23%
12 workflows in 6 weeks

Callvu helps us transform how we connect with customers across critical touchpoints. We quickly deployed digital experiences that reduce service volume, improve customer satisfaction and automate low value service tasks. We were able to implement meaningful changes with minimal IT strain or compliance headaches.David C. Williams, AVP Automation, AT&T

Phoenix Insurance

100+ processes live in under 3 months
All core systems integrated in 4 weeks
40% fewer agent-led calls
90%+ completion without human help
$3.5M+ annual service savings

FAQ

The questions buyers ask.Answered plainly.

Does Decagon enforce compliance at runtime?

Decagon backs critical steps in its procedures with code, describes collections rules as enforced natively, and checks agent output with guardrails and a supervisor model. The AI agent still interprets the natural-language procedure and adapts each step within the branches your team defines. In Callvu, a deterministic orchestrator decides the path and runs every step, AI never runs the process, and every regulation and company policy is enforced on every step before it executes.

Can a Decagon agent start a Callvu process?

Yes. When a support conversation turns into a regulated request such as a payment arrangement, consent, claim or account change, the Decagon agent can start a Callvu process that runs it through the back office to the system of record, with every step enforced.

Are code-backed AI agent procedures the same as deterministic execution?

Not quite. Code-backed steps make individual actions reliable, but when an AI agent interprets the procedure and adapts each step, it can still skip a step, take a path that is not in the workflow, or write data the process did not intend. Callvu keeps the path itself deterministic: the orchestrator decides every next step and enforces every control before it runs.

What are alternatives to Decagon for a bank or credit union?

Decagon's named financial services customers are fintechs and digital banks such as Chime, Cash App and Varo, plus mortgage servicer Valon; it lists core banking connections to FIS, Fiserv and Jack Henry. Banks and credit unions that need regulated requests completed in the core, the loan system or with outside parties use Callvu behind their AI agent, or Callvu AI chat, to run the process deterministically end to end.

How fast can Callvu go live behind an AI agent?

Callvu builds the process for you and launches in a few weeks, with white-glove implementation included in the license. A proof of value runs on one of your own processes first.

Sources

Every claim,sourced.

Last verified: 2026-11-05. Facts about other vendors come from their public pages, filings and press, as of that date. Vendor names are trademarks of their owners. To report an error, contact Callvu.

See it on your process.

Bring one regulated process. We will show you the handoff and runtime enforcement on it.

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