A new way to operate finance: use cases of Prometeo’s Agentic Banking Infrastructure

Prometeo’s Agentic Banking Infrastructure is an interoperability layer designed to connect large language models (LLMs) with operational financial infrastructure. It allows intelligent agents to carry out real banking operations without relying on manual integrations or custom developments.

These agents operate using structured natural language instructions. They can initiate payments, validate bank accounts, check balances, generate financial reports, or even open digital bank accounts with automatically assigned unique identifiers —like CLABEs in Mexico— simply by interpreting user intent.

All of this runs on our regionally connected banking infrastructure, with granular permission controls, full auditability, and regulatory-grade security.

Before we continue: a few key concepts

We know we’re talking about a new way to operate finance. Before diving into the use cases, it’s worth clarifying a few concepts that will define this next stage:

• Intelligent agent: autonomous software based on large language models (LLMs) that interprets natural language instructions and executes actions in real systems, without direct human intervention.
  
• Financial agent: An intelligent agent, connected to banking infrastructure, can perform financial operations such as account validation, payment execution, balance inquiries, and report generation.
  
• Payment agent: a financial agent specialized in initiating and managing money transfers —domestic or cross-border— from real bank accounts. It can collect payments, process payouts, keep an eye on payment failures, and operate in real time, adapting to context and following predefined rules.
  
• Agentic Banking Infrastructure: the interoperability layer that enables these agents to interact with real financial institutions, without the need for custom integrations.

These concepts open the door to a new category of financial products: designed to be operated by artificial intelligence.

As financial agents evolve and interact more deeply with financial infrastructure, the number of use cases will increase exponentially. However, it’s already possible to identify concrete scenarios where this technology is starting to transform real day-to-day operations.

Below, we explore some of the most relevant ones —from fintechs, payment service providers (PSPs), and financial institutions to e-commerce, cross-border platforms, and corporate treasury— as a starting point to imagine what’s coming:

AI Intelligent Agents

Intelligent agents, powered by Agentic Banking Infrastructure, now transcend mere data analysis and recommendations, and they can now operate directly on real banking infrastructure. This enables a new category of financial services, where AI carries out concrete actions —such as account validation or moving money— autonomously and securely.

Fintech and Embedded Finance

Fintech platforms can create and use their own financial agents to automate key tasks: opening digital bank accounts with unique identifiers, validating new users’ bank accounts, executing collections and payments, and checking balances or transaction histories.

This allows for frictionless, faster, and more scalable financial experiences —without relying on manual processes or large operations or tech teams.

PSPs and Financial Institutions

Payment agents can create virtual accounts with assigned balances, unique identifiers, and predefined limits —either as part of the onboarding process or internal operations.

These agents then automatically manage liquidity: monitoring balances, moving funds between accounts, and executing payments, all with full traceability and clearly defined permissions.

The result: less operational frictions and a more agile, programmable payment infrastructure.

E-commerce and Marketplaces

On platforms with multiple sellers, suppliers or clients, financial agents automate complex flows: validating bank accounts when a new user registers, executing payments based on defined rules, and speeding up balance settlements.

This eliminates manual processes and reduces errors, even in high-volume, multi-participant environments.

Cross-border Platforms

Agentic Banking Infrastructure solves the typical fragmentation of international payments. Instead of developing country-specific integrations, financial agents can execute contextual instructions: from currency conversion and opening local bank accounts, to sending payments and logging everything in real time.

This enables operations across multiple countries without setting up local legal entities —receiving and paying in local currencies from a single interoperable layer.

Corporate Treasury

Companies can delegate tasks to financial agents such as verifying supplier accounts, reconciling daily banking activity, or scheduling payments for specific dates.

This frees up treasury teams’ time, reduces errors, and increases response speed in high-pressure financial cycles or structures with multiple bank accounts.

Built on infrastructure that already connects more than 1,200 financial institutions across Latin America and the United States, it transforms the traditional integration model into a conversational one: no-code, frictionless, and fully traceable.

With Agentic Banking Infrastructure, agents go beyond prediction and recommendation —they execute real financial tasks.

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