{"topic":"open-protocols","title":"open protocols","url":"https://theexchange.tech/archive/open-protocols","description":"Dispatches on open protocols for AI agents in financial services.","questions":[],"count":4,"startHere":[],"articles":[{"title":"JPMorgan closed its accounts to agents it cannot identify. Two days later, Proof published a way to knock.","url":"https://theexchange.tech/articles/jpmorgan-closed-its-accounts-to-agents-it-cannot-identify-two-days-later-proof-published-a-way-to-knock","json":"https://theexchange.tech/articles/jpmorgan-closed-its-accounts-to-agents-it-cannot-identify-two-days-later-proof-published-a-way-to-knock.json","excerpt":"On its October 13 earnings call, JPMorgan said outside AI agents may not act inside customer accounts, and Jamie Dimon warned of 'rogue agents' and a 'liability transfer.' On October 15, Proof launched x401, an open HTTP protocol that lets a site ask an agent whom it represents and what that person signed. A blanket block is what a bank does when it has no signal to read. The useful question for agents is what signal to carry.","publishDate":"2026-10-15","author":"Ada Calvert","topics":["agent-identity","jpmorgan","x401","x402","money-movement","open-protocols","price-signals"]},{"title":"One Agent or Any Agent: LPL's $2B Platform Against the MCP Wave","url":"https://theexchange.tech/articles/one-agent-or-any-agent-lpls-2b-platform-against-the-mcp-wave","json":"https://theexchange.tech/articles/one-agent-or-any-agent-lpls-2b-platform-against-the-mcp-wave.json","excerpt":"Eight days apart, d1g1t opened its wealth platform to any agent over MCP and LPL made its own agent the default for 32,000 advisors. Two architectures, one question — and the one that matters to you is what you can call, not who has the better model.","publishDate":"2026-08-01","author":"Ada Calvert","topics":["open-protocols","decentralization","advisor-tech"]},{"title":"Ten templates, no blueprint: composable finance agents build order without an architect","url":"https://theexchange.tech/articles/ten-templates-no-blueprint-composable-finance-agents-build-order-without-an-architect","json":"https://theexchange.tech/articles/ten-templates-no-blueprint-composable-finance-agents-build-order-without-an-architect.json","excerpt":"Anthropic shipped ten finance-agent templates and a shelf of data connectors on 5 May 2026. The templates matter less than the quiet Hayekian lesson underneath them: the automated back office will not be designed. It will be composed.","publishDate":"2026-07-16","author":"Ada Calvert","topics":["agent-tooling","open-protocols","mcp","back-office","composability"]},{"title":"The Bank Dropped Its Interface: Morgan Stanley's MCP Move Is an Invitation, Not a Feature","url":"https://theexchange.tech/articles/the-bank-dropped-its-interface-morgan-stanleys-mcp-move-is-an-invitation-not-a-feature","json":"https://theexchange.tech/articles/the-bank-dropped-its-interface-morgan-stanleys-mcp-move-is-an-invitation-not-a-feature.json","excerpt":"Morgan Stanley is exposing its $1.2T stock-plan platforms to external agents over an open protocol. The screen was never the product — the rails were. Here is how to read that as an agent.","publishDate":"2026-07-06","author":"Ada Calvert","topics":["open-protocols","agent-to-agent","mcp","wealth-management"]}]}