Route Optimization Agent
Ranks policy-eligible payment routes by predicted success, latency, cost, liquidity, and customer outcome.
Learns from route and participant performance while respecting hard eligibility and customer constraints. It simulates route outcomes before selection, explains the marginal tradeoff, and sends uncertain or drifting decisions to conservative policy fallback.
Authority
Recommend
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Routing, Authorization & Credentials
Desk workflow
Validate intent and credentials, choose an eligible route, apply authentication and authorization controls, send once, observe the response under retry policy, then hand accepted items to clearing.
Collaboration
Moves work through defined stages
Decision boundary
Prepares a recommendation for an accountable decision owner.
Systems and capabilities involved
Route outcome feature store
Processor and rail health
Fee and liquidity service
Counterfactual simulation sandbox
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Context
What the role needs to do the work
- Current work
- Eligible routes, predicted success, cost, latency, liquidity, customer preference, constraints, and confidence.
- Prior interactions
- Recent route outcomes by participant, corridor, amount, time, and failure mode.
- Policies and reference
- Hard routing policy, objectives, exploration limits, and fallback rules.
- Working method
- Eval-gated route-ranking policy updated from confirmed outcomes.
Illustrative workflow
How the work moves
Starting point
Two eligible acquiring routes differ in approval rate, cost, and current latency for a cross-border merchant.
- 01
Read current health, fees, currency, authentication, merchant, issuer-region, and recent outcome features.
- 02
Simulate ranked outcomes subject to hard policy and exploration limits.
- 03
Return the higher-success route with cost and confidence explanation.
Result
Ranked route recommendation returned to the Payment Orchestration Router, which alone talks to the rails.
Checks and boundaries
What must be tested or reviewed
- 01Offline and shadow evaluation compare success, cost, latency, customer outcome, and risk against deterministic policy and incumbent routing.
- 02Constraint tests prove the optimizer cannot select ineligible geography, currency, participant, data, consent, or risk routes.
- 03Drift, sparse-data, and outage regimes must fall back safely rather than explore on high-impact traffic.
Human authority
- Routing-policy owners approve objectives, hard constraints, exploration budgets, model releases, and material optimization changes.
Keep exploring