Citigroup 等美国三大银行禁止第三方 AI 智能体登录客户账户
花旗、美银、摩根大通都开始封杀第三方 AI 智能体进银行账户，背后的存款流失账算出来挺吓人的。
据 Financial Times 报道，Citigroup 已禁止第三方 AI 智能体登录客户账户或在数字银行平台内转移资金。Bank of America 采取了类似限制，JPMorgan Chase 也在收紧外部 AI 智能体的访问，Jamie Dimon 此前警告可能有数千个“流氓智能体”在银行内部运作。核心担忧在于存款流失：智能体比价后可能把约 0.1% 利率的活期存款转入 3.3% 到 5% 的金融科技账户。JPMorgan、Bank of America 和 Wells Fargo 合计持有 1.6 万亿美元无息存款，若支付 3% 利息每年成本约 470 亿美元，接近三家合计年利润的一半。
Citigroup now bars third-party AI agents from logging into customer accounts or moving money inside its digital banking platforms, according to the Financial Times.
Bank of America has imposed similar limits, joining JPMorgan Chase, which is restricting outside AI agents after Jamie Dimon warned that thousands of “rogue agents” could otherwise operate inside the bank.
The deeper threat is to bank funding, since agents comparing rates could move cash from checking accounts paying about 0.1% into fintech accounts paying 3.3% to 5%.
JPMorgan, Bank of America and Wells Fargo hold $1.6T in non-interest deposits, and paying 3% on that money would cost $47B a year, close to half their combined annual earnings.
- Decoder10-15 15:27原文
