UK-based Banking-as-a-Service firm Griffin has taken a bold step toward integrating artificial intelligence into banking operations by opening access to a Model Context Protocol (MCP) server. This new infrastructure allows AI agents to autonomously perform complex financial tasks on behalf of users, marking a foundational move toward what Griffin calls a “massive technological platform shift.”
Griffin, which received its full banking license in March 2024, says this is just the beginning of a future where people increasingly delegate their financial work to intelligent agents. While current examples of AI-driven finance are largely limited to small-scale experiments, such as agents buying a coffee, Griffin believes the real transformation is yet to come—and it requires reengineering the financial system to support agent-led autonomy while maintaining safeguards.
The bank envisions a future where AI agents could handle everything from wealth management to full-spectrum transactional services and payment administration. The MCP server, now available in beta within a sandbox environment, enables agents to open accounts, initiate payments, and analyse historical financial activity. Developers are already using the platform to build complete fintech app prototypes directly on Griffin’s API.
“This is early for us,” the bank states, “but it shows the power of what’s possible.” Griffin is inviting input from customers and developers to refine the platform, with an eye toward deploying it in live production environments in the near future.
The move positions Griffin as a pioneer in the growing field of agentic finance, potentially reshaping how consumers and businesses interact with banking infrastructure through intelligent, automated agents.