Get a morning summary of your T-Bank accounts right in chat

The agent calls the T-Bank Business open API: first it identifies the company by its details, then pulls the list of settlement accounts and reads the statement for them. Out of that come morning balances, yesterday's incoming and outgoing payments, a breakdown of operations by counterparty, a reconciliation of the statement against 1C entries and a weekly cash-gap forecast built from balances, expected receipts and mandatory payments.

The API returns a statement in portions by account and period rather than in one slice, so the agent assembles a long report from parts and stitches them into a single run of operations without losing day boundaries. The second limit is history depth: the API returns operations from June 2023 onwards, so the agent builds no year-over-year comparison with earlier periods and names that boundary honestly instead of guessing past it.

The agent can prepare a payment order if the granted rights allow it: it assembles the details, the amount and the purpose and shows you the document. Signing and sending stay in the bank — no money moves anywhere without your confirmation. Everything else happens read-only: summaries, reconciliations and forecasts change nothing in the account, and data is read on demand rather than exported wholesale.

The connection runs as a sign-in to the internet bank: you log in at business.tbank.ru and access is granted without copying any tokens. The access token is short-lived and is refreshed automatically, so a recurring morning summary does not break off in the middle of the month. The agent re-reads the list of accounts before every run rather than memorising it once. If there is no data for the period or the rights fall short, the agent says so directly instead of showing an empty table.