The Rise of Internal AI Agents in Global Payments & What It Means For Businesses

Artificial intelligence is reshaping the financial services landscape—not only through customer-facing innovations, but also through the quiet transformation happening inside businesses. Findings from a white paper titled “AI and Stablecoins’ Transformation of the Global B2B Payments Experience” jointly released by FXC Intelligence and SUNRATE further underscore this trend. Across banking, fintech, consulting, legal services, and even government agencies, in-house AI agents are rapidly becoming essential infrastructure for accuracy, speed, and efficiency. 

As the complexity of cross-border payments grows, internal AI capabilities are emerging as a critical differentiator. At SUNRATE, the adoption of in-house AI tools is helping teams work faster, reduce risk, and deliver an even better experience for customers around the world. 

The Changing Role of AI Agents Across Industries 

Financial institutions are increasingly developing their own internal AI tools to streamline work and ensure teams have access to accurate, real-time information. Bank of America’s AskGPS, for example, is designed to support the Global Payments Solutions team and is expected to save tens of thousands of work hours each year. Goldman Sachs and Citigroup have also built similar in-house platforms—together used by more than a hundred thousand employees—to simplify workflows and accelerate decision-making. 

This trend is not limited to financial services. The US Food and Drug Administration (FDA) uses its AI agent, Elsa, to help employees quickly retrieve internal documents and speed up scientific evaluations. Global law firm Taylor Wessing developed LitiumTW to assist legal and business services teams. Meanwhile, consultancies such as McKinsey and Deloitte have deployed internal generative AI tools to support daily client work and research. 

Across industries, internal AI agents are becoming the backbone of modern operations. 

Why Internal AI Agents Matter in Cross-Border Payments 

Global payments are becoming more sophisticated, with businesses demanding greater speed, transparency, and cost efficiency. Internal AI agents support this shift by helping businesses operate with: 

1. Greater accuracy

Outdated or inconsistent information introduces operational risk. AI-driven knowledge hubs ensure employees always have access to the latest, validated data—a key advantage when dealing with complex global payment rules, multiple jurisdictions, and fast-changing market conditions.

2. Faster response times

In the world of global business, customers and partners expect quick, confident answers. AI tools help teams provide timely support backed by accurate insights, improving service quality across time zones.

3. Improved operational efficiency

Manual tasks such as searching through internal documentation, reconciling transactional information, or checking product conditions can consume valuable hours. AI streamlines these functions, freeing professionals to focus on higher-value strategic activities.

4. Stronger global cohesion

Organisations with distributed teams require a shared source of truth. An AI agent that consolidates knowledge ensures consistency in how information is accessed and interpreted—regardless of geography. This kind of internal intelligence infrastructure isn’t just about streamlining tasks; it directly impacts the quality of global payment execution—from onboarding and compliance checks to exception handling and reconciliations.

SUNRATE’s Approach: Building Intelligence Into Key Processes 

SUNRATE has long leveraged technology to strengthen the reliability and efficiency of its global payment capabilities. Tools such as optical character recognition (OCR) help digitise scanned documents, while broader AI models assist in detecting and reconciling inconsistencies in transactional information. 

Today, SUNRATE is taking this optimisation further with its own in-house AI agent, which acts as a unified knowledge hub for product, operational information and more. Employees across sales, operations, compliance, customer support and beyond can use it to: 

• Instantly check corridor availability and payment support

• Retrieve accurate, up-to-date product information

• Prepare pitches and client materials more efficiently

• Reduce the time spent searching for internal documents or clarifications

This ensures that every team is aligned with consistent, validated information—an essential requirement in the fast-moving world of cross-border payments. The result is not just increased productivity, but also stronger collaboration and improved customer experience. For businesses navigating cross-border challenges such as FX volatility, high fees, and slow settlement times, improved internal coordination directly contributes to better payment outcomes.

What This Means for Businesses 

The benefits of internal AI agents extend beyond internal teams—they translate into tangible advantages for businesses: 

• Faster, more reliable payment insights: Teams can deliver quicker responses to clients and partners with access to consistent data. 

• Improved compliance and risk management: AI can help enforce internal controls and reduce manual error, increasing trust in payment execution. 

• Enhanced strategic focus: By automating routine tasks, businesses can reallocate human talent to strategy, customer relationships and innovation. 

• Stronger global collaboration: A shared internal AI knowledge base reduces silos and improves cross-department and cross-region alignment. 

Looking Ahead: The Future of AI Inside SUNRATE 

In-house AI agents are quickly becoming a defining feature of modern financial institutions. From banks to regulatory bodies and professional services firms, businesses are embracing AI to strengthen their internal foundations—not just for external innovation. 

SUNRATE’s investment in internal AI capabilities reflects a broader vision: to build a high-performance environment where employees can deliver the best possible service, supported by intelligent tools. 

To get started and partner with a solutions provider that can help your business optimise payments and help you scale both locally and globally, open a SUNRATE account today or contact our sales team.