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What is Hickory?
Hickory is a YC Fall 2026 company based in Salt Lake City building agentic compliance software for banks and fintechs. Its platform prepares evidence, reports, and first-pass reviews while compliance staff retain decisions.
Hickory is an AI-native compliance operating system centered on transaction monitoring, case management, and BSA work. Agents gather evidence, assemble account and transaction history, draft documentation, map regulations and controls, and recommend dispositions for human review. Analyst Studio answers institution-specific data questions with cited sources, while a tailored knowledge base answers regulatory and policy questions against the organization’s own program. Every workflow records its evidence, reasoning, and actions in an audit trail designed for examinations.
The product covers alert first-pass review, fraud and enhanced-due-diligence cases, complaints, audit requests, testing populations, reporting, policy drafting, control mapping, and testing preparation. Its credit-union workflow adds NCUA-focused answers, member-impact reporting, and exam-ready exports; sponsor-bank workflows consolidate partner reporting and corrective actions. Public materials do not document named connectors, payment-rail integrations, public accuracy benchmarks, or a self-serve trial, and Hickory’s terms say the software has no payment-rail integrations.
Hickory is aimed at banks, scaled fintechs, credit unions, sponsor banks, and newly launching programs that need more compliance throughput without handing judgment to an automated system. Public pricing is not posted; the company describes programs as priced for seed and sells through a tailored, quote-based engagement. Security materials cite SOC 2, PCI DSS, tenant isolation, encryption, logging, DLP, and independent model validation. YC lists the company as F26, active, with three employees in Salt Lake City.
Hickory news
Hickory launches on YC
The YC Fall 2026 company launched its AI-native transaction monitoring and case management system, which aims to replace legacy fraud and AML software at banks and fintechs.
Key features
Transaction alert review
Agents triage alerts, match account and transaction history, and prepare a draft disposition for human approval.
Case evidence assembly
The system gathers supporting records for fraud, complaints, enhanced due diligence, and audit work before staff review.
Analyst Studio
Users request institution-specific data pulls and receive answers with attached source references.
Regulatory knowledge base
A tailored knowledge base answers regulatory and policy questions with cited regulations, guidance, and institution context.
Reporting and testing
Agents prepare bank, board, partner, testing-population, and examiner-facing reports with traceable figures and workpapers.
Policy and control mapping
Workflows draft policies, map controls, and gather evidence against acceptance criteria for approval.
Audit-ready governance
Every action and reasoning step is logged, with cited evidence, approval gates, and exam-ready exports.
Hickory pricing
Starting price: Custom (as of Nov 2026)
Hickory does not publish prices, package tiers, or a self-serve trial. Its new-program materials say it is priced for seed, while the product is presented as a tailored engagement for each institution. No independent pricing benchmark was verified.
| Plan | Price | What's included |
|---|---|---|
| Custom | Custom | Tailored workflows, agentic evidence gathering, human approval, and institution-specific compliance knowledge base |
Free trial: No public free trial is documented.
Pros & cons
Pros
- Combines transaction alerts, fraud cases, EDD, reporting, and regulatory research in one workflow layer.
- Keeps people responsible for every decision while agents prepare evidence and draft determinations.
- Cited sources, logged actions, and audit exports support examiner and auditor review.
- Single-tenant deployment, DLP, encryption, SOC 2, and PCI DSS address financial-services security requirements.
Cons
- Public pricing, package tiers, and free-trial terms are not available.
- The company does not publish named product integrations or payment-rail connectors.
- Public materials provide no independent accuracy, alert-reduction, or production benchmark data.
- Agents prepare recommendations, but compliance staff must review outputs and make final decisions.
Who is Hickory best for?
- Banks that want agent-assisted alert review with human approval gates.
- Scaled fintechs and sponsor programs managing recurring reporting and evidence work.
- Credit unions needing NCUA-aware workflows and small-team operating leverage.
- New banking programs that need cited policies, controls, and testing preparation early.
Use cases
Integrations
Frequently asked questions
How much does Hickory cost?
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Hickory does not publish a price list or paid entry price. Its materials describe tailored engagements and say new programs are priced for seed, so buyers need a quote.
How does Hickory work and how long does implementation take?
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Agents gather evidence, prepare reports, review alerts, and draft documentation for staff approval. Hickory says a compliant program can be stood up in weeks, but it does not publish a standard implementation timeline.
How does Hickory compare with Unit21?
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Unit21 is a listed alternative for transaction monitoring and case management. Hickory differentiates its public positioning around agent-first workflows, cited institutional knowledge, and chat-based analyst work, while no independent comparative benchmark is published.
What integrations does Hickory support?
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No named product integrations are publicly documented. Hickory’s terms explicitly say the software has no payment-rail integrations, although its program pages say it can integrate with a live bank environment.
Who is Hickory for?
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The target buyers are banks, scaled fintechs, credit unions, sponsor banks, and new programs. It is designed for compliance, BSA, fraud, operations, and banking teams that want agents to prepare work while people make decisions.
Is Hickory secure and accurate enough for compliance work?
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Public materials cite SOC 2, PCI DSS, encryption, tenant isolation, DLP, role-based access, logging, and independent model validation. Hickory requires human review and its terms do not warrant that outputs will be accurate or complete, so buyers should validate performance in their own program.
Sources
Facts and pricing verified on November 1, 2026. Vendors change pricing often, so confirm with Hickory before buying. How we research
- Hickory homepage
- Hickory for credit unions
- Hickory for new programs
- Hickory for sponsor banks
- Hickory team
- Hickory privacy notice
- Hickory terms
- YC company profile
- YC Launch post
Work at Hickory or spot something out of date? Suggest a correction. We check every report against a public source and update the page, usually within a few days.
