AI agents in Monaco: agents that work inside your tools, under your control
What is an AI agent and what can it do for a business in Monaco?
An AI agent is software that reads the information held in your tools (email, files, CRM, accounting) and carries out the steps of a task on its own to reach a set goal, stopping whenever a decision belongs to a person. In Monaco, PRAGMA builds custom AI agents for businesses: sorting incoming mail, preparing files, follow-ups and reports, with a person approving every message before it is sent. The first agent is delivered as a free prototype running on your own data within 72 hours, with no commitment.
An AI agent does not replace a member of your team: it takes over the repetitive steps of a task, inside the software your team already uses. PRAGMA is a development studio based in Monaco, registered with the RCI under number 26P10994. We design, code and host these agents, and a dedicated developer looks after each project once it is live.
What does an AI agent do in a company?
A language model on its own answers a question. An agent goes further: it receives a goal, picks the tools it needs, reads what they contain, prepares a result and hands it to the person in charge.
- Read an incoming email, find the client in the CRM and draft a reply with the right attachments.
- Pull the amounts, dates and references out of an invoice or a contract, then record them in the correct file.
- Spot the quotes that have gone unanswered for a week and prepare a follow-up for each one.
- Gather the week's figures scattered across accounting, sales and spreadsheets, then write a report that is ready to review.
- Answer a client's simple questions on WhatsApp and pass the others to the right person, together with the context.
Each agent connects to the tools you already have: email, shared folders, CRM, accounting software, WhatsApp. Your team keeps the same software it uses today.
Examples of AI agents by trade in Monaco
The tasks change from one trade to another, while the method stays the same. Here is what an agent takes on in the sectors where we work.
- Real estate: qualify incoming enquiries, match each buyer with the properties that fit their criteria and prepare viewing reports. Negotiation stays with the agent. Miells, a Monaco real estate agency, uses our AI tools across its departments. See real estate CRM in Monaco.
- Boutiques and luxury: prepare client follow-up and campaigns. For the Montblanc boutiques in Monaco and France, we built a custom CRM with AI that staff use every day in store. See retail CRM in Monaco.
- Family office: file the statements and letters received from banks and institutions, consolidate the information by entity and prepare summary notes for the family. Investment decisions remain human. See AI for family offices in Monaco.
- Insurance brokerage: build the case files, chase missing documents and prepare the work of the account handlers. MediClar, business software we built for brokerage, runs with AI agents across several offices.
- Tax advisory firm: sort the documents sent by clients and check that a file is complete before it is processed. We work with a tax advisor based in Monaco.
- Restaurants: handle booking and private event requests, track reviews and prepare supplier orders. See AI for restaurants in Monaco.
- Healthcare: prepare replies to appointment requests, gather administrative documents and remind patients of missing paperwork, without ever making a diagnosis. See AI for healthcare in Monaco.
Online retail follows the same logic: for La Box Gourmande, we rebuilt the online shop and added an AI back office that manages orders, customers and the catalogue.
AI agent or chatbot: what is the difference?
A chatbot answers inside a chat window, based on a text or a list of questions. An AI agent acts inside your tools: it opens a file, fills in a record, drafts an email, and it can start working on its own when a document arrives.
A chatbot is enough to answer the frequent questions asked on a website. As soon as a task requires looking into several pieces of software and producing a document, you need an agent. We compare both in detail in the article AI agent or chatbot.
How do you keep control of an AI agent and its data?
The following rules apply to every agent we deliver, and we set them with you before any code is written.
- Human approval: the agent prepares, a person reviews and decides. Nothing is sent to a client, a partner or an authority without that approval.
- Access rights per person: each member of staff sees what their role allows, and the agent working for them stays within the same limits.
- Tools opened one by one: the agent only reaches the tools you open to it, and a task that only needs to read gets read access only.
- A log of every action: each document read, each draft and each approval is recorded with its date and its author.
- No outside training: your data is never used to train an external model.
The agents are currently hosted on European servers that PRAGMA administers itself, and hosting in Monaco is in preparation. Processing complies with the GDPR and with Monaco Law No. 1.565 on the protection of personal data.
How does an AI agent project with PRAGMA work?
We start with the task that costs your team the most hours each week, then move on to the next one. Every project follows four steps.
- The free audit: a conversation with the people who do the task, to understand its steps and set a goal measured in hours saved.
- The prototype in 72 hours: we deliver an agent that runs on your own data, free of charge and with no commitment.
- The test on your real files: your team uses it on actual cases, points out what is missing, and we make the corrections together.
- The quote: you receive a price for what you have seen working, then the full version is built during a 30-day development phase.
Once the agent is live, a dedicated developer looks after it, adds the next tasks on the same foundation and remains your point of contact. The studio is led by Romain Girardi, AI researcher, PhD candidate at Université Côte d'Azur and the University of Geneva and creator of EleutherIA, a system of AI agents, and by Benjamin Mathias, tech lead with eight years in infrastructure and DevOps, including work at the European Space Agency.
How is the price of an AI agent set?
PRAGMA does not publish a price list. The audit and the 72 hour prototype are free and come with no commitment. The quote follows, for what you have seen working, and depends on the scope.
- The number of tools to connect: email, CRM, accounting, WhatsApp.
- The volume of documents and messages processed.
- The complexity of the business rules and their exceptions.
- The hosting you choose.
To estimate the return, compare the hours saved each month with the time needed to build. For example, a task that takes ten hours a week frees more than forty hours a month, for a 30-day development phase. The article what an AI agent costs in Monaco goes through each item.
Frequently asked questions
What is an AI agent in a business?
It is software that receives a goal, consults the company tools it has access to and carries out the steps of a task, such as reading an email, completing a file and drafting a reply, before handing the result to a person.
Can an AI agent send an email without approval?
Not with us. The agent drafts the message and stops. A person on your team reads it, corrects it if needed and decides whether to send it, and that approval is recorded in the log.
Do we have to replace our current software to use an AI agent?
No. The agent connects to what you already use: email, shared folders, CRM, accounting, WhatsApp. You decide which tools it may open.
Where is the data processed by the agent hosted?
On European servers that PRAGMA administers itself. Hosting in Monaco is in preparation. Processing follows the GDPR and Monaco Law No. 1.565.
Is my data used to train an AI model?
No. Your documents and conversations are used only to run your own agent and are never used to train an external model.
How long does it take to set up an AI agent?
The prototype on your data is ready in 72 hours. The full version is built during a 30-day development phase.
Does PRAGMA only work in Monaco?
We work mostly in Monaco, where the studio is based, and also on the French Riviera and across the rest of France.
Write down the task that takes your team the most hours each week and the tools where its information lives, then send it to us through the contact form or call +33 6 15 82 17 03. We come back to you with a free audit, followed by a prototype running on your data within 72 hours.