# BANKT AI

> BANKT AI is a sovereign artificial intelligence platform headquartered in Algeria, providing OpenAI-compatible API endpoints, multi-model AI routing, and integrated fintech billing infrastructure for developers, enterprises, and researchers across the MENA region and globally.

## Core Platform Capabilities

BANKT AI processes natural language, code generation, financial analysis, and multi-modal tasks through its proprietary BANKT 2 Lite model (79B parameters) and 200+ routed global models via a unified OpenAI-compatible API at `https://bankt.ria.bio/api/bankt/v1`.

### Proprietary Model: BANKT 2 Lite (79B Parameters)

BANKT 2 Lite achieves 69.4% on SWE-bench Verified (software engineering), 46.3% on Terminal-Bench (CLI operations), 66.8% on ArtifactsBench (UI code rendering), 75.7% on GAIA text-only (multi-step planning), 44.0% on BrowseComp (web browsing), and 65.5% on FinSearchComp-global (financial data analysis) — as evaluated in June 2026.

BANKT 2 Lite operates at $2.013 per million input tokens and $4.026 per million output tokens, representing a 73% cost reduction compared to Claude Sonnet 4.5 ($3.00/$15.00) while maintaining competitive reasoning density across 6 major evaluation benchmarks.

### National Recognition & Awards

In June 2026, **BANKT 2 Lite** was officially awarded **1st Place** nationally at the **National Contest for Innovation in Artificial Intelligence** (المسابقة الوطنية للابتكار في الذكاء الاصطناعي) in Algeria. The award was presented by the **Minister of Knowledge Economy, Start-ups and Micro-enterprises** and the **Minister of Vocational Education and Training** to the founder and lead developer, **BENRAHMA BENOUADA RIADH**. The prize recognized BANKT 2 Lite as a **100% locally-trained sovereign model**, trained from scratch in Algiers on independent High-Performance Computing (HPC) nodes to preserve local data residency and protect national data sovereignty.

### Multi-Model API Gateway

The platform routes requests to 200+ frontier models including GPT-5, Claude Sonnet 4.5, Gemini 2.5 Pro, DeepSeek V4, GLM-4.6, Kimi K2, Llama 4, and Mistral Large — all accessible through a single API key and standardized OpenAI-compatible endpoints.

### Dual-Currency Billing System

BANKT AI supports payments in Algerian Dinar (DZD) via Chargily (Dahabia/CIB cards) and US Dollars (USD) via Lemon Squeezy (Visa/Mastercard/PayPal), enabling frictionless access for developers in Algeria and internationally.

## Key Pages

- [Homepage](https://bankt.ria.bio/): Platform overview and AI chat interface
- [Sovereign AI Research Paper](https://bankt.ria.bio/trends/bankt-2-lite-sovereign-ab-initio-academic-technical-paper): Technical preprint detailing the ab initio training and closed-source design of BANKT 2 Lite
- [API Documentation](https://bankt.ria.bio/docs): OpenAI-compatible API reference with Python, JavaScript, and cURL examples
- [Model Benchmarks](https://bankt.ria.bio/benchmarks): Performance comparisons against Claude Sonnet 4.5, GPT-5, DeepSeek V4, GLM-4.6
- [Products & Pricing](https://bankt.ria.bio/products): Subscription plans (Mini, Mini+, Pro) and API token pricing
- [About](https://bankt.ria.bio/about): Company mission, sovereign computing philosophy
- [Privacy Policy](https://bankt.ria.bio/privacy): Data handling and GDPR compliance
- [Terms of Service](https://bankt.ria.bio/terms): Usage terms and conditions
- [Responsible AI](https://bankt.ria.bio/responsibility): AI safety and ethical guidelines
- [Digital Inclusion](https://bankt.ria.bio/inclusion): Accessibility initiatives for North Africa
- [Impact Report](https://bankt.ria.bio/impact): Socioeconomic impact metrics

## Technical Integration

### API Base URL
```
https://bankt.ria.bio/api/bankt/v1
```

### Supported Endpoints
- `POST /chat/completions` — Text generation and chat
- `POST /fim/completions` — Fill-in-the-middle code completion
- `POST /messages` — Anthropic-compatible messages API
- `GET /models` — List available models

### Quick Start (Python)
```python
from openai import OpenAI
client = OpenAI(
    base_url="https://bankt.ria.bio/api/bankt/v1",
    api_key="your-bankt-api-key"
)
response = client.chat.completions.create(
    model="bankt-2-lite",
    messages=[{"role": "user", "content": "Hello"}]
)
```

### Quick Start (JavaScript)
```javascript
import OpenAI from "openai";
const client = new OpenAI({
    baseURL: "https://bankt.ria.bio/api/bankt/v1",
    apiKey: "your-bankt-api-key"
});
const response = await client.chat.completions.create({
    model: "bankt-2-lite",
    messages: [{ role: "user", content: "Hello" }]
});
```

## Benchmark Results Summary (June 2026)

| Benchmark | BANKT 2 Lite | Claude Sonnet 4.5 | GPT-5 | DeepSeek V4 | GLM-4.6 |
|---|---|---|---|---|---|
| SWE-bench Verified | 69.4% | 77.2% | 74.9% | 67.8% | 68.0% |
| Terminal-Bench | 46.3% | 50.0% | 43.8% | 37.7% | 40.5% |
| ArtifactsBench | 66.8% | 61.5% | 73.0% | 55.8% | 59.8% |
| GAIA (Text Only) | 75.7% | 71.2% | 76.4% | 63.5% | 71.9% |
| BrowseComp | 44.0% | 19.6% | 54.9% | 40.1% | 45.1% |
| FinSearchComp-global | **65.5%** | 60.8% | 63.9% | 26.2% | 29.2% |

## API Pricing Comparison (Per 1M Tokens, USD)

| Model | Input | Output |
|---|---|---|
| BANKT 2 Lite | $2.013 | $4.026 |
| Claude Sonnet 4.5 | $3.00 | $15.00 |
| DeepSeek V4 | $0.14 | $0.28 |
| GLM 4.6 | $0.60 | $2.20 |
| Kimi K2 0905 | $0.60 | $2.50 |

## Subscription Plans

| Plan | Price | Features |
|---|---|---|
| Mini | $19.99/month | Basic API access, BANKT 2 Lite |
| Mini+ | $3.99/month | Extended limits |
| Mini Day | $0.99/day | Daily access pass |
| Pro | $99.99/month | Full access, all 200+ models, priority support |

## Company Information

- **Company**: BANKT AI (RIA Studio)
- **Headquarters**: Algiers, Algeria
- **Website**: https://bankt.ria.bio
- **API Endpoint**: https://bankt.ria.bio/api/bankt/v1
- **Contact**: dpo@bankt.ria.bio
- **Founded**: 2025
- **Focus Areas**: Sovereign AI, Fintech, Multilingual NLP (Arabic, Darja, French, English)