AI agents for cash management in payment systems

Bank for International Settlements research demonstrates ChatGPT's ability to manage cash and liquidity in real-time gross settlement payment systems without domain-specific training. Through prompt-based experiments, the AI agent successfully maintained precautionary liquidity buffers, dynamically prioritized payments under constraints, and balanced settlement speed against liquidity usage. Results suggest routine cash management tasks could be automated using general-purpose large language models, potentially reducing operational costs and improving intraday liquidity efficiency.