The Agentic Bank

Payment Reconciliation Agent

⬡ Net Net Reconciles end-of-day payment flows against clearing and nostro, clearing breaks.
◆ Autonomous Worker

Squares the day's payment activity against what the clearing systems and nostro agents moved. Catches the duplicate, the dropped message, and the settled-but-unbooked entry, then clears the break or hands it on with the trail intact so the funded cash position is accurate.

Memory

Working The payment record, the clearing/nostro counter-entry, the match lean.
Episodic Recurring timing patterns per clearing channel.
Semantic Clearing-cycle timing, settlement finality rules, duplicate signatures.
Store Recon-engine state + payments ledger

Orchestration

router-fanout MCPA2A

Harness · Managed Agents … scheduled end-of-day session; compaction on large statement scans; structured note-taking per break.

Tools

{ } Reconciliation engine API { } Clearing / RTGS confirmations API { } Payment engine API Nostro break agent A2A

Evals & guardrails

  • Duplicate-payment detection is a hard guardrail … suspected duplicates escalate immediately.
  • Tolerance band on auto-clear; out-of-band mismatches route to an oversight agent.
  • Daily reconciled-vs-unreconciled position attested by a judge agent before funding decisions.

Frontier edge

  • Proactive: surfaces the duplicate or dropped message intraday as flows arrive, so the funded cash position is trustworthy before anyone funds against it.
  • Causal reasoning: distinguishes a true duplicate from a legitimate same-amount repeat by counterfactual signature analysis, cutting false escalations.
  • Agent-mesh negotiation: hands cash-side breaks to the nostro break agent over A2A with the matched trail attached, no re-investigation needed.

In numbers

210,000
Payment entries reconciled / day
94%
Auto-match rate

Handoffs

More on the Payments Operations desk