From Transactions to Actions
TxAgent — AI Agent for ISO 20022 by Alpina Analytics
TxAgent is the first AI Agent for ISO 20022, transforming complex interbank transaction data (SWIFT MT and ISO 20022) into clear, actionable insights through natural language interaction. Built on an Agentic AI workflow, TxAgent pioneers how financial institutions access and analyze ISO 20022 data, making it usable by business and data analysts without technical expertise. Users can explore transaction flows, counterparties, and payment patterns directly in plain English.
Beyond investigation, TxAgent empowers self-service reporting, visualization, and the creation of tailored AI data pipelines for machine learning and analytics. It supports compliance investigations, treasury forecasting, and customer insights — bringing the full value of structured ISO 20022 data into the hands of business and compliance teams.
Key Contributions
- Conversational access: Ask questions in plain English about ISO 20022 or SWIFT MT transactions (e.g. “show me all pacs.008 payments above $10k in July”), powered by Alpina’s Agentic AI framework.
- Scoped views: Focus on specific views of interest within complex ISO 20022 datasets, filtering noise and highlighting what matters most.
- Self-service AI/BI: Enable business and compliance teams to generate their own reports and build tailored AI pipelines for forecasting, monitoring, and automation.
- Cross-message navigation: Seamlessly traverse linked MT and ISO 20022 messages — from initiation to confirmation or return.
- Traceable AI: Every answer includes referenced message IDs and ISO fields, ensuring transparency and auditability in regulated environments.
- Integration with TxFlow: Built natively on TxFlow — Alpina’s ISO 20022 data pipeline — but also integrates with third-party sources.
See more in our Knowledge Base.
Use Cases
Operations: Rapid answers without IT dependency.
- Check payment statuses and confirmations across MT and ISO 20022 messages.
- Trace transaction chains end-to-end for reconciliation and exception handling.
Compliance: Smarter investigations powered by Agentic AI.
- Detect transactions linked to sanctions or high-risk jurisdictions.
- Generate auditable AML/CTF narratives with explainable AI output.
Front Office and Treasury: Actionable insights for bankers and analysts.
- Profile clients by transaction activity, geography, counterparties, and purpose codes.
- Support treasury and corporate banking teams with flow analysis and cash forecasting.