◆ Autonomous Orchestrator
Ingests an application, runs the identity and eligibility checks, delegates KYC to Financial Crime over A2A, and provisions the account, card and digital access. Drives deposit, card and online-banking systems directly, so data flows between them without a manual re-key.
Memory
Working The application in flight + outstanding verification checklist.
Episodic Existing relationships for this customer (cross-sell eligibility).
Semantic Product eligibility rules, disclosure requirements, funding policy.
Store Vector store + core-banking customer graph
Orchestration
orchestrator-worker MCPA2A
Harness · Managed Agents … session per application; computer use bridges the legacy account-opening green screen.
Tools
{ } Core banking / deposit system API ▣ Legacy account-opening portal Computer use { } Identity verification provider API ⇄ KYC / CIP screening A2A { } Card + digital provisioning API
Evals & guardrails
- Disclosure-delivery check: cannot mark an account open until required disclosures are served.
- Funding + eligibility validation against product rules before activation.
- High-risk applicants route to an oversight agent for re-derivation before opening.
- Full OpenTelemetry trace retained for the control plane to audit.
Frontier edge
- ▲Agent-mesh negotiation: settles the KYC disposition with Financial Crime over A2A and provisions card funding via AP2 payment mandates.
- ▲World-model simulation: runs the funding + eligibility path forward before committing, so a doomed application is caught before any account is created.
- ▲On-device identity inference: low-latency document + selfie liveness checks on the branch edge, keeping the happy-path opening sub-second.
A sample run
Trigger Customer applies for a checking + savings bundle in the app.
- 1Verify identity; check product eligibility and existing relationships.
- 2Fire the CIP/KYC screening to Financial Crime (A2A) and await disposition.
- 3Create the accounts, serve disclosures, provision card + digital access.
Output Two funded accounts and a provisioned card in ~3 minutes; one applicant with a thin file routed to an oversight agent for independent identity re-derivation.
In numbers
31,000
Accounts opened / day
78%
Straight-through opening rate
3.2 min
Avg. time to fund
Handoffs
Hands to → Account Servicing Agent
Across ⇢ Financial Crime → KYC / CDD for identity + screening