美国银行业在 AI 智能体接入上出现分化
大银行封杀智能体，小银行抢着给智能体开户，Cross River 3个月就跑出4000万美元交易，这个分化趋势很值得看。
大型银行包括 JPMorgan、Citi、Bank of America、Morgan Stanley 和 Wells Fargo 正在阻止或限制外部 AI 智能体接入账户。小型银行则反其道而行，Lead Bank 给智能体分配独立账户号码，支持 ACH 和电汇转账，但需在客户设定的额度内并支持即时锁定。Cross River Bank 数据显示，3 个月内智能体通过 agent card 完成超过 20 万笔交易，金额超过 4000 万美元，其中航空机票是最大消费类别。
The information: US banking is splitting on AI agents, with JPMorgan, Citi, Bank of America, Morgan Stanley and Wells Fargo blocking or restricting outside agents while smaller banks build accounts designed for them.
Cross River Bank reports more than $40M in agent card payments across over 200K transactions in 3 months, with airlines as the top spending category.
Lead Bank gives agents their own account numbers that can move money by ACH and wire, but only within customer-set limits and with an instant lockout.
- MDEC08:23原文
