Auditing Self-Evolution in Financial Agents: Capability Gains, Security Drift, and Execution-Interface Mismatch

The paper audits self‑evolving financial agents—SkillOpt, Agent Workflow Memory (AWM), and ReasoningBank—by evaluating their performance, security drift, and execution‑interface mismatches in simulated e‑banking scenarios. It shows that while utility improves after evolution, exposure to malicious content and unauthorized state changes also rise, and that AWM’s text‑action envelope can disrupt tool execution, highlighting the need for comprehensive auditing beyond accuracy metrics.

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• agents
• multimodal