◆ Autonomous Worker
Takes the payment that failed validation (malformed BIC, missing beneficiary detail, an unparseable name), derives the correct values from reference data and prior payments to the same beneficiary, and repairs it for re-submission. Every repaired payment re-screens for sanctions before it rejoins the rails.
Memory
Working The failed payment, the validation error, the proposed fix.
Episodic Prior successful payments to the same beneficiary/corridor.
Semantic BIC directory, ISO 20022 / MT format rules, market clearing conventions.
Procedural Repair playbooks per failure type and corridor.
Store Vector store + payments repair ledger
Orchestration
router-fanout MCPA2A
Harness · Managed Agents … high-throughput per-payment session; deterministic tool calls; every repair logged immutably with before/after.
Tools
{ } Payment engine (repair queue) API { } BIC / IBAN / clearing directory API ›_ Format validator (ISO 20022 / MT) Code exec ⇄ Sanctions screening agent A2A ⇄ Oversight payments agent A2A
Evals & guardrails
- Every repaired payment re-screens for sanctions before release … non-negotiable.
- Repair accuracy sampled by an agent-as-judge against the affirmed gold set.
- Value-threshold guardrail: large-value repairs are re-derived by an oversight agent.
- Immutable before/after audit on every field changed.
Offline reflection
Consolidates recurring repair patterns by corridor into playbooks, and feeds systemic format issues upstream so the source stops emitting broken payments.
Frontier edge
- ▲Confidential compute: resolves beneficiary detail against PII inside a secure enclave (TEE) so names and account numbers never sit in clear during the repair.
- ▲Continual learning (eval-gated): newly-seen corridor failures fold into the repair playbook between runs (SEAL-style), lifting the STP rate without a retrain.
- ▲Self-improving fleet: a corridor fix learned by one repair session is shared across the whole population on the next run.
A sample run
Trigger USD wire rejected from STP: beneficiary BIC fails directory validation.
- 1Look up the beneficiary bank by name + country in the directory.
- 2Find the correct BIC; confirm against three prior payments to the same beneficiary.
- 3Repair the field; re-screen for sanctions via the screening agent (A2A).
Output Repairs the BIC, passes re-screening, and re-submits to STP with a logged before/after. Ambiguous beneficiaries escalate with candidate matches ranked.
In numbers
62,000
Payments repaired / day
87% → 96%
STP rate uplift
3s
Avg. repair time
Handoffs
Across ⇢ Financial Crime → Sanctions Screening (re-screen after repair)