For financial services

Voice AI for financial services

From balance enquiries and payment reminders to fraud alerts and onboarding, power your banking and fintech voice agents with EU-hosted, GDPR-compliant text-to-speech.

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GDPR compliant
Hosted in the EU
On-premise ready
Sub-50 ms latency

Backed by Y Combinator

Why KugelAudio

Built for regulated finance

The voice layer your compliance team will actually approve.

Data that stays in the EU

Customer audio is processed and stored in Europe, outside US jurisdiction — the answer auditors want to hear.

Real-time conversations

~40–50 ms time to first audio keeps account and payment flows feeling human, not robotic.

Speak every customer's language

26 languages from one model — serve cross-border customers without stitching voices together.

Use cases

Voice for every financial moment

What teams build on KugelAudio.

Account & card servicing

Balances, transactions, and card actions handled by voice, day or night.

Payment & fraud alerts

Outbound reminders and real-time fraud notifications in the customer's language.

Onboarding & KYC

Guide new customers through onboarding and verification with a clear, natural voice.

One platform

Everything your voice agents need

One European TTS API for every conversation — natural voices, real-time latency, and the integrations your stack already speaks.

26 languages, native pronunciation

A single multilingual model speaks 26 languages with regional accents — no per-language voice juggling.

~40–50 ms to first audio

Inference TTFA on kugel-3-turbo (~60–80 ms on Classic), measured server-side, so conversations feel instant.

Clone any voice in seconds

Build a custom brand voice from 10–30 seconds of reference audio.

Drops into your stack

Native Pipecat and LiveKit integrations, plus REST and WebSocket streaming.

Data sovereignty

Your data never leaves Europe

Built, trained, and hosted in the EU — outside the reach of the US CLOUD Act and FISA Section 702. The default answer to 'where does our voice data go?' is: Europe.

GDPR compliant

Fully GDPR-compliant processing, by design.

EU servers

Hosted in Germany — Frankfurt, Berlin, Amsterdam, Helsinki.

No US jurisdiction

Outside the US CLOUD Act and FISA 702 (Schrems II).

On-premise option

Run the same SDK fully on your own infrastructure.

Get started

Launch on the web or build with the API

Start on the web

Create an account, pick a voice, and generate your first audio in seconds — no credit card required.

Get started free

Build with the API

Drop KugelAudio into Pipecat, LiveKit, or any pipeline with REST and WebSocket streaming. Three lines to production.

Read the docs

FAQ

Frequently asked questions

Yes. KugelAudio is built, trained, and hosted in the EU and processes data in full compliance with the GDPR. We do not fall under the US CLOUD Act or FISA Section 702.