AI Agents

Context

Built for banking within the Trade Finance Invoice Factoring stack and used by Trade Finance teams, this agent focuses on a specific control point in subsidized or supported programs: making sure subsidy eligibility is applied at the invoice line-item level, not just on the invoice as a whole. It is triggered when an invoice is presented for financing under a scheme where only certain goods, services, or tax treatments qualify for subsidy or preferential terms.

What it does

The agent reads each invoice line—item description, category, quantities, prices, tax, and any coding already applied—and evaluates it against your eligibility rules for the subsidy or program. It distinguishes eligible from ineligible items on the same invoice, computes which portion of the total amount actually qualifies, and produces a structured breakdown that can be consumed by your trade finance system: eligible base, ineligible base, and any flags where classification is unclear. This ensures that only qualifying line items are financed on subsidized terms, while non-eligible items are either excluded or treated under standard conditions.

Core AI functions

The core capability is rules and reasoning at line-item level. The agent applies your documented eligibility criteria (by item type, HS code, sector, end-use, or other attributes) to each line, reasons over edge cases, and returns a consistent eligibility decision per line item. It focuses on turning what would otherwise be manual, subjective interpretation into a repeatable, machine-readable filter embedded in the trade finance flow.

Problem solved

Without this agent, line-item eligibility is often handled loosely or not at all: entire invoices are treated as eligible based on headline assumptions, and ineligible items end up financed under subsidized programs. That creates leakage against scheme rules, increases the risk of non-compliance with subsidy or support agreements, and makes it hard to demonstrate to auditors or sponsoring bodies that only qualifying activity was financed. The Line-Item Subsidy Filter closes that gap by enforcing eligibility where it actually matters—the individual invoice line.

Business impact

The direct impact is prevention of subsidy leakage. Only eligible items are financed on preferential terms, which protects the economics and integrity of the program, reduces the risk of clawbacks or findings from sponsors and regulators, and gives the bank a clearer, auditable story about how subsidy rules are applied in practice. For banks running high-volume invoice factoring or subsidized trade programs, this also reduces manual checking and rework on borderline or mixed invoices.

Integration and adjacent use cases

Integration complexity is low to medium: the agent needs access to invoice data at line level from your trade finance or factoring system and to the eligibility rule set for the subsidy or program, then writes its per-line eligibility flags and totals back into the same workflow.

Common combinations in this stack:

• Invoice Eligibility Validator to confirm invoice authenticity and overall eligibility before line-item checks;

• Supporting Documents Completeness (Trade) to validate purchase orders and delivery notes that support the invoice;

• Delivery Confirmation Verifier to confirm goods were actually delivered before subsidized financing is released;

• Supplier Contract & Identity Validator to check that the supplier contracts and counterparties themselves meet program and risk criteria; and

• Trade Finance Exception Handler to catch unclear or conflicting cases across these checks and route them to specialists with a consolidated view of red flags and suggested next steps.