XYENA
Multi-agent supply-chain finance for small businesses. It checks whether a receivable is genuine and financeable, then an independent Guardian decides whether the action the AI proposes is allowed to run.
Small businesses wait 30 to 90 days to be paid. And an authenticated AI agent can still act unsafely: a technically valid transaction is not the same as a legitimate one.
Eleven agents, one of them allowed to say no
Gather evidence
Intake, Business, Invoice, Delivery and Payment agents collect what proves a receivable is real, each producing a signed evidence receipt.
Judge
Fraud and Credit agents score the case. The Decision Orchestrator proposes how much to finance.
Guard
The Guardian reviews the proposed action and returns one of five verdicts: Allow, Constrain, Verify, Block or Escalate.
Fund and watch
The Funding agent executes only what was authorised. Monitoring follows the receivable afterwards.
The rules it runs on
- Agents
- 11
- Guardian verdicts
- Allow, Constrain, Verify, Block, Escalate
- Financing limit
- the lowest of company capacity, 70% of the verified receivable, and policy limits
- Authorisations
- single-use, bound to a hash of the exact action
- External systems
- bank, ledger, GST, ERP and funder, over MCP
- Commits
- 52 in two days
XYENA runs on synthetic data and is not a licensed financial system.
Decisions I would defend in an interview
The checker is independent
The Guardian is a separate layer from the agents that propose actions, so a persuasive agent cannot approve itself.
Approval is for one exact action
Each authorisation is single-use and bound to a hash of the action it approves. Change the amount and the approval is void.
Evidence is signed
Every agent hands on a signed receipt, so a decision can be traced to what each agent actually saw.
Tenants are isolated in the database
PostgreSQL row-level security separates businesses, and a transactional outbox keeps events consistent with the data.
Built with
- Core
- Python, PostgreSQL with pgvector and row-level security
- Messaging
- Server-Sent Events, transactional outbox
- Integration
- Model Context Protocol servers for the demo bank, ledger, GST, ERP and funder
- Packaging
- Containers