Pipe, a FinTech company specialising in embedded capital products for small businesses, has launched four new AI agents aimed at automating key operational workflows and accelerating its global expansion.
The launch is part of Pipe’s broader strategy to support its rapid platform growth and scale without increasing headcount. The company is onboarding major technology partners and preparing to expand into new markets, making automation a crucial enabler.
Founded with an AI-native approach, Pipe provides an embedded financial operating system for small businesses. Its capital platform, introduced in 2023, eliminates traditional credit score assessments and personal guarantees, instead leveraging live revenue and transaction data to underwrite and optimise capital offers.
The new AI agents are designed to streamline tasks across fraud detection, compliance, customer engagement, payments, and treasury operations. This allows Pipe to compress processes that typically take days or weeks into near-instant outcomes, enhancing partner and customer experiences.
The four agents include:
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Fraud and Compliance Agent, which reviews flagged applications using business data to distinguish genuine risk from input errors, allowing up to 90% of applicants to receive decisions in minutes.
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Recovery Agent, which analyses business operations and payment statuses to guide the most effective strategy for resuming payments.
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Sales Agent, which supports applicants around the clock and re-engages businesses that abandoned applications.
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Treasury Agent, which provides real-time liquidity insights by monitoring global cash positions and macroeconomic indicators to guide investment and capital deployment decisions.
These agents not only improve decision-making speed but also help Pipe deliver scalable, embedded financial solutions to underserved small businesses globally. The new tools build on Pipe’s acquisition of Glean.ai and extend its reach beyond underwriting into servicing, insights, and proactive support.
Pipe chief product officer Claurelle Rakipovic said, “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. 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.”
Rakipovic added, “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. 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.”
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