DOI: https://doi.org/10.36347/sjet.2026.v14i03.002

Pages: 137-142

The modern financial ecosystem is characterized by a "liquidity paradox": while digitization has accelerated transaction speeds, liquidity remains siloed across disparate asset classes such as equities, cryptocurrencies, and loyalty points. This fragmentation forces consumers to manually liquidate assets into fiat currency prior to transaction, creating friction, latency, and opportunity costs. This paper proposes the "Just-In-Time Liquidity Protocol" (JIT-LP), a novel neuro-symbolic architecture that decouples "value" from "currency" at the point of sale. By utilizing autonomous AI agents acting as fiduciaries for both payer and payee, the protocol negotiates the optimal composition of a payment in real-time, executing atomic swaps across ISO 20022 payment rails. I present the architectural design of the JIT-LP, detailing the interaction between edge-hosted Portfolio Agents and Treasury Agents. Furthermore, I introduce a Zero-Knowledge Proof (ZKP) mechanism for verifying solvency without compromising user asset privacy. Theoretical modeling suggests that JIT-LP can reduce consumer overdraft incidents by utilizing idle asset liquidity while offering merchants dynamic inventory-based discounting. This paradigm shift from static message exchange to agentic negotiation redefines the payment network as a real-time value optimization layer.