Your customers are about to tell an agent: “Find me a better bank — and switch.”
Switching banks is about to take one sentence to an AI agent — and your highest-value customers leave first, because their agents can prove they deserve the best offer everywhere.
haggl.ai lets you make each one a personalized offer the moment their agent arrives — priced to their proven lifetime value, and proven without ever seeing their raw data. Be ready before the dam breaks.
Free during beta · No core-banking integration · Turn it off anytime
agent presents · zero-knowledge proof
haggl returns · offer you authorized
When switching costs nothing, the math turns on you
Switching friction is the only thing holding your back book in place. It is about to disappear.
Your best customers leave first
Adverse selection in reverse: the high-value customers have the strongest profiles, so their agents win the best offer everywhere. They are gone before you can react — and you keep the accounts you least wanted.
The loyalty tax stops working
Incumbency let you under-price loyalty. When switching is a sentence, every loyal customer re-prices instantly against the whole market. The margin you took for granted evaporates overnight.
Acquisition becomes real-time
New customers will not fill in forms. Their agent arrives, proves their value, and expects an offer in the moment. No offer on the spot, no customer — you are simply not in the running.
“Switching friction was never loyalty. It was a moat. And the moat is about to drain — the only question is which side of it you are standing on.”
The end of the switching cost
How it works
You define who is worth what. The agent proves it. haggl returns the offer you authorized.
Define who is worth what
Set your ideal-customer profiles and the offer each one earns — limit, rate, tier, track — with the depth you authorize tied to predicted lifetime value, not a public rate sheet. You set the maximum you will ever give.
An agent proves the customer’s worth
When a customer’s agent arrives, it submits verifiable proof — income, balances, repayment history, spend, products held elsewhere — without revealing the underlying statements.
haggl returns the offer you authorized
The customer gets the personalized terms and track that match their proven profile. Account opening runs through your existing onboarding — no core-banking integration to begin.
// you stay in control icp: high_ltv_switcher proof_required: [income, repayment_history, balances_elsewhere, spend_tier] authorize: card_limit_max: €30,000 apr_floor: 13.9% track: relationship_manager guardrail: never_below_floor data_retained: none (proofs only)
Prove the value. Keep the data.
A customer’s agent can prove the facts that justify great terms without ever sending you the statements behind them. You underwrite on facts you can trust — and take on none of the liability of holding someone’s financial life.
not the document
GDPR data-minimization by construction. Every disclosure is consented, verifiable, and auditable — and nothing raw ever touches your systems. The privacy story is also your compliance story.
Verified attestations today · zkTLS coming soon
This isn’t a race to the bottom. It’s precision.
Comparison sites commoditize you into a public rate war. haggl does the opposite: authorize real depth for the customers who will stay, grow, and cost little to serve — because you earn it back over a lifetime. The rate-shopper who churns on the next offer proves a thin profile and gets a thin deal.
Retention
Long tenure, product lock-in, multiple holdings — the signals that predict they stay.
Expansion
Rising income, growing balances, cross-sell surface — the signals that predict they grow.
Cost efficiency
Digital-first, auto-pay, clean repayment — the signals that predict low cost to serve.
Network value
High-income, influential, portfolio holders — the signals that predict referrals.
“Actively shopping / about to switch.” Irrelevant — the agent is already at your table.
“Price-sensitive.” A churn signal, not a value signal. Discounting it deeply is a trap.
Every switch is a threat and an opportunity
The same layer defends the book you have and wins the book you don’t.
Be the bank that already has an offer ready
When your own customer’s agent starts shopping, meet it with a retention offer matched to their value and delivered in the moment — before a competitor’s does. Keep your best customers by being ready, not by hoping they don’t look.
Win competitors’ best customers on the spot
When a competitor’s best customer comes knocking, make them an offer their current bank won’t: personalized, proven, and instant. Their loyalty tax becomes your acquisition channel.
Works across your products
Anywhere terms can vary by customer value, haggl returns the offer you authorized.
Credit cards
Limit, APR, and tier set by proven profile.
Deposits & savings
A sharper rate for balances proven elsewhere.
Personal loans
Rate by verified income and repayment history.
Mortgages
Terms by proven affordability — without collecting the paper trail.
Premium & wealth
Fast-track proven high-value customers to a relationship manager.
Current accounts
Switching incentives sized to lifetime value, not a flat banner.
Example terms shown for illustration.
You stay in control
You set the guardrails
Define every profile, track, and the maximum terms you will authorize. haggl negotiates only inside your limits — it never gives away anything you didn’t pre-approve.
No core-banking integration to start
Publish your offers and go. Account opening uses your existing flow, so you can begin without a migration project and deepen the integration only when you want to.
No new data liability
You act on proofs, not raw PII. There is nothing sensitive to store, secure, or answer for — privacy by design, not by policy.
Reversible
Turn it off anytime. No lock-in, no contract, nothing to unwind. The only risk is being the bank that wasn’t ready.
Free while we onboard launch partners
No cost, no core-banking integration to start, no data-handling liability. You set the guardrails and the maximum terms you will ever authorize. Turn it off anytime.
No card. No contract. Be ready before the switching wave.
The dam is going to break. Be on the right side of it.
The banks that install the negotiation layer first will absorb the flow. The ones that wait will watch their best customers leave one sentence at a time.
Frequently Asked Questions
No. Aggregators broadcast generic public rates and commoditize you into a rate war. haggl lets you make a private, personalized offer to a specific, proven profile — you compete on fit and lifetime value, not on a public rate table everyone can see. The customer never appears in a league table; they get one tailored offer from you.
Through zero-knowledge proofs and verified attestations (open-banking-grade). The customer's agent proves the fact — "verified income over €120k", "24 months of on-time payments", "€40k on deposit elsewhere" — without ever sending you the statements behind it. You underwrite on a fact you can trust; you never hold the document.
Not to start. You publish your ideal-customer profiles and the offers each one earns; account opening continues to run through your existing onboarding. You can begin making personalized offers without a migration project, then deepen the integration later if you want to.
It's data-minimizing by design: every disclosure is consented (the customer's agent initiates and authorizes it), verifiable, and auditable — and you never ingest raw third-party PII. Acting on proofs instead of documents means less sensitive data to store, secure, and answer for, not more.
Open banking moves data; it doesn't make offers or remove the decision friction. haggl turns "data portability" into one-sentence switching: the customer's agent proves their worth and receives a personalized offer in the moment. The rails already exist — the agent is the trigger, which is exactly why being ready now matters.
You do. You define every profile, track, and the maximum terms you'll authorize — limit, rate, tier, fee waiver. haggl negotiates only inside your guardrails and never gives away anything you didn't pre-approve. You set the ceiling; the proven profile decides where inside it each customer lands.
Anything where terms can vary by customer value: credit cards (limit, APR, tier), deposits and savings (rate), personal loans (rate by verified income and repayment history), mortgages (terms by proven affordability), and premium or wealth onboarding (fast-track proven high-value customers to a relationship manager).
Yes, during our launch-partner beta. No card, no contract, and you can turn it off anytime. There's no core-banking integration required to begin and no new data-handling liability, so there's nothing to lose by being ready before the switching wave arrives.
They're coming fast, and adoption only moves one way. The banks that are ready for the first wave win it — a ready bank becomes the default destination the moment switching costs nothing. Standing up your offers now is how you make sure the flow runs toward you, not away from you.