AI Agent for ISO 20022 Investigations
TxAgent is an AI Agent for ISO 20022 investigations and operational intelligence, transforming complex interbank transaction data into clear, actionable insights through natural language interaction. Built on an Agentic AI workflow, TxAgent helps financial institutions investigate payment exceptions, analyze transaction lifecycles and interact with SWIFT MT and ISO 20022 data without technical expertise. Users can explore transaction flows, counterparties and payment patterns directly in plain English.
Beyond payment investigations, TxAgent enables self-service reporting, visualization and the creation of tailored AI data pipelines for analytics and automation. It supports compliance investigations, treasury forecasting and customer intelligence — bringing the full value of structured ISO 20022 data into the hands of operations, compliance and business teams.
Key Capabilities
- 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”).
- Payment investigations: Analyze payment lifecycles, investigate exceptions and identify root causes across related MT and ISO 20022 messages.
- Scoped views: Focus on specific views of interest within complex ISO 20022 datasets, filtering noise and highlighting what matters most.
- Self-service AI/BI: Generate reports and build tailored AI pipelines for forecasting, monitoring and operational automation.
- Cross-message navigation: Seamlessly traverse linked MT and ISO 20022 messages — from initiation to confirmation, investigation 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 — while remaining compatible with third-party data sources.
See more in our Knowledge Base.
Use Cases
Payment Exceptions & Investigations: AI-assisted investigation of operational cases.
- Investigate failed, delayed and rejected payments across their full lifecycle.
- Trace related MT and ISO 20022 messages end-to-end for reconciliation and exception handling.
- Identify root causes and generate remediation actions for operations teams.
Compliance & AML: Explainable investigations powered by Agentic AI.
- Support sanctions and AML investigations through AI-assisted analysis of transaction flows and counterparties.
- Generate auditable AML/CTF narratives with referenced messages and ISO fields.
Treasury & Customer Intelligence: Actionable insights for bankers and analysts.
- Analyze transaction flows, liquidity trends and cash positions.
- Profile clients by activity, geography, counterparties and purpose codes.
Featured Demo: Payment Exceptions & Investigations
Watch how TxAgent analyzes ISO 20022 payment lifecycles to investigate exceptions, identify root causes and generate remediation actions with Agentic AI.