Financial services workflows

Agentic Governance with Authority Finality.

Four agentic workflows. One observability layer.

Banks are shipping AI agents faster than IAM and OAuth can keep up. KYE™ Delegated Auditability™ binds read-only to those stacks and emits signed, replayable evidence per action.

Workflow 1

Agentic payments.

A supplier-payment agent prepares and confirms invoices on behalf of finance ops. KYE™ captures each prepare/confirm action, runs a Shadow Evaluation against the bank's Authority Graph™, and flags missing_authority_grant, dual_control_missing, rate_cap_exceeded and amount_above_threshold gaps. PSD3 SCA-exemption claims become defensible because they reference signed Evidence Packs™.

Workflow 2

Procurement agents.

A procurement copilot accepts vendor quotes and triggers contract drafting. KYE™ captures every quote acceptance, runs Shadow Evaluations against the bank's third-party-risk policy, and flags out_of_scope_action (vendor outside approved tier), jurisdiction_mismatch (sanctions exposure), and data_class_unauthorized (commercially sensitive data shared outside its grant).

Workflow 3

Open finance.

A consent-aware finance copilot reads accounts via PSD2/PSD3 open-banking APIs, classifies transactions and recommends actions. KYE™ captures the agent's interpretation of consent (Purpose Permission™), flags purpose_unbound when the agent acts beyond the consented purpose, and emits stale_delegation alerts when consent ages past its reconfirmation window.

Workflow 4

Risk & compliance copilots.

A model-validation copilot reviews a credit-scoring model for compliance with SR 11-7. KYE™ captures the copilot's findings as Observed Actions, runs Shadow Evaluations to detect ambient_authority (the copilot reading production model artefacts it was never granted access to), and emits Guard Recommendations that align to SR 11-7 §IV (independent challenge).

Delegated authority gaps

Across all four workflows.

The same nine-class taxonomy applies across agentic payments, procurement, open finance and risk/compliance. The same Guard Recommendation types close them: Authority Gate, Purpose Permission, Tool Guard, MCP Guard, scope attenuation, rate cap.

Evidence Pack™ examples

Open the demo bundle.

A real Evidence Pack™ for a supplier-payment action — observed, evaluated, classified, recommended. Replayable offline.

Pilot package

30–90 day engagement, fixed scope.

  • Bind 1–4 customer stacks (read-only). Default scope: one agent class, two workflows.
  • KYE™ operators triage Observed Actions and classify Authority Gaps weekly.
  • Signed Audit Pilot Report at week 4, with prioritised Guard Recommendations.
  • Optional: install one Guard in shadow mode in week 6, promote at week 9.
  • Fixed price; no production stack change in scope.