JPMorgan has 5 dated AI-agent moves on the record, from Feb 13, 2026 to Oct 13, 2026, and 5 agent use cases on its profile, 3 in production (LLM Suite and agentic workflows, AI in model risk management and the 10-K risk factor and Blocking outside AI agents that use customer credentials). The latest move, on Oct 13, 2026: Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Banking Dive). Each row below is the bank's own dated entry with the stage it describes and its source; the strategy, numbers, leaders and regulators are on JPMorgan's AI strategy page, and the same rows sit in date order with every other bank on the tracker.
What AI agents does JPMorgan run, and at what stage?
JPMorgan's profile records 3 agent use cases in production: LLM Suite and agentic workflows, AI in model risk management and the 10-K risk factor and Blocking outside AI agents that use customer credentials. 2 more are at pilot, rollout or announcement stage.
- In production
LLM Suite and agentic workflows
Firm-wide gen-AI platform; agents in production for software testing, private-banking research screening and payments; long-running agents planned for 2026.
- In production
AI in model risk management and the 10-K risk factor
Models 'including those based upon machine learning or artificial intelligence techniques' sit inside estimations and model risk management; the 10-K names generative and agentic AI failures, bias, transparency and evolving AI law as risks.
- In production
Blocking outside AI agents that use customer credentials
The bank does not let third parties log in with customers' credentials, so outside agents can at most read data through open-banking connectors and cannot move money; no timeline for direct agent access.
- Pilot
AI investing agents (research)
Research built multi-agent systems that beat a 60/40 portfolio in two-decade backtests — a research result, not a product.
- Pilot
Agentic commerce for merchants (Mirakl Nexus)
J.P. Morgan Payments supplies payment processing, tokenization for AI agent transactions and fraud protection while Mirakl Nexus lets AI agents discover merchants' catalogues, pricing and inventory; in beta with select retailers in March 2026, with a broader release planned later in the year.
What has JPMorgan announced about AI agents, and when?
Oct 20261 move
Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 millionPolicy
Dimon says the bank will not let outside agents operate inside accounts and warns of a 'liability transfer' to customers who use them; the Smart Cash pilot is under way; Barnum puts annual AI spend nearer $700 million than the $2 billion cited a year earlier, calls that figure stale and says AI benefits are not yet visible in results.
Sep 20261 move
Joins Nvidia-led push for open-source AI agent safety toolsAnnounced
JPMorgan signs on to a shared, open-source safety effort for AI agents led by Nvidia, as the industry works out how to give agents more autonomy without losing control.
May 20261 move
CIO: early AI tools lift productivity up to 30%In production
Beer tells Bloomberg TV agentic AI promises more, while the bank races to contain new risks.
Mar 20261 move
J.P. Morgan Payments partners with Mirakl on agentic commercePilot
J.P. Morgan Payments integrates Mirakl Nexus, Mirakl's agentic commerce platform, into its payments infrastructure so AI agents can discover, evaluate and buy products on consumers' behalf: Mirakl handles product discovery, the order lifecycle and marketplace orchestration, while J.P. Morgan Payments provides payment processing, tokenization for AI agent transactions and fraud protection. American Banker reported the companies were beta testing with select retailers, with a broader release planned later in 2026.
Feb 20261 move
2025 10-K adds a generative and agentic AI risk factorIn production
The annual report lists AI system failures, biased or inaccurate output, agentic systems acting on sensitive data, AI-enabled cyber threats, evolving AI law and AI-driven workforce displacement as risks.
What has been reported about JPMorgan's agents?
In the daily brief:
- Five largest US banks are blocking external AI agents, American Banker reports · Oct 28, 2026
- Banks restrict third-party AI agents' access to customer accounts · Oct 23, 2026
- FDIC's Hill says agentic AI deposit impact is an open question · Oct 22, 2026
- Citi and Bank of America restrict AI agents' access to customer accounts · Oct 19, 2026
- JPMorgan Blocks Outside AI Agents From Retail Customer Accounts, Dimon Says · Oct 14, 2026
Headlines from the JPMorgan news stream, publisher and date only:
- JPMorgan Is Blocking Outside AI Agents and Taking Its Deposit Token to Ethereum. Here’s What Both Moves Protect
finance.yahoo.com · Oct 22, 2026
- Schwab and JPMorgan Block Unauthorized AI Agents from Moving Money as Private Ordering Reaches Financial Core
finance.yahoo.com · Oct 17, 2026
- JPMorgan Blocks Outside AI Agents From Customer Accounts
finance.yahoo.com · Oct 16, 2026
- ‘You don’t want rogue agents’: Jamie Dimon bars outside AI agents like Meta’s Muse from JPMorgan accounts
fortune.com · Oct 15, 2026
- JPMorgan Chase blocks outside AI agents, limiting what Muse can do for users
finance.yahoo.com · Oct 15, 2026
- JPMorgan Chase Restricts External AI Agents From Directly Accessing Customer Bank Accounts
crowdfundinsider.com · Oct 15, 2026
- JPMorgan Chase blocks outside AI agents from directly accessing customer accounts
finextra.com · Oct 15, 2026
- JPMorgan Chase is keeping AI agents out.
on.theverge.com · Oct 14, 2026
- JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts
cnbc.com · Oct 13, 2026
What AI agents does JPMorgan have in production?
JPMorgan's profile records 3 agent use cases in production: LLM Suite and agentic workflows, AI in model risk management and the 10-K risk factor and Blocking outside AI agents that use customer credentials. 2 more are at pilot, rollout or announcement stage.
What has JPMorgan announced about AI agents, and when?
5 dated moves from Feb 13, 2026 to Oct 13, 2026: 2 describe an agent in production, 0 a rollout, 1 a pilot and 1 an announcement. The latest, on Oct 13, 2026: Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Banking Dive).
Where does this timeline come from?
From JPMorgan Chase's profile on this site, which dates each move and cites its source; the build checks every link. The stage is the one the bank describes, and nothing here is written by a model. The profile is refreshed on a biweekly routine; the record last changed on Oct 26, 2026.
Other banks with an agent timeline:
When JPMorgan puts an agent into production, you'll read it the next morning.
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