◆ Autonomous Orchestrator
Collects the incorporation documents, verifies the business exists and trades, unwraps ownership to the controlling individuals, and assembles a risk-banded diligence file. Hands the file to Financial Crime for formal screening over A2A and gates the case-complete state on a verified screening return.
Memory
Working The application + outstanding-document checklist.
Episodic Related entities already banked (shared directors, addresses, guarantors).
Semantic KYB rules, entity-type requirements, jurisdiction risk bands.
Procedural Document-collection playbooks per business type and geography.
Store File-based memory tool + entity graph
Orchestration
orchestrator-worker MCPA2A
Harness · Managed Agents … session with structured note-taking (a KYB checklist file) persisted outside context across the multi-step case.
Tools
{ } Document intake + OCR API ⌘ Companies-registry lookups MCP { } Business verification provider API ▣ Legacy onboarding portal Computer use ⇄ Screening handoff (sanctions/PEP) A2A
Evals & guardrails
- Completeness check against the KYB rule set before the file is marked done.
- High-risk entity types or opaque ownership route to a senior onboarding agent.
- Agent-as-judge review of every beneficial-ownership unwrap before sign-off.
Offline reflection
Learns which entity-type/jurisdiction combinations stall on missing documents and updates the collection checklist to request the right artifacts up front.
Frontier edge
- ▲Agent-mesh KYB: negotiates the diligence handoff to Financial Crime over A2A and verifies the screening came back signed (AP2-style mandate), so the case file can't be marked clean on an unverified claim.
- ▲Confidential compute: ownership-unwrap and director verification run inside a TEE … beneficial-owner PII never sits in clear, even to the agent.
- ▲Proactive document collection: predicts the artifacts a given entity-type/jurisdiction will stall on and requests them before the applicant is asked twice.
A sample run
Trigger New SME applicant: a three-director limited company applying for a working-capital line.
- 1Pull the registry filing; confirm active trading status and registered address.
- 2Unwrap ownership; identify the controlling individuals.
- 3Verify each director and route all parties to Financial Crime screening (A2A).
- 4Assemble the KYB file with evidence and a risk band.
Output A risk-banded KYB file with evidence and screening verified; flags one director with a recently dissolved company to a senior onboarding agent.
In numbers
same-day
Median onboarding latency
68%
Auto-completed KYB files
Handoffs
Hands to → SME Underwriting Agent
Across ⇢ Financial Crime → KYC/CDD (A2A screening calls)