How Qonto delegates financial admin for small businesses with Claude on Amazon Bedrock

More than 600,000 businesses across eight European markets run their banking and bookkeeping on Qonto. In late 2025, its 15-person AI Lab built agents into the app to take over the repetitive parts of that work: preparing payroll transfers, drafting invoices, answering questions about the numbers. The agents' most complex work runs on Claude.

With Claude, Qonto:

• Sends bank transfers 2X faster, with no manual beneficiary search, amount entry, or reference copying, then waits for the customer's final approval before the money moves
• Cuts client invoice creation time 3X, with its AI agents drafting every invoice and the customer confirming before it's sent
• Runs payroll 5X quicker: agents prepare every pay slip, the customer approves before anything sends, and a 15-to-20-slip run becomes one drag-and-drop bulk transfer
• Sees customers delegate transfers as large as €100,000 to Qonto AI agents, with the final approval always theirs by design
• Generated one customer's 500-plus monthly invoices in a single batch