For payments consultants and advisory teams. A proposed agent that drafts diligence packs, benchmarking and regulatory-impact memos from a moderated knowledge base — every claim cited. It does the first pass so the senior’s time goes to judgement, not to gathering. The consultant still verifies and owns the advice.
This agent is part of a proposed roster of four role agents for payments executives and consulting teams. It is scoped here so partners can pressure-test the brief before any of it is built. The one agent that is live today is the research & regulatory-watch agent — the editorial engine that keeps the knowledge base these role agents would read from current and human-moderated.
Payments advisory work runs on diligence, benchmarking and regulatory-impact memos — structured, evidence-heavy outputs where the gathering is laborious and the judgement is what the client pays for. Juniors spend days assembling what a senior then interprets.
The consulting analyst is a proposed agent that does the gathering half. It reasons over the pay.2nth.ai tree to draft a diligence pack, a benchmarking view or a regulatory-impact memo — structured, sourced and cited. It produces the first pass. The consultant verifies every claim, applies the judgement, and owns the advice that reaches the client.
The agent is a thin reasoning layer over a thick, moderated knowledge base. It does not free-associate; it retrieves expert-approved leaves, reasons over them, cites the source, and hands a draft to a human.
// Consulting analyst — first pass, fully cited, always verified 1. ASK “Draft a regulatory-impact memo on PSD3 for an EU-facing PSP client.” 2. RETRIEVE pull regions/europe, compliance/, the relevant rails and modes leaves 3. DRAFT structured memo: what changes, who it touches, the impact, the open questions — every claim cited 4. FLAG mark assumptions, gaps and anything needing a human or client-specific input 5. VERIFY the consultant checks each cited source, applies judgement, and signs the advice. The agent never does.
Running diligence, market studies and regulatory-impact work who want the gathering compressed so the time goes to judgement.
Tasked with the first-pass deck or memo who need a structured, cited starting point instead of a blank page.
Smaller teams without a research bench who still need defensible, sourced evidence behind a recommendation.
First-pass diligence packs on a target’s payments model, rails exposure and regulatory footprint — structured and sourced.
Comparative views across rails, markets or competitor models, framed on the dimensions that matter, with sources cited.
What a directive or standard change means for a client — who it touches, the impact, the open questions — as a verifiable draft.
Structured landscapes of a market’s rails, schemes and regulators, drawn from the regions tree.
Every leaf in this surface — modes, rails, regions, compliance, training — is the agent’s primary context. It reasons over expert-approved content, not the open web.
Each leaf carries a named reviewer and a review date. The agent inherits that provenance: it can only stand on content a domain-expert partner has signed off.
Regulator directives, scheme bulletins and standards bodies are cited inline. The agent surfaces the source so the human can check it — never “trust me”.
The analyst draws on modes, rails, regions and compliance leaves — every output traceable to expert-approved, cited content.
The analyst’s output looks finished — that is the danger. A cited, well-structured memo is still a draft until a human has checked it. The lines for advisory work:
A draft going to a client carries the firm’s name and liability. The consultant checks every cited claim and owns the advice; the agent’s draft is never the deliverable.
A model can cite a real source and still misread it. Verifying that the source says what the memo claims is the consultant’s job, not the agent’s.
Impact memos turn on what a rule means. The agent assembles the facts; a qualified human interprets them into advice.
Confidential client material belongs under the platform’s policy and audit controls — and, where residency demands, on local models — not pasted into a public edge endpoint.
Reach for it to collapse the first 60–70% of an analysis — the structure, the evidence, the citations — so the senior’s scarce time goes to interpretation and the client conversation, not to assembling slides. On a moderated tree, that first pass starts from sourced content rather than the open web.
Do not ship its output as advice. Every claim must be verified against its source and every judgement must be a human’s before anything reaches a client. The cost of being wrong is the firm’s credibility and, in regulated work, its liability — so verification is not optional polish, it is the work.