Pipe Unveils New AI Agents To Support Platform’s Rapid Growth and Scale

Pipe AI Agents are reshaping small business finance by automating fraud detection, treasury analysis, and customer operations. With this embedded capital platform, Pipe makes things easier and lets businesses grow faster without needing more employees. This makes AI in embedded finance the new industry standard.

Pipe, a fintech company offering embedded capital products to small businesses, introduced four advanced AI agents designed to automate key operational tasks, reduce complexity, and support rapid scale without significant headcount growth. These agents tackle critical challenges in fraud and compliance, capital payment management, customer engagement, and finance operations. Pipe is forecasting strong platform growth, currently onboarding major new tech partners and preparing to launch in new geographies. With these agents, Pipe expects to scale exponentially without additional headcount.

Pipe’s new agent-based architecture is helping rewire the scale and value it can provide to its customers and internal teams, shifting from a resource-constrained model to a software-driven platform. This enables Pipe to offer a best-in-class suite of financial solutions tailored to small business needs. These systems are already compressing weeks of human operations into near-instant workflows, enabling platform partners to launch faster and provide small businesses with quicker, more seamless access to capital.

Today Pipe is introducing three new AI Agents:

• Fraud and Compliance Agent: Accelerates capital decisions when an application is flagged for further review, rapidly analyzing business data to differentiate between manual data errors and genuine compliance or fraud risks, dramatically shortening response times. Pipe expects up to 90 percent of SMB capital applicants will receive decisions on their application within minutes.

• Recovery Agent: Streamlines the manual process of restarting payments with small businesses who have failed debits, doing deep research on the status of business operations and payment processors. This enables the payments team to deliver high-value customer interactions with an AI co-pilot guiding the most appropriate course of action.

• Sales Agent: Delivers around-the-clock support across all geos and timezones to small businesses applying for capital and proactively engages with businesses that abandoned an application. The sales agent makes the process of completing applications and accessing capital even more user friendly

• Treasury Agent: Provides recommendations between investment decisions and the portfolio of cash across our global operations to maximize capital capacity while preserving risk limits. The treasury agent is a real-time liquidity radar and assistant that turns hours of spreadsheet and external treasury system reviews into instant insights by continuously scanning global cash positions, securitization vehicles, macro events, and cash management policies. It flags and directs actions on surplus cash that can be redeployed directly to small businesses globally.

“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,” said Claurelle Rakipovic, Chief Product Officer at Pipe. “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.”

Pipe has been AI-native from the start, designed to meet the day-to-day financial needs of small businesses with a much-needed embedded financial operating system. Its capital platform, launched in 2023, already uses live revenue and transaction data, not credit scores or personal guarantees, to algorithmically underwrite and optimize offers.

Before showing a single offer, Pipe runs hundreds of simulations to maximize approval rates and advance amounts, with 98% of pre-approved businesses getting the promised funding. Every capability is designed to compress time-to-value and remove friction at scale, embedded inside the platforms small businesses already use. Our new generation of AI agents builds on this foundation, extending automation beyond underwriting into servicing, insights, and proactive financial support.

This launch builds on momentum from Pipe’s recent acquisition of Glean.ai and supports its broader vision: giving small businesses globally access to financial solutions that historically only scaled enterprises could access. That includes smart capital, card and spend management solutions, intuitive payment experiences, and AI-powered spend insights.

“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,” said Rakipovic. “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.”