Agentic Treasury 2026: Daga Autonomous Treasury Index zuwa Co-Pilots na Matakin Samarwa

Treasury co-pilot a 2026 ba chatbot ba ne da aka manna a kan allon matsayin kuɗi. Wakili ne mai iyaka da ke karatun bayanan ISO 20022, yana yin tsinkayen liquidity na cikin yini, kuma yana ba da shawara — ko, a cikin tsauraran ambulan manufofin, yana aiwatar — sweeps, FX hedges, da intraday repo. Tsarin daidai yake a fadin treasury na Corporate and Investment Banking (CIB): wakilai suna ci gaba da daidaita liquidity a cikin layukan manufofi, suna haɓaka zuwa ga mutum kawai lokacin da za a ƙetare layi ko iyakar abokin huldar tana kusa. Binciken masu aiki sun saka raguwar nauyin aiki na hannu a 30-50% a fadin tsayar da kuɗi, hasashen, da kula da keɓancewa, kuma Capgemini's 2026 banking outlook yana ambaton agentic AI a treasury a matsayin ɗaya daga cikin yanayin amfani kaɗan inda kashe kuɗi na 2026 ke samar da matsewar farashin-don-yi-aiki da za a iya aunawa.

Wannan labarin shi ne Sashe na II na halitta na Autonomous Treasury Index. Index ɗin yana bayyana inda za a tafi — liquidity mai iya tsarawa, ajiyar kuɗi da aka sanya token, manufofin da kayan aiki ke iya karantawa. Co-pilots su ne sashin samarwa wanda ke kawo treasury na CIB can ba tare da karya SR 11-7, DORA, ko EU AI Act ba.

01. Daga gwaji zuwa samarwa

2024-2025 sun kasance gwaje-gwajen treasury. 2026 samarwa ce ta treasury.

Forrester's Predictions 2026: Banking and Investing yana da kai tsaye: a 2026, mafi yawan bankunan Tier-1 za su motsa aƙalla yanayin amfani na agentic guda ɗaya daga sandbox zuwa muhalli mai aiki, da aka auna na samarwa, kuma treasury yana cikin uku na farko da suka share wannan mashaya. Rahoton manyan abubuwan da ke faruwa a banki na Capgemini na 2026 yana yin kira iri ɗaya daga wani kusurwa daban — kashe kuɗi na agentic AI yana motsi daga gwaje-gwajen yawan amfani na kwance zuwa turawa na takamaiman ɗaiɗaiku, na takamaiman aiki, tare da treasury na kamfanoni, ayyukan biya, da gyaran KYC suna ɗaukar mafi yawan sabon kasafin kuɗi na 2026.

Me ya canza? Abubuwa uku.

Da farko, sashin bayanai. Ƙaurar ISO 20022 ta kammala don yawancin manyan kuɗaɗen a Nuwamba 2025, don haka bayanan kuɗi da biya suna isa cikin tsari mai tsari wanda wakili zai iya yin tunani akai ba tare da sashin scrape na allo mai rauni ba.

Na biyu, sashin sarrafawa. MCP ya daidaita yadda wakilai ke kiran kayan aiki, kuma bankuna yanzu suna da amsa da za a iya kare ga tambayar CRO: "menene wannan wakilin zai iya yi a zahiri?" Amsar ita ce rajistar kayan aikin MCP da yake da alaƙa da su, ba komai ba.

Na uku, masu sarrafawa sun daina zama hasashe. Jagorar kulawa na SR 11-7 an mika ta don rufe samfuran da ba na ƙididdiga ba; DORA ya tashi a Janairu 2025; tsarin rabe-rabe na haɗari mai tsanani na EU AI Act ya fara cizo a Agusta 2026.

02. Gine-ginen: bayanai + ISO + tool calls

Treasury co-pilot na matakin samarwa a 2026 yana da matakai uku, a wannan tsari.

Bayanai. Wakilin yana karatun saƙonnin ISO 20022 — camt.052 (sanarwar cikin yini), camt.053 (ƙarshen yini), camt.054 (sanarwar bashi/zaman bashi) — da kuma pacs.008 canja wuri na kuɗi na abokin ciniki yayin da suke gudana ta layukan biya na banki. Wakilin yana karatun saƙo mai tsari kuma yana daidaita zuwa ledger ɗin gabaɗaya. Playbook na treasury AI na 2026 na Elire yana siffanta wannan a matsayin sharaɗin: idan wakilin ba zai iya karatun bayanan ISO 20022 masu tsari ba, kowane da'awar ƙasa game da daidaiton hasashen talla ne.

Tunani. Samfurin tushe da aka iyakance — yawanci samfurin frontier na cikin gida tare da mai daidaita manufofin treasury — yana mai da gaskiyar ISO 20022 ya zama aiki da aka ba da shawara. Matakin tunanin ba ya taɓa layin biya. Yana samar da buƙatar tool-call mai tsari: "share £180m daga EUR nostro a BoE-tier counterparty X zuwa asusun GBP RTGS Y a 14:30 don kiyaye buffer na GBP na cikin yini sama da bene na manufofi."

Tool calls. Wakilin yana kiran kayan aiki da aka yi rajista a MCP. Kowane kayan aiki aiki ne mai nau'i, mai bincike: propose_sweep, simulate_fx_hedge, query_limit, submit_pacs008_for_human_approval. Kayan aikin MCP shi kaɗai ne hanyar zuwa tasiri na ainihin duniya. Mika SWIFT sama da takamaiman barzahu yana zuwa ga ma'aikacin treasury na ɗan adam don tabbatarwa; ƙasa da iyaka, wakilin zai iya mikawa cikin layin manufofi na hasken rana kuma aikin yana sauka a cikin WORM audit log a cikin daƙiƙa ɗaya.

Tarbiyyar ita ce samfurin ba shi da damar rubuta bayanan, ba shi da tushen SWIFT kai tsaye, kuma ba ya karatun allunan da ba a tsara su ba. Rajistan MCP shine iyakar tsaro, kuma manufofin OPA suna tilasta abin da kowane ainihin wakili zai iya kira.

03. Yanayin amfani da ma'auni

Yanayin amfani uku na treasury co-pilot suna cikin samarwa a sikelin CIB a 2026.

Tsayar da kuɗi. Wakilin yana kiyaye matsayin kuɗi na cikin yini mai rai a fadin nostro accounts, yana hango saƙonnin pacs.008 da ke kan tashi, kuma yana ba da shawarar sweeps don kiyaye buffers a cikin layukan manufofi. Tasiri da aka ruwaito: raguwar 35-45% a lokacin daidaitawa na hannu, raguwa da aka auna a cikin yawan tallafin buffer na ƙarshen yini (wanda ke inganta Net Interest Margin akan kuɗi marasa amfani), da kuma abubuwan overdraft na RTGS na cikin yini suna kaiwa sifili a gwaje-gwajen da suka kammala cikakken kwata.

Hasashen kuɗi. Wakilin yana shanyewa kwararar ISO 20022 na tarihi, alamun halayyar abokin ciniki, da abubuwan da suka faru na kalanda da aka sani (kwanakin haraji, kwanakin dividend, coupons na bond) kuma yana samar da hasashen kuɗi na rana 1, rana 5, da rana 30 tare da yawan tabbaci. Matsakaicin kuskuren matsakaicin matakin matsakaici akan hasashen rana 5 ya faɗi daga ~7-9% (tushen regression) zuwa ~3-4% a cikin treasury na CIB da aka fi tsarawa, wanda ke inganta tsarin kuɗin CFO sosai.

Kula da keɓancewa. Wakilin yana triage keɓancewar biya — saƙonnin pacs.008 da suka gaza, hits na counterparty da aka takaita, remittance da ba ta dace ba — kuma yana ba da shawarar mai sarrafawa (gyarawa, mayar da shi, haɓaka). Lokacin triage ya faɗi daga ~minti 7 (mutum kawai) zuwa ~daƙiƙa 90 (mutum-cikin-loop), kuma rawar mutum tana motsi daga tara bayanai zuwa hukunci.

Ma'auni mai gaskiya ba "ayyukan da aka aiwatar ta atomatik ba" ne; "kulawa ta treasury da aka sake rabawa daga taron bayanai zuwa hukunci" ne. Wannan shine lambar da CFO zai iya kare wa hukumar kuma CRO zai iya kare wa mai sarrafawa.

04. Gudanarwa, audit, da dacewar SR 11-7

Agentic treasury matsalar haɗarin samfuri ce kafin ta zama labarin yawan amfani.

SR 11-7 da MRM. A ƙarƙashin jagorar sarrafa haɗarin samfuri na SR 11-7 na Federal Reserve, kowane samfuri da ke yin tasiri sosai akan hukunce-hukuncen kuɗi yana buƙatar haɓaka da aka rubuta, tabbaci mai zaman kansa, da kuma kula da aiki mai ci gaba. Treasury co-pilot samfuri ne a ƙarƙashin SR 11-7. MRM yana mallakar shigarwar kaya, tabbaci yana mallakar gwajin ƙalubale (shin hasashen wakilin ya doke tushen regression akan windo da aka ajiye?), kuma samarwa tana mallakar kula da motsi. Bankunan da ke ɗaukar co-pilot a matsayin "kayan aiki kawai" suna kuskuren rarraba haɗari.

DORA. Ka'idar (EU) 2022/2554 (DORA) Article 5 ya sa hukumar a ƙarshe ta zama mai alhakin haɗarin ICT. Treasury co-pilots tsarin ICT ne masu goyon bayan aiki mai mahimmanci — hukumar dole ta amince da tsarin haɗari, mai da hankalin mai bayar da sabis na ɓangare na uku, da tsarin fita. Kill switch (soke damar shiga kayan aikin MCP kuma a sake komawa zuwa aiki na mutum kawai a cikin mintuna) sarrafawa ce ta DORA, ba abin "mai kyau-don-samu" ba.

EU AI Act. Treasury co-pilot wanda ke yin tasiri akan hukunce-hukuncen kuɗi masu mahimmanci yana fada cikin rabe-raben haɗari mai tsanani, wanda ke wajaba ga banki ya kiyaye tsarin sarrafa haɗari, ya yi log na duk ayyukan zuwa OTLP-compliant telemetry, ya gudanar da kulawa ta mutum, kuma ya samar da takaddun daidaito akan buƙata. Aiwatar da gaskiya shine cikakken OTLP traces akan kowane mataki na tunani na wakili da kuma WORM-stored tool-call audit logs, da mai bita ɗan adam don kowane aiki da ke ƙetare layin manufofi.

Tattaunawar kulawa. Bank of England (BoE) da Financial Conduct Authority (FCA) sun bayyana karara ta hanyar 2025-2026 cewa suna sa rai su ga kayan, shaidar tabbaci, da kill switch, a wannan tsari. Tattaunawar tana tafiya da kyau lokacin da CRO zai iya nuna duka uku a cikin daki ɗaya.

Sashin sarrafawa shine moat. Bankin da zai iya nuna wa mai sa idonsa rajistan MCP, fayil ɗin manufofin OPA, WORM audit log, OTLP trace stream, da kuma SR 11-7 validation pack — a cikin zama ɗaya — yana shirye don gudanar da treasury co-pilots a samarwa. Bankin da ba zai iya ba yana gudanar da gwajin da ba a ba shi izini ba.

Kammalawa

Autonomous Treasury Index ya bayyana inda za a tafi: liquidity mai iya tsarawa, ajiyar kuɗi da aka sanya token, manufofin da kayan aiki ke iya karantawa. Wannan rubutun shine Sashe na II — sashin samarwa wanda ke kawo treasury na CIB can. Tsarin yana da kwanciyar hankali: bayanan ISO 20022, tool calls masu iyakar MCP, gudanarwa na SR 11-7, alhakin DORA, audit na EU AI Act. Treasury co-pilots na 2026 da ke tsira daga bita na mai kula da su na farko suna da siffa iri ɗaya; waɗanda ba su tsira ba sun rasa abubuwa uku iri ɗaya — MRM validation pack, kill switch, da WORM audit log.

Aikin mai ban sha'awa a 2026 ba samfurin ba ne. Sashin sarrafawa ne a kewayen samfurin, da tattaunawar CFO da ke mai da raguwar nauyin aiki na hannu na 30-50% zuwa lambar farashin-don-yi-aiki da za a iya kare.

Don mahallin sama, duba Autonomous Treasury Index kuma, don tsarin gudanarwa, Agentic AI Index for Banks.

An sake duba shi karshe 2026-06-27.

Bita ta ƙarshe 2026-06-29.

Sake buga wannan labari

Agentic Treasury 2026: Daga Autonomous Treasury Index zuwa Co-Pilots na Matakin Samarwa — Sebastien Rousseau

Agentic treasury co-pilots suna motsi daga gwaji zuwa samarwa a 2026 — bayanan ISO 20022 tare da tool-calls, da sarrafa SR 11-7, DORA, da EU AI Act a kewayen su.

An lasisin wannan labari a karkashin Creative Commons Attribution 4.0 International. Sake bugawa na bukatar nuna asalin URL na asali.

Agentic Treasury 2026: Daga Autonomous Treasury Index zuwa Co-Pilots na Matakin Samarwa — Sebastien Rousseau

Agentic treasury co-pilots suna motsi daga gwaji zuwa samarwa a 2026 — bayanan ISO 20022 tare da tool-calls, da sarrafa SR 11-7, DORA, da EU AI Act a kewayen su.

Originally published at https://sebastienrousseau.com/ha/2026-06-27-agentic-treasury-co-pilots-autonomous-treasury-production-2026/ by Sebastien Rousseau.
Licensed under CC-BY-4.0.

SEBASTIEN ROUSSEAU FOUNDER · ENGINEER

Agentic Treasury 2026: Daga Autonomous Treasury Index zuwa Co-Pilots na Matakin Samarwa

01. Daga gwaji zuwa samarwa

02. Gine-ginen: bayanai + ISO + tool calls

03. Yanayin amfani da ma'auni

04. Gudanarwa, audit, da dacewar SR 11-7

Kammalawa

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