With a single claim on a new artificial intelligence (AI) platform,
City
Employees around the world can now uncover market insights, analyze customer strategies, and even translate them across languages.
The enhanced version of Citi Stylus Workspaces, Citi’s AI platform, launched in September 2025, featuring an upgrade that is now powered by agent AI.
The latest version is integrated with select Citi systems, allowing employees to complete tasks more efficiently.
Agent Mode in Citi Stylus Workspaces also launched that same month, and it compresses several manual steps. It has already been piloted by 5,000 users globally and will be rolled out to all employees in the coming months.
“We firmly believe that to be competitive in the digital age, we must be an AI-first workforce,” says Payal Jain, head of applications and platform engineering at Citi.
Citi was one of the first global banks to introduce AI tools internally in 2024, helping employees summarize documents, craft presentations and automate administrative tasks.
The bank has used AI for tasks such as fraud detection for more than a decade – all part of its broader transformation strategy.
To accelerate software development, Citi leveraged tools like GitHub Copilot and Cognition’s Devin, as well as the bank’s own Citi Squad.
As of Q3 2025, Citi developers have completed more than 1 million automated code reviews and handled routine tasks like version and documentation upgrades, creating an estimated capacity of 100,000 hours per week and freeing engineers to focus on innovation.
Citi’s AI platform supports employees in daily work, simplifying tasks such as research, analysis and communication.
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Today, more than 180,000 employees in 83 countries and jurisdictions use Citi AI tools daily, supported by a robust governance framework.
The bank’s ethical AI principles, implemented in 2019, guide all use.
Citi is also adopting a human-in-the-loop model when leveraging Citi AI tools to ensure accountability.
“We have created channels for colleagues to share what is working and what they need,” says Ms. Jain. “This feedback loop is crucial to the development of our tools.” “Our success depends on empowering people with intuitive tools and fostering an AI-ready culture.”
Currently, more than 4,000 colleagues serve as AI champions and accelerators, driving adoption and providing real-time feedback.
There are also mandatory training courses, such as “Ask Smart Questions – Prompt Like a Pro,” and continuous development programmes, says Ms Jain.
“By putting AI in the hands of our people and ensuring they have the skills to use the tools effectively, we are making Citi more productive, agile and customer-focused,” she adds.
“We will continue to evolve, taking advantage of technological advances and meeting the needs of our employees, customers and the industry.”
Along with artificial intelligence, tokenization is another force reshaping the financial landscape. Citi has taken advantage of this advantage to significantly enhance its core services, such as cash management, using blockchain technology.
City Token services
which allows tokenization across asset classes. Coding refers to the process of converting an item of value into a digital code.
“Citi Token Services facilitates in-house tokenized liquidity transfers and payments, enabling clients to move funds around our network, across borders, in real-time, 24/7,” explains Ms. Ryan Rogge, Global Head of Digital Assets for Treasury and Trading Solutions.
She adds that the platform integrates seamlessly with existing Citi products, so customers do not need to adopt new systems.
Through its token services, Citi clients can make cross-border payments in real time.
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Leveraged on a permissioned private blockchain, Citi Token Services for Cash will launch in 2024 and allows customers to move funds 24/7 across Singapore, Hong Kong, the US and the UK, eliminating cut-off times and settlement delays.
For example, during Chinese New Year this year, a customer was able to transfer money between Singapore and the US while local markets were closed.
In another example, a multinational electronics company used the service to invest excess liquidity in US financial markets after the Asian shutdown.
“These are real-world examples of programmable payments and instant liquidity,” Ms. Rogge points out.
In Singapore, Citi is a key participant in the Monetary Authority of Singapore’s Guardian Project, a collaborative initiative between policymakers and the financial industry that aims to enhance the liquidity and efficiency of financial markets through asset tokenization.
Several industry trials have been conducted under the project across asset management, wealth, fixed income and foreign exchange (FX).
In 2025, Citi and Swift demonstrated the feasibility of settling payments between fiat and digital currencies, following successful trials of their pay-to-pay settlement workflow.
Experiments have demonstrated a powerful hybrid model of interoperability between traditional financial systems and distributed ledger technology networks.
“We are proceeding with appropriate caution in this area,” says Zhou Haiping, global head of digital assets markets at Citi.
“Our strategy is to pursue opportunities that have technological and regulatory clarity, combined with customer demand and within our risk capabilities.”
There was another pilot project in 2024, when Citi and Fidelity International announced the proof of concept of an on-chain money market fund with a digital FX swap solution, which demonstrated real-time settlement and improved treasury efficiency.
“This innovation could open up potential opportunities to address broader goals, such as portfolio diversification and risk management,” adds Zhou.
Learn how innovations at Citi are building a new operating model for finance.
