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Primitive

Category: AI Agents

AI agent operating system purpose-built for regulated financial institutions, enabling banks to create, deploy, and govern AI agents at production scale. Primitive was founded in 2025. The company is led by Derek White. Based in Salt Lake City, Utah, United States. Team size: 11-50. Latest round: Seed. Key investors include Fin Capital, Pelion Venture Partners.

Founded
2025
Headquarters
Salt Lake City, Utah, United States
Team size
11-50

Value proposition

End-to-end AI agent operating system that enables regulated financial institutions to move beyond fragmented AI pilots into governed, production-scale deployment with control, third-party integration, and measurable ROI.

Products and solutions

Primitive platform comprises three components: (1) The Engine Room — connects AI agents directly to enterprise systems without replacing them, (2) The Assembler — builds from use case to production-ready agent in 90 days, (3) The Control Tower — governance through logging, tracing, compliance validation, and performance measurement. Pre-built agent templates for commercial lending, human-in-the-loop operations, risk and compliance, deep research, and regulatory oversight. Introduces Agent Capital and Return on Agent Capital (ROAC) framework.

Unique value

First AI agent operating system purpose-built for regulated financial institutions with governance-by-design architecture, introducing Agent Capital and ROAC as frameworks for quantifying AI's value in banking operations.

Target customer

Regulated financial institutions (banks, credit unions)

Industries served

Financial Services, Banking, Credit Unions

Technology advantage

Governance-by-design architecture with logging, tracing, and independent validation of every agent action; ability to integrate third-party AI agents alongside proprietary ones; 90-day production deployment via The Assembler; deep domain expertise from CEO who led Galileo and Google Cloud Financial Services.

How they differentiate

Governance is built into the system architecture from day one (not added later), purpose-built for regulated financial institutions with compliance guardrails, introduces proprietary Agent Capital/ROAC measurement framework, and offers pre-built agent templates for specific banking use cases (commercial lending, risk/compliance, regulatory oversight).

Main competitors

Fiserv agentOS, Kore.ai, Oracle Financial Services Agentic Platform

Key partnerships

MX Technologies (strategic partnership for AI-native Growth Agents), NVIDIA Inception, Microsoft for Startups, Google for Startups

Major milestones

April 14, 2026 — Official company launch and public debut of the AI Agent Operating System for Financial Services, Strategic partnership announced with MX Technologies (serving 1,700+ financial institutions), Accepted into NVIDIA Inception, Microsoft for Startups, and Google for Startups programs.

Market positioning

Early-stage entrant in the emerging AI agent operating system market for regulated financial institutions, competing against established fintech infrastructure providers (Fiserv, Oracle) and horizontal agentic AI platforms (Kore.ai). Differentiates through governance-first architecture and deep banking domain expertise.

Geographic focus

United States (headquartered in Salt Lake City, Utah)

About Derek White

Ex-CEO of Galileo Financial Technologies (SoFi-owned); VP of Global Financial Services at Google Cloud; Vice Chair & Chief Digital Officer at U.S. Bank; MBA from The Wharton School, University of Pennsylvania. 20+ years in financial services technology.

Official website: