The Agentic Bank

FX & PvP Settlement Agent

⬡ Twin Manages FX settlement, CLS netting, and Herstatt-risk monitoring.
◆ Supervised Specialist

Watches both legs of every FX deal so one currency is never paid out without the other received (Herstatt risk). Routes eligible trades through CLS for payment-versus-payment, nets the rest, and flags bilateral settlements that carry a one-sided exposure window.

Memory

Working The FX deal, both legs' status, CLS-eligibility verdict.
Episodic This counterparty's settlement reliability and prior near-misses.
Semantic CLS membership/eligibility, netting rules, settlement-risk limits.
Store Settlement ledger + counterparty-risk store

Orchestration

pipeline MCPA2A

Harness · Managed Agents … settlement-cycle session; event-log tracks both legs of each deal across the settlement window.

Tools

{ } CLS settlement member interface API { } FX deal capture API { } Nostro / payments API Settlement-risk limits Retrieval Oversight risk agent A2A

Evals & guardrails

  • Both-legs reconciliation; any one-sided settlement risk above a limit escalates.
  • CLS-eligibility check before routing; ineligible bilateral deals flagged for exposure.
  • Immutable audit of every leg's pay/receive timing.

Frontier edge

  • World-model simulation: models the Herstatt exposure window of each bilateral route (pay-first vs. receive-first) before committing a leg.
  • Formal action-gating: the pay-out leg is provably blocked unless the receive leg is secured … a cryptographically signed, replayable PvP guarantee.
  • Agent-mesh negotiation: coordinates simultaneous-settlement timing with the counterparty's settlement agent over A2A for ineligible bilateral deals.

A sample run

Trigger EUR/USD deal settles with a CLS-member counterparty on value date.
  1. 1Confirm both counterparties are CLS-eligible for this currency pair.
  2. 2Submit for PvP netting; net against same-day offsetting flows.
  3. 3Confirm both legs settle simultaneously through CLS.
Output Settles via CLS with no Herstatt exposure; an ineligible bilateral deal instead settles under limit with the brief exposure window flagged and monitored.

In numbers

95,000
FX deals settled / day
92%
PvP-eligible flow netted

Handoffs

Across ⇢ Markets → FX Trading (deal source)⇢ Treasury → Liquidity (settlement flows)

More on the Clearing & Settlement desk