v6.5.0 · Multi-Agent Intelligence

AI Framework

Intelligence woven into every layer of banking. Six specialized agents, 24 MCP tools, ML anomaly detection, and Temporal workflow orchestration — all coordinated through a multi-agent consensus engine.

Agent Protocol (AP2) API Reference

Natural Language Queries

Ask questions about your transactions in plain English. The AI translates your intent into precise database queries and returns structured results with charts and tables.

Multi-Agent Orchestration

Six specialized agents — General, Compliance, Financial, Trading, Transfer, and a consensus orchestrator — coordinate to handle complex financial operations autonomously.

ML Anomaly Detection

Multi-model detection using statistical, behavioral, velocity, and geo-based analysis. Model ensemble with weighted confidence scoring and automated alert escalation.

Specialized Agent Architecture

Each agent is a domain expert. The orchestrator routes requests to the right agent, and a consensus engine reconciles results when multiple agents weigh in.

General Agent

Handles natural language queries, FAQ responses, account summaries, and general banking assistance.

Compliance Agent

AML screening, KYC verification, sanctions checks, and regulatory reporting. Auto-escalates high-risk findings.

Financial Agent

Spending analysis, budget tracking, credit scoring, debt-ratio calculations, and loan affordability assessments.

Trading Agent

RSI, MACD indicators, momentum strategy generation, pattern identification, and market analysis with configurable risk limits.

Transfer Agent

Payment execution, cross-border transfers, fee optimization, and multi-currency routing with spending limit enforcement.

Orchestrator

Routes requests to the right agent, coordinates multi-agent workflows, and builds consensus when multiple agents contribute to a decision.

24 MCP Tools

The Model Context Protocol (MCP) tool registry lets external AI agents securely perform banking operations. Each tool is sandboxed, rate-limited, and audit-logged.

4 Account

  • Create Account
  • Balance Inquiry
  • Deposit
  • Withdraw

2 Payment

  • Transfer
  • Payment Status

3 Exchange

  • Quote
  • Trade
  • Liquidity Pool

2 Compliance

  • AML Screening
  • KYC Verification

2 Transaction

  • NL Query
  • Spending Analysis

5 Agent Protocol

  • Agent Payment
  • Escrow
  • Reputation
  • Mandate
  • VDC Issuance

3 Payment Rails

  • x402 (USDC)
  • MPP Discovery
  • MPP Payment

3 Services

  • SMS Send
  • Visa CLI Cards
  • Visa CLI Payment

Temporal Workflow Engine

Complex financial operations are orchestrated as durable workflows with automatic retries, compensation logic, and human-in-the-loop approval gates.

1

Risk Assessment Saga

Credit scoring, VaR calculation, debt-ratio analysis, and device/location verification run as parallel activities.

2

Trading Execution Saga

Market analysis, RSI/MACD calculation, strategy generation, and pattern identification with configurable risk limits.

3

Human Approval Gate

Transactions above configurable thresholds ($10k default) pause for human review. Only auto-approved when AI confidence exceeds 0.9.

4

Compliance Workflow

AML screening, KYC document verification, proof-of-address checks, and regulatory reporting as a single orchestrated workflow.

ML Detection Models

Statistical Analysis

Deviation from baseline patterns

Active
Behavioral Profiling

User habit and routine modeling

Active
Velocity Checks

Transaction frequency monitoring

Active
Geo-Based Detection

Impossible travel identification

Active
Ensemble Scoring

Weighted confidence aggregation

Active

Technical Capabilities

LLM Integration

  • Dual LLM providers: OpenAI (GPT-4) and Anthropic (Claude)
  • Automatic failover between providers
  • Natural language to SQL query translation
  • Intent classification with confidence scoring
  • Token usage tracking and cost management ($10/user/day limit)
  • Query safety validation and injection prevention

Conversation Intelligence

  • Context-aware sessions with 24-hour TTL
  • Multi-turn reasoning with progressive query refinement
  • Automatic routing to specialized agents via intent classification
  • Versioned prompt templates with category management
  • Response caching for frequently asked questions
  • Event-sourced interaction auditing

Related Capabilities

Agent Protocol (AP2)

DID authentication, A2A messaging, escrow, reputation, and AP2 mandates for autonomous agent commerce.

Machine Payments (MPP)

Multi-rail HTTP 402 payments with Stripe, USDC, Lightning, and x402 for AI agent autonomous commerce.

x402 Protocol

HTTP-native USDC micropayments on Base, Ethereum, Arbitrum, Solana with facilitator-verified settlement.

Intelligence Built Into Every Transaction

From natural language queries to autonomous agent commerce, the AI framework handles the complexity so you can focus on what matters.

Try AI Banking AI API Reference