Pipe has announced the introduction of four artificial intelligence agents aimed at automating key operational tasks, with the goal of improving efficiency and supporting the company’s international expansion.
Operational automation
The fintech firm, which provides embedded capital products to small businesses, has deployed these AI agents to address specific operational challenges related to fraud and compliance, capital payment management, customer engagement, and finance operations. The introduction of these systems forms part of Pipe’s plan to scale efficiently without significantly increasing headcount.
The company is currently experiencing strong growth on its platform and is in the process of onboarding new technology partners while preparing to enter additional markets. Pipe anticipates that its new AI-driven architecture will help deliver financial solutions tailored to the needs of small businesses, as well as create value for both customers and employees.
According to Pipe, the new systems have already begun to shorten operational timeframes, with processes that previously took weeks now being completed in near real time. This increased speed is also designed to allow platform partners to bring their solutions to market faster, enabling small businesses to access capital more quickly and efficiently.
The four AI agents
The four agents introduced by Pipe are each focused on a specific aspect of the company’s operations:
- Fraud and Compliance Agent: This agent is intended to accelerate decision-making when a capital application requires further review. It analyses business data to distinguish between manual errors and actual compliance or fraud risks. Pipe expects that “up to 90 percent of SMB capital applicants will receive decisions on their application within minutes.”
- Recovery Agent: This agent is designed to manage the process of restarting payments with small businesses that have experienced failed debits. By researching the status of both the business and payment processors, it assists the payments team in determining the most appropriate course of action.
- Sales Agent: This agent provides continuous support to small businesses across time zones, helping applicants complete their requests for capital and re-engaging with those who have abandoned the process. Pipe describes this as a way to enhance user-friendliness and customer engagement.
- Treasury Agent: This agent analyses global cash positions and makes recommendations regarding investment decisions, capital capacity, and risk limits. The aim is to convert traditionally time-consuming treasury operations into near-instant insights and to help redeploy surplus cash to small businesses around the world.
Company perspective
“At Pipe, we’re focused on using AI where it actually drives better experiences and financial solutions for our partners, and the small businesses who finally have access to capital through their platforms,” said Claurelle Rakipovic, Chief Product Officer at Pipe. “Every agent we’ve built is replacing manual processes and delighting small businesses with new positive experiences. The goal is simple: move faster, scale smarter, and make the best financial solutions for small businesses that need it most.”
Pipe’s capital platform, which launched in 2023, utilises live revenue and transaction data to assess and determine offers. This approach does not rely on credit scores or personal guarantees, but instead on algorithmic underwriting. The company reports that it simulates hundreds of scenarios to optimise approval rates and funding amounts, stating that 98 percent of pre-approved businesses receive their promised funding.
Each function within the platform is developed with the objective of reducing time to value and removing friction, and is embedded into the software platforms that small businesses already use. Pipe describes the introduction of its new AI agents as extending automation from underwriting into servicing, insights, and more proactive financial support.
The launch of these AI agents follows Pipe’s recent acquisition of Glean.ai and aligns with its broader aim to provide small businesses around the world with access to financial solutions that were previously available only to larger enterprises. These offerings include capital, card and spend management solutions, payment experiences, and AI-powered spend insights.
“Pipe remains focused on being an AI-first fintech. Rather than layering AI onto old workflows, we’ve built core infrastructure to automate underwriting, payments, and compliance from the ground up,” said Rakipovic. “With each agent shipped, we’re collapsing what used to take weeks of ops into seconds, accelerating our scale 10x and providing better experiences for small businesses with more productive and efficient internal teams.”
