国际清算银行：支付系统中用于现金管理的AI代理（英文版）

Using prompt-based experiments with ChatGPT’s reasoning model, we evaluate whether a generative artificial intelligence (AI) agent can perform high-level intraday liquidity management in a wholesale payment system. We simulate payment scenarios with liquidity shocks and competing priorities to test the agent’s ability to maintain precautionary liquidity buffers, dynamically prioritize payments under tight constraints, and optimize the trade-off between settlement speed and liquidity usage. Ou