Use casesFinancial institutions & fintech

  • Bank
  • Participation bank
  • Brokerage

Deceased customer and estate settlement

When a customer dies, every account, card, loan, box, and policy has to be found, the heirs' documents read, and each share worked out before a single payment to the family.

With the systemEvery product found, the heirs' documents read, each share computed; the estate officer decides when to pay.

Who decides
Estate desk officer

Brought to the branch by the heirs · 4 November 2026

Inheritance certificate (mirasçılık belgesi) · notary

The legal heirs of the deceased and their shares are as follows: spouse 2/8, child A*** 3/8, child B*** 3/8.

→ child B*** lives abroad · a power of attorney is on file

Illustrative The document as it arrives. In red, what the system marks for your expert.

1. The work

Today

  1. GatherWhen the bank learns of a death (from the identity registry, a relative at the branch, or a court letter), operations places the blocks your policy writes, then lists every account, deposit, investment account, card, loan, safe deposit box, and insurance policy, system by system.
  2. ReadThe heirs bring the inheritance certificate from a notary or the civil court of peace, and sometimes a will, a court decision, or powers of attorney; the officer reads who the heirs are, their shares, and who may act for whom.
  3. ComputeEach heir's share of each balance is worked out by hand from the certificate's fractions, and credits that arrived after the date of death, such as a pension or salary, are listed by hand.
  4. WriteThe officer writes the estate summary, the balance statement the heirs ask for to file their inheritance tax return, and letters asking for missing documents; the file waits weeks between visits.
  5. DecideThe estate officer decides when the file is complete and pays out on the heirs' instruction under your estate policy, only after the tax office's certificate or the withholding the law sets; the safe deposit box opens only with a tax official present; disputes go to legal.

With the system

  1. GatherOnce your core banking places the block your policy writes, the agent opens the estate file and sends one worker per product the customer held to collect it, read-only, each item cited to its system.Agentic AI
  2. ReadThe SLM reads the scanned inheritance certificate, any will, court decision, and power of attorney, and returns the heirs, their shares, who may act for whom, and anything that contradicts the certificate.SLM
  3. ComputeYour written rules, run as code, compute each heir's share of each balance from the certificate's fractions, check the document set against your checklist, and list credits after the date of death.Your rule
  4. WriteThe SLM drafts the estate summary, the balance statement for the heirs' tax return, and a letter naming exactly what is still missing; the file moves to its next state only when its conditions are met.SLM
  5. DecideThe estate officer checks the file against the documents and decides, as before, on every payout and every block lifted; disputes and contested documents go to legal.Person decides

What lands on the desk

The estate officer gets every product the customer held in one file, the heirs and their shares read from the certificate, each share computed by your own rules, and the letter that names what is still missing. Every payout and every block lifted stays the officer's decision.

FIG. 1 · Estate fileIllustrative
Retail customer · death recorded 21.10.2026Spouse and two children; one child abroad

SLM · what the documents say

  • HeirsSpouse and two childreninheritance certificate
  • SharesSpouse two eighths; each child three eighthsinheritance certificate
  • ActingChild A*** acts for child B***, withdrawals coveredpower of attorney
  • TaxThe tax office's certificate not yet brought

Agent · products found, read-only

  • Current account and time depositblocked under your policy
  • flaggedCredit card with a balance outstanding
  • flaggedConsumer loan with credit-linked life insuranceinsurer's claim to follow
  • flaggedSafe deposit box heldtax official must attend
  • flaggedPension credited after the date of death

Code · shares of each balance

  • Spouse2/8
  • Child A***3/8
  • Child B***3/8through the power of attorney

SLM · summary and letter

The estate summary is ready for the officer, the balance statement for the heirs' tax return is drafted, and a letter asks for the tax office's certificate. Nothing is paid.

  • SLM
  • Agent
  • Code

Written limitNo payout before the tax office's certificate or the withholding the law sets; the box opens only with a tax official present; the officer decides.

DecidesEstate desk officer

2. The system

For your technical team — skip it if you like.

How it works

In

  • Inheritance certificate (notary or court)
  • Will, court decisions, powers of attorney
  • The tax office's certificate, when brought

  1. SLM · reasons

    Estate document reader

    Fine-tuned SLM; reads scans of notary and court documents

    Reads

    • Everything under In

    Out

    • Heirs and their shares
    • Who may act for whom, and for what
    • Contradictions with the certificate
    • Confidence per field

  2. Agent · acts

    Estate file agent

    One worker per product held; the file in written states; read-only

    Reads

    • The death record and the customer's products
    • Your estate procedure and its states

    Out

    • Accounts, deposits, investments, cards, loans
    • Safe deposit box and insurance policies
    • Blocks in place and debts outstanding
    • The file's state and what it waits for

  3. Code · calculates

    Share and checklist calculation

    Your written rules, run as code; no model

    Reads

    • The certificate's fractions
    • Balances at the date of death
    • Your document checklist

    Out

    • Each heir's share of each balance
    • Documents present and missing
    • Credits after the date of death

  4. SLM · reasons

    Estate summary writer

    SLM, in your estate summary and letter templates

    Reads

    • The estate file and its sources
    • Your templates

    Out

    • The estate summary for the officer
    • The balance statement for the heirs
    • A letter naming what is missing

  5. Decision

    Estate desk officer

    Reads

    • The estate file and the documents

    Out

    • Decides every payout and every block lifted
    • Payout only after tax certificate or withholding
    • Box opened only with a tax official present
    • Disputes go to legal
How the agent's work is arrangedOrchestrator–workers + State graph

Orchestrator–workers

Each estate brings its own set of products, so a coordinator sends one worker per product held; the file then waits weeks for documents, so it sits in a named state and moves only when the conditions your procedure writes are met.

State graph

Each case sits in one named state and moves only along transitions the policy writes, each with its own conditions and caps.

How the models are trained and tested

Your expert writes the test first. A step the test does not need is skipped, and we say why.

Show the training steps

Small language model (SLM)

  1. Test set

    200–400 past estate files with the heirs, shares, and representatives your senior estate officers recorded, and the documents they rejected or sent to legal.

  2. Dataset

    Past inheritance certificates, court decisions, powers of attorney, estate summaries, and letters; names and identity numbers masked in training copies.

  3. Continued pre-training (CPT)If needed

    Only if the base model fails the test on the language of notary and court documents.

  4. Supervised fine-tuning (SFT)

    On reading each document type from scans, stamps and handwriting included, and on your estate summary and letter templates.

  5. Reinforcement learning (RL)Skipped

    Skipped: reading documents and writing to your templates are taught by fine-tuning, and no further reward is needed.

  6. Retrieval

    Retrieval supplies your estate procedure and checklist and the current rules your legal team approves; shares and balances come from the code, never from the model.

  7. Monitoring

    The officer reviews every file; a field read wrong or a contradiction missed joins the next test.

Where the agentic system stops

The estate desk officer decides every payout to the heirs and every block lifted, on the heirs' joint instruction or their representative's, and only after the tax office's certificate or the withholding the law sets.

Show its tools, limits, and record
Tools and access
Reads core banking, cards, loans, investment accounts, the safe deposit register, policies sold through the bank, and document management; read-only; writes only the estate file and its state.
May not
Pay, transfer, or release any amount, place or lift a block, open a safe deposit box or allow it opened, accept a document as valid, decide who is an heir, close an account or a loan, contact the heirs or the tax office, or grant itself any access.
Who decides and the written limit
Estate desk officerThe estate desk officer decides every payout to the heirs and every block lifted, on the heirs' joint instruction or their representative's, and only after the tax office's certificate or the withholding the law sets. The system never pays, never lifts a block, never opens a safe deposit box, and never decides who is an heir; disputes and contested documents go to legal.
Stops when
Documents that contradict the certificate, a will or a court case, an heir who is a minor or under guardianship, a power of attorney that does not clearly cover the act, a renunciation of the estate, debts larger than the assets, or a sanctions hit: the file goes to the officer, marked; a dispute goes to legal.
Record
Every product and source read, each document and field, every change of state and the condition behind it, the share calculations, the drafts, and who decided and paid.

How agentic systems stay inside limits

3. Value and conditions

Where the time goes, and what your institution will measure.

Where the value comes from

  1. Estates paid out sooner once the documents are complete.
  2. Fewer payouts made before the tax certificate or to the wrong person.
  3. Fewer visits for the family: one letter names everything missing.

What your institution measures

  • Time from complete documents to payout
  • Heirs' visits per estate
  • Payouts later corrected
  • Files waiting for a missing document
  • Complaints from heirs

Measured in the Decision Blueprint

Today's time from complete documents to payout and officer time per estate, from your estate files, set the baseline; your institution sets the target.

Conditions

The rules, the data, and the known error, with its guard.

  • The inheritance certificate is issued by the civil court of peace or a notary, and its invalidity may be raised at any time (Turkish Civil Code art. 598); until the estate is divided the heirs own it jointly and act together, unless a representative is appointed (art. 640). Payout instructions come from all heirs or their representative, as your policy writes.
  • Before paying money or securities to heirs, a bank asks for the tax office's certificate that the inheritance tax is paid; without it, it withholds the share the law sets, transfers it to the tax office within a week, and notifies it in writing (Inheritance and Transfer Tax Law no. 7338, art. 17). A deceased customer's safe deposit box is opened only with an authorized tax office official present, unless a civil judge of peace records it (art. 23).
  • Heirs may renounce the estate within three months, and an estate whose debts clearly exceed its assets at death counts as renounced (Turkish Civil Code arts. 605–606); heirs are jointly liable for its debts (art. 641). The system marks a renunciation or debts above assets for legal and never decides.
  • No machine-learning model is needed: who the heirs are and their shares are written in the certificate, and the shares are computed in code. Documents stay on your servers.

Start here

We take a quarter of estate files with your estate desk, time each step from the death notice to payout, collect your checklist and letter templates, and test the reader on your own scanned certificates before anything is built.

Who builds it Every engagement is led by an engineer who has built machine-learning models that real decisions run on since 2012, and language models and agentic systems in production since 2024. About eqlx

Request a Decision BlueprintWhat the Decision Blueprint covers

Equalize the gap.

Bring work that takes expertise. Leave knowing the first step.

A short description of the work is enough; no confidential records.

  1. You send a short descriptionNo confidential records, credentials, or production data
  2. The engineer checks whether it fits, and what it would needA model, a small language model, an agent, or none
  3. A proposed first step, or an honest “not a fit”A technical conversation with the engineer
Start with a Decision BlueprintTalk to the engineer

https://eqlx.ai/use-cases/deceased-estate · Printed copy; the website is the current version.