Beyond Task Success: Measuring Workflow Fidelity in LLM-Based Agentic Payment Systems

LLM agents are increasingly deployed as multi-role teams, where tasks are divided across specialized roles such as planner, executor, and verifier. In these systems, cost and accuracy are no longer properties of a single model: they depend on which model fills each role and where it is hosted, including API, self-hosted, and hybrid deployment. Existing agentic benchmarks typically evaluate fixed models or fixed agent configurations, and therefore offer limited guidance for cost-accuracy-optimal deployment. We introduce AgentCARD, a role-aware benchmark suite for evaluating LLM agent teams across role assignment and deployment mode. AgentCARD combines a role-decomposed evaluation harness, a unified API/self-hosted cost model, Pareto-frontier analysis, and a Shapley-based diagnostic for identifying role bottlenecks. Our evaluation shows that heterogeneous teams consistently occupy the cost-accuracy frontier. They improve accuracy by up to $44\%$ over cost-equivalent homogeneous teams, or match the strongest homogeneous team at up to $12\times$ lower per-task cost through hybrid deployment. We further find that the best role assignment is domain-dependent: some domains are planner-bottlenecked, while others are executor-bottlenecked. Finally, AgentCARD extends beyond planner--executor teams to workflows with additional roles such as verification, and supports continual evaluation as new domains and team structures emerge. Our code is released at: https://github.com/Auto-CAP/AgentCAP

Modern AI systems increasingly rely on workflows composed of multiple interacting agents, some powered by large language models (LLMs) and others by conventional computational modules. This paper analyzes the fundamental tradeoffs between latency, reliability, and cost in LLM-enabled agentic workflows. We introduce performance models for both LLM and non-LLM agents that capture the relationship between computational effort and output quality, incorporating the impact of reasoning and output tokens for LLM agents using a parametric exponential reliability function. Then, we study the design of sequential workflows under latency and cost constraints. Main results include a water-filling token allocation policy and characterizations of optimal workflow reliability in terms of shadow prices.

Given the increased use of LLMs in financial systems today, it becomes important to evaluate the safety and robustness of such systems. One failure mode that LLMs frequently display in general domain settings is that of sycophancy. That is, models prioritize agreement with expressed user beliefs over correctness, leading to decreased accuracy and trust. In this work, we focus on evaluating sycophancy that LLMs display in agentic financial tasks. Our findings are three-fold: first, we find the models show only low to modest drops in performance in the face of user rebuttals or contradictions to the reference answer, which distinguishes sycophancy that models display in financial agentic settings from findings in prior work. Second, we introduce a suite of tasks to test for sycophancy by user preference information that contradicts the reference answer and find that most models fail in the presence of such inputs. Lastly, we benchmark different modes of recovery such as input filtering with a pretrained LLM.