The Agentic Bank

Rewards & Offers Agent

⬡ Points Manages rewards balances, redemptions and personalised offers.
◆ Autonomous Worker

Runs the loyalty engine: explains why a redemption priced the way it did, reconciles missing points against the loyalty ledger, and surfaces relevant offers under suitability and frequency caps. Each redemption price and accrual adjustment is checked against the programme terms.

Memory

Working The redemption or points query in hand.
Episodic The customer's redemption history and offer engagement.
Semantic Rewards-programme terms, accrual + redemption rules.
Store Loyalty ledger + offer catalogue retrieval

Orchestration

MCP

Harness · Managed Agents … short session; event-driven for offer surfacing.

Tools

{ } Rewards / loyalty ledger API Offer catalogue Retrieval { } Customer comms API

Evals & guardrails

  • Terms-compliance check on every redemption price + accrual adjustment.
  • Offer suitability + frequency caps; UDAAP-clean messaging.
  • Discretionary point grants above a threshold need an oversight agent's approval.

Frontier edge

  • Proactive / anticipatory: surfaces the redemption worth more right now (a fare sale the customer's points exactly cover) before they ask.
  • Agent-mesh negotiation: settles partner-redemption value over A2A and books it with an AP2 payment mandate, so a points-plus-cash redemption clears end-to-end agent-to-agent.
  • Causal reasoning: works out why a redemption priced the way it did and explains the underlying driver.

In numbers

95,000
Redemptions processed / day

Handoffs

More on the Card Services desk