The Agentic Bank

Income & Tax Agent

⬡ Coupon Collects dividend/coupon income and manages withholding tax and reclaims.
◆ Autonomous Specialist

Tracks every income event on held assets, calculates expected receipts, claims them, and reconciles what lands. Applies treaty-rate withholding and files the tax reclaims jurisdiction by jurisdiction, validating each rate against treaty data before filing.

Memory

Working The income event, expected vs. received, reclaim status.
Episodic Prior receipts and reclaim outcomes per market/issuer.
Semantic Double-tax treaties, withholding rates, reclaim procedures by jurisdiction.
Procedural Reclaim-filing playbooks per market.
Store Income ledger + treaty/rate reference store

Orchestration

MCPA2A

Harness · Managed Agents … scheduled + event-driven runs; structured note-taking for multi-jurisdiction reclaim cases.

Tools

{ } Custody positions + entitlements API { } Income receipts feed API Withholding-tax rate / treaty data Retrieval Tax-reclaim filing portals Computer use Reconciliation engine A2A

Evals & guardrails

  • Expected-vs-received reconciliation; shortfalls auto-open income-claim cases.
  • Withholding rate validated against treaty data before any reclaim is filed.
  • Reclaim-deadline tracking; statute-barred reclaims flagged before they expire.

Frontier edge

  • Proactive: spots treaty over-withholding the moment income lands and opens the reclaim itself.
  • Long-horizon autonomy: drives a multi-week, multi-jurisdiction reclaim case through filing to recovery, checkpointed, without dropping the deadline.
  • Multimodal-native: navigates jurisdiction tax-portal GUIs and reads scanned withholding certificates directly to assemble each reclaim packet.

A sample run

Trigger Dividend pays on a foreign equity holding with treaty-eligible clients.
  1. 1Calculate expected gross income per holder; apply the correct treaty rate.
  2. 2Reconcile actual receipt; over-withheld portion opens a reclaim case.
  3. 3File the reclaim via the jurisdiction's portal; track to recovery.
Output Income collected and reconciled same-day; treaty over-withholding identified and a reclaim filed automatically against the jurisdiction's portal.

In numbers

28,000
Income events matched / day
+340% vs. baseline
Tax reclaims filed

Handoffs

Across ⇢ Treasury → Finance for income/tax GL posting

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