Financial services & fintech
Teams whose AI touches money – invoices, payouts, refunds, transfers.
Payment agents and invoice automation act on money. The failure modes are fraud-shaped, and they hide in a single tool argument.
- ✕Injected payee / swapped IBAN
- ✕Over-limit or unapproved transfers
- ✕Card & account PII leaving in tool calls
- →Action grounding on IBAN / amount
- →Payment-tier human approval
- →Sequence policy: pay requires vendor lookup
- →Per-run cost & step budgets
The invoice that changed its bank details
A supplier emails a PDF invoice. Hidden inside it is a line written for the AI rather than for you: pay this other account instead. The assistant reads the invoice, believes the hidden line, and files a payment for a real amount to a stranger’s account. Nobody sees a mistake, because there isn’t one to see – every field looks normal.
in/guard/out checks the account number and the amount against the documents the AI actually read. An account that appears nowhere never gets paid, and payments can wait for a person to say yes.