Vira: competitive intelligence for banks and credit unions
Vira · Competitive intelligence
Your institution and three competitors. Free.
Real data from a market that may not be yours. Free.
- 2,000+ US banks and credit unions captured weekly
- From the largest down to $500M in assets
- Name any competitor. Vira reads it down to the product.
- 350+ product, program and service types, classified
- 3,500+ features, ranked by what drives choice
- Every value linked to its source
- Fee conditions captured, not just the number
- FDIC and NCUA data, straight from the regulator
- Market data is 100% public. No data sharing, ever.
- Live in days. No integration.
Your market moves daily. Your view of it doesn't.
Rates change. Products launch. Fees adjust. In October 2026, the top savings rate was about six times the national average (Bankrate). Knowing where you stand is continuous work. One product team told us a competitive review took a day or more, copying and pasting pages into a spreadsheet. And it's stale the moment it's finished.
Customers aren't waiting, either. The average checking customer keeps deposit accounts at three institutions, and one in five had moved money away from their main bank in the three months before they were asked (J.D. Power, 2026). In May 2026, OpenAI put the number of people asking ChatGPT about money at more than 200 million a month, and the answer lines institutions up against each other. See what the assistants say →
So we built Vira.
A rate that sits outside the market is a bet.
Know what it costs. Know what it has to earn. Then keep score.
Pricing near the market median feels safe. It isn't a decision. It ignores how tightly rivals cluster, what a move costs on money that was staying anyway, and whether the last move worked. So committees overpay, or lose balances they could have kept, and can't tell which.
Vira's deposit tools put four plain questions in front of the committee before it decides.
- Does the gap matter?
- What does it cost?
- Is it paying?
- What are the moves?
For certificates coming due: which balances are at risk, and what keeping them costs.
The committee decides. The record keeps what was decided, and why. Both tools were shaped with finance and lending leaders.
Your rate against the market
The moves, and what each costs a year
On $120M of balances that reprice.
Illustrative. Fictional institutions and balances.
Different roles. Different questions. One market picture.
ALCO prep, without the scramble.
A committee-ready view of your market. The annual fee review, without the annual dread. Exportable.
A day of copy and paste. Replaced by one screen.
Pick a program or a persona. Each named competitor's offering, structured and comparable. Find the gaps before your competitor fills them.
Know when rates moved, and by how much.
The rate that matters isn't the one on the homepage. It's the one for a specific borrower, at a specific loan amount and credit score. Vira goes there.
Match the digital banks on features. Beat them on trust.
Track digital feature parity against digital-first competitors. See where the gap is widest. Prioritize the roadmap that closes it.
One view. No assembly required.
Where you lead. Where you trail. What the market carries that you don't. Board-ready.
Products, features, rates, fees, programs, personas and changes.
Standardized and tracked across every competitor you choose.
For product and retail leaders sizing the market.
Every product. Called what it is.
Bank products don't come with standard names. We found that interesting. Vira sorts them into 350+ types, so "Advantage Plus Checking" and "Smart Rewards Account" both show up as what they are: rewards checking. No more comparing apples to whatever-they-decided-to-call-it.
Illustrative. Fictional product names.
For CMOs and product teams hunting feature and messaging gaps.
The features customers actually weigh.
3,500+ features, defined for each product and ranked by what drives a customer's choice. Not a generic list. Every data point links to the page it came from. We don't ask you to trust us. We show our work.
Illustrative.
For lending leaders and ALCO preparing rate and fee decisions.
Every rate and fee, with its conditions.
Tracked over time. Structured and comparable across institutions. Flat, waivable or conditional: conditions captured, not just the number. Actuals, not averages.
Illustrative. Fictional institutions.
For marketing and product teams planning launches and campaigns.
Every program and persona.
25+ standardized programs. 15+ persona segments. Students. Seniors. Military. New to the country. First-time homebuyers. Pick a persona. See who serves it, and how.
Illustrative. Fictional institutions.
For everyone who has ever been blindsided by a competitor's surprise promotion.
Every week, what changed.
Alerts when something changes. When nothing changes, silence. The intelligence arrives. You don't go hunting for it.
Illustrative. Fictional institutions.
Captured weekly across more than 2,000 US banks and credit unions. Name any of them. Because why stop at some?
Reads the market. Keeps it current. Shows its work.
For the competitors you name, Vira reads what they publish, down to the product. Products, rates, fees and programs, extracted and structured. Then it checks back every week and tracks what changed.
Any competitor you want.
Any bank or credit union on the list, from the largest down to $500 million in assets. The aggressive credit union across town. The big bank that just opened down the street. You pick. We read.
Click-through provenance.
Every rate, fee and feature links back to the page it came from. Nothing is hidden. AI can make mistakes. Source links let you tell when.
A memory the web doesn't have.
A rate page is overwritten the day the rate changes. Vira keeps what it said, dated, so "what were they paying before the change?" has an answer.
Weekly cadence.
The market moves. Your data moves with it. You don't have to ask.
Check the market the moment you wonder. Not next quarter.
From the product and retail teams who shaped Vira with us.
"This usually would take us a whole day or more."A member of the retail team
"I think it is a lot quicker because you can see an overview of it and see which ones you want to go and dig deeper into. That sparks ideas."A retail leader
"So it's nice to be able to see it all at once instead of having to go to each website."A member of the retail team
"To do this myself would take me two to three years with everything else that I have going on..."A chief information officer
Compare us to anything. We did.
350+ product types and 3,500+ features later, it's already built and already running.
Your engineers have a roadmap. This isn't on it.
Complementary, not a replacement for everything. They have depth of history and branch-level rate mapping. Vira has the full product page, for any competitor you name, every week.
| Traditional services | Vira | |
|---|---|---|
| The data | Surveys, phone calls, consortium contributions | What competitors publish, read directly |
| The price of entry | Often, your own data | None. Nothing contributed to a pool. |
| What's covered | Rates, fees, account details | The full product page. Features, eligibility, exclusions, promotions, terms. |
| Who's covered | Whoever they already track | Any competitor you name. The digital-first bank. The credit union across town. |
Three places we don't lead. Yet.
- We capture published rates. We don't see what customers actually pay. If exception pricing is your job, we're not it.
- We capture location-specific rates where they're on the site. We don't map every branch, rate-setter to follower. If that's your work, the legacy services are it.
- They have years of history. We don't. If your question needs that depth, you should talk to them.
What we left out is a choice.
Not a visibility play.
Vira shows how your products line up against your market. When to play offense. When to play defense. If your question is what AI assistants say about you, that's the AI Assistant Audit.
Not a black box.
No source, no entry. Every value links to the page it came from. Check any of it in one click.
Not a judge of your products.
Vira shows the gaps between your published story and theirs. What you do about it is up to you and your strategy.
Not a six-month implementation.
No integration. Nothing contributed to a pool. You pick the competitors. We do the rest.
Not a pricing oracle.
It's built to show the cost of each move and keep score. The committee decides. As it should.
Not built for the trillion-dollar banks.
Built for the teams we met doing competitive research on Google, spreadsheets and memory. You've been promoted. Congratulations.
Start where you're comfortable.
See it work
Thirty minutes. Real bank and credit union data, shown live.
See a market Vira has already read: products classified, gaps surfaced. No deck. No setup on your side. No cost.
See it workSee your market
Your institution and three competitors.
A thirty-minute session, as early as the next day. Nothing canned. And it's free.
See your marketRun a pilot
Your competitors, your team, your committee cycles.
A paid pilot, long enough to stop being a demo and start being how you work.
P.S.While you were reading this, one of your competitors may have changed something. Wouldn't it be nice to know what?
The questions every first meeting gets to.
How do you get the data?
We read what banks and credit unions publish on their own websites. The same content any visitor sees. No mystery shopping, no data sharing, no consortium contribution. If a competitor publishes it, we can capture it.
Which institutions do you cover?
Every week Vira captures more than 2,000 US banks and credit unions, from the largest down to $500 million in assets. Name any competitor and Vira reads it down to the product.
Will competitors know we're tracking them?
No. We read what they publish, the same as any visitor.
Can we do this ourselves?
You could. It's already built, already running, and not on your engineers' roadmap.
What if we're not competitive?
Better to know than to guess. And the gap may be smaller than it looks: sometimes the product is fine and the page just tells its story poorly.
Can't find what you're looking for? partners@audareai.com