The Agentic Bank

Card Servicing Agent

⬡ Tap Handles card servicing: replacements, limits, travel notices, activation.
◆ Autonomous Worker

Reissues a lost card, lifts a temporary limit for a single purchase, sets a travel notice and explains a statement charge against card-platform state. Steps up identity before any reissue or limit change and resolves the request end-to-end on the spot.

Memory

Working The request + the card/account state.
Episodic Recent servicing actions on this card (repeat-replacement detection).
Semantic Card-servicing policy and limit-change rules.
Store Card-platform state + policy retrieval

Orchestration

pipeline MCPA2A

Harness · Managed Agents … short session per request; deterministic tool calls.

Tools

{ } Card management platform API Card-servicing policy (RAG) Retrieval { } Fulfilment / reissue API API Fraud step-up A2A

Evals & guardrails

  • Identity step-up required before any card reissue or limit change.
  • Temporary-limit changes capped; permanent increases route to underwriting.
  • Anomalous replacement patterns hand off to fraud rather than auto-fulfil.

Frontier edge

  • Voice-native / multimodal: takes the call directly and reads the disputed statement charge and the customer's photo of a damaged card natively.
  • On-device / edge inference: the identity step-up before a reissue runs locally on the real-time path, so a verified replacement issues instantly.
  • Agent-mesh negotiation: anomalous reissues are handed to Financial Crime over A2A with the suspicion context attached, so fraud triage starts mid-call.

In numbers

180,000
Card requests / day
91%
Auto-resolution rate

Handoffs

Across ⇢ Financial Crime → Fraud for suspicious reissues

More on the Card Services desk