BNPL instant instalment decision
Checkout instalment decision in seconds from bureau and open-banking data; large tickets go to underwriting.
BNPL instant instalment decision is an agent scenario in the Fintech & Payments sector running on the api, app, sms channels. Trigger: "Pay in 3 instalments" selected at checkout (API). The Credit Decision Supervisor coordinates 4 specialist agents (Intake Agent, Bureau Agent, Decision Agent, Booking Agent) across 5 systems (Merchant Checkout API, Credit Bureau (KKB / Findeks), Open Banking API, Core Ledger, SMS Gateway); of 10 steps, 1 write to systems and 2 are checks or approvals. Outcome: Instalment plan posted to the ledger, merchant payout committed, customer informed. Approval rule: Basket > 15,000 or bureau score < 1,200 → underwriter approval.
BNPL instant instalment decision
- Basket 18,750, 3-instalment request; customer E.Y., device and email known
- Basket and merchant data pulled: MCC 5732, merchant chargeback rate 0.4%
- Plan: bureau score → open banking → affordability → policy → booking
- Bureau score 1,480, 2 open loans, no delinquency, 1 enquiry in 30 days
- Open banking: 3-month average income 62,000, free monthly cash flow 14,200
- Policy v3.0: instalment 6,250 ≤ 50% of free cash → eligible, above the 15,000 limit
- Decision explanation generated: 3 × 6,250, 0% interest, first instalment today
- Amount > 15,000 → underwriter approved within 90 seconds
- Instalment plan #BN-204118 posted to the ledger, T+1 merchant payout committed
- SMS to customer: plan summary and due dates (8 Sep, 8 Oct, 8 Nov)
- ■completed
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
"Pay in 3 instalments" selected at checkout (API)
Instalment plan posted to the ledger, merchant payout committed, customer informed
Agents
Credit Decision Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Intake Agent
Checks basket, customer and fraud signals
get_checkoutget_customercheck_fraud_signalsBureau Agent
Pulls the bureau score and open-banking cash flow
get_bureau_scorefetch_open_bankingcompute_affordabilityDecision Agent
Decides and sets the limit from affordability and policy
apply_credit_policyset_instalment_planexplain_decisionBooking Agent
Posts the plan to the ledger, notifies merchant and customer
post_journalconfirm_merchant_payoutsend_smsSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Credit Decision Supervisor | Basket 18,750, 3-instalment request; customer E.Y., device and email known | — | 160 | — |
| 02 | tool | Intake Agent | Basket and merchant data pulled: MCC 5732, merchant chargeback rate 0.4% | Merchant Checkout API | 320 | — |
| 03 | plan | Credit Decision Supervisor | Plan: bureau score → open banking → affordability → policy → booking | — | 260 | 190 |
| 04 | tool | Bureau Agent | Bureau score 1,480, 2 open loans, no delinquency, 1 enquiry in 30 days | Credit Bureau (KKB / Findeks) | 440 | — |
| 05 | tool | Bureau Agent | Open banking: 3-month average income 62,000, free monthly cash flow 14,200 | Open Banking API | 680 | — |
| 06 | verify | Decision Agent | Policy v3.0: instalment 6,250 ≤ 50% of free cash → eligible, above the 15,000 limit | — | 580 | 640 |
| 07 | reason | Decision Agent | Decision explanation generated: 3 × 6,250, 0% interest, first instalment today | — | 420 | 380 |
| 08 | approval | Credit Decision Supervisor | Amount > 15,000 → underwriter approved within 90 seconds | — | 2,200 | — |
| 09 | write | Booking Agent | Instalment plan #BN-204118 posted to the ledger, T+1 merchant payout committed | Core Ledger | 480 | — |
| 10 | notify | Booking Agent | SMS to customer: plan summary and due dates (8 Sep, 8 Oct, 8 Nov) | SMS Gateway | 220 | — |
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- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis