# Connect Customer AI Agents in

Our Agentic Transaction Control Layer (ATCL) gives banks and commerce organizations a secure, orchestrated way to identify, permission and route activity by customer AI agents and block unauthorized actions.

## Customer AI Agents Are Becoming a New Banking and Commerce Channel

Finance teams already use automation and AI inside accounting, ERP, treasury and operations environments. As those tools begin initiating activity on behalf of customers, organizations need a secure, governed way to receive, authorize and execute those requests.

Agentic connectivity is already shaping financial choices

Agent-led activity will provide a new revenue stream

Many are comfortable, even more so among current AI users

## Doing Nothing Pushes AI Agent Activity Outside Your Control

Customers will adopt AI agents whether organizations are ready or not. Without a governed path, that activity will move through side doors that you cannot monitor, control or monetize.

- Unmanaged access  
- Compliance risk  
- Lost visibility  
- Disintermediation

## Govern The Execution of Customer AI Agents

### The Client (Know Your Agent and Authorize Access)

Register the agent, verify its owner, define its purpose and connect it to the relevant customer relationship.

### The Agent (Execute Approved Tasks)

Limit the agent to approved actions, task-level permissions and machine-readable pathways.

### Bank or Commerce Provider (Orchestrated Guardrails)

Orchestrate workflows, apply approvals and limits, monitor activity, revoke access and preserve a complete audit trail.

## Start Safely. Expand as AI Agent Controls are Proven.

Banks and commerce providers do not need to begin with autonomous money movement. ATCL supports a measured path from visibility to controlled agent-initiated execution.

## FAQ: Agentic Transaction Control Layer (ATCL)

Learn more about how we help banks and commerce organizations validate, govern and document their customer's AI agents.

1. What is the difference between a Generative AI Chatbot and an AI Agent?  
2. What is agentic banking and commerce?  
3. Why do agents fail without an agentic control layer (ATCL)?  
4. What is OvationCXM's ATCL?