00000nam 2200000zi 4500 9.957718 CaOODSP 20251127073844 m o d f cr cn||||||||| 251127e20251126onca ob f000 0 eng d CaOODSP eng rda CaOODSP eng eng fre FB3-5/2025-35E-PDF Aldasoro, Iñaki, author. AI agents for cash management in payment systems / Iñaki Aldasoro, Ajit Desai. [Ottawa] : Bank of Canada = Banque du Canada, November 26, 2025. ©2025 1 online resource (iii, 22 pages) : illustrations. text txt rdacontent computer c rdamedia online resource cr rdacarrier Staff working paper = Document de travail du personnel, 1701-9397 ; 2025-35 Cover title. Includes bibliographical references (pages 20-22). "Using prompt-based experiments with ChatGPT's reasoning model, we evaluate whether a generative artificial intelligence (AI) agent can perform high-level intraday liquidity management in a wholesale payment system. We simulate payment scenarios with liquidity shocks and competing priorities to test the agent's ability to maintain precautionary liquidity buffers, dynamically prioritize payments under tight constraints, and optimize the trade-off between settlement speed and liquidity usage. Our results show that even without domain-specific training, the AI agent closely replicates key prudential cash-management practices, issuing calibrated recommendations that preserve liquidity while minimizing delays. These findings suggest that routine cash-management tasks could be automated using general-purpose large language models, potentially reducing operational costs and improving intraday liquidity efficiency. We conclude with a discussion of the regulatory and policy safeguards that central banks and supervisors may need to consider in an era of AI-driven payment operations"--Abstract, page ii. Includes abstracts in English and French. Artificial intelligence Financial applications. Liquidity (Economics) Fintech. Intelligence artificielle Applications financières. Liquidité (Économie politique) Technologie financière. Bank of Canada, issuing body. Staff working paper (Bank of Canada) 1701-9397 ; 2025-35. (CaOODSP)9.806221 PDF 947 KB https://publications.gc.ca/collections/collection_2025/banque-bank-canada/FB3-5-2025-35-eng.pdf