◆ Autonomous Worker
Handles the everyday of an unsecured loan … payment questions, payoff quotes, due-date changes, autopay setup … against the servicing platform. Resolves the routine end-to-end and routes any hardship or distress signal straight to the hardship agent.
Memory
Working The request + the loan's servicing state.
Episodic The borrower's payment history and recent contacts.
Semantic Servicing policy, payoff calculation, modification eligibility.
Store Servicing platform state + policy retrieval
Orchestration
pipeline MCPA2A
Harness · Managed Agents … short session per request; deterministic tool calls.
Tools
{ } Loan servicing platform API ›_ Payoff calculator Code exec ⌕ Servicing policy (RAG) Retrieval ⇄ Hardship-agent handoff A2A
Evals & guardrails
- Hardship / distress signals route to the hardship agent (loss-mitigation pathway).
- Modification eligibility checked; commitments above a threshold need an oversight agent's approval.
- Payoff-quote accuracy validated before release.
Frontier edge
- ▲Voice-native / multimodal: handles the payoff-quote or due-date-change call directly, reading the customer's payment schedule aloud.
- ▲Confidential compute: payoff math and payment history run against loan PII inside a secure enclave, so balances are never in the clear on the servicing path.
- ▲Proactive / anticipatory: spots a customer drifting toward a missed payment and offers autopay or a due-date shift before delinquency, catching distress earlier for the hardship-agent handoff.
In numbers
70,000
Servicing requests / day
87%
Self-service resolution
Handoffs
Hands to → Collections Outreach Agent