As money becomes programmable, the decisions behind it are becoming autonomous. AI agents are starting to optimize liquidity, move collateral, price credit and execute treasury operations in real time, working alongside, and increasingly ahead of, human teams. For banks, the competitive edge is shifting from processing transactions to controlling the intelligence that decides how and when they happen.

This session brings together TradFi executives and leaders from AI labs to explore what it takes to put AI agents to work on the balance sheet. They’ll cover agentic treasury and liquidity management, programmable lending and automated credit decisions, and collateral that moves on its own based on predefined rules. They’ll also address the controls that make this safe—including authority limits, model risk management, explainability, and audit trails for autonomous actions. Panelists will also consider how far autonomy should extend, what still requires human judgment, and which institutions will own the intelligence layer of banking. Specific discussion will also include:

• Where are AI agents making balance-sheet decisions today, and where are banks drawing the line?
• How do you set, enforce and audit the authority of an autonomous agent?
• Will banks build this intelligence themselves, partner with AI labs, or risk ceding it?