Deutsche Bank and Ant Digital Technologies jointly release a white paper exploring AI Agent financial payments.

November 9 — Deutsche Bank and Ant Digital Technologies jointly released the white paper "Agentic Payments in Wholesale Finance" on November 9, exploring the application potential of AI Agents in areas such as institutional liquidity management, cross-border payments, and trade finance, as well as the corresponding governance and risk control frameworks.

The white paper points out that AI Agents can in the future autonomously predict liquidity gaps, evaluate fund allocation and foreign exchange transaction plans, coordinate cross-border payment routes, and process trade finance documents, identify data discrepancies, and generate payment instructions. Related applications are expected to enhance the automation and operational efficiency of complex business operations at financial institutions. In terms of risk control, the white paper advocates adopting a "Bounded Agentic Execution" model rather than granting AI unlimited autonomy, and proposes a reference architecture consisting of three layers: intent and orchestration, control and authorization, and settlement execution. Core safeguard measures include clear and revocable permission boundaries, verifiable agent identities, and a Know Your Agent (KYA) verification mechanism. The white paper also lists Anvita Flow, an agent platform developed by Ant Digital Technologies, as a practical application case.