At WAIC 2026, Ant Digital launched Agentar 2.0, pushing the "Agent super-factory" concept to the ground: nearly 200 job-level digital expert templates are preset, layered with hundreds of Skills-level out-of-the-box tools, letting enterprises quickly enable "virtual employees" with domain knowledge, business processes and tool-calling capabilities. Three technical highlights: first, full coverage of zero/low/high code, paired with on-premise/SaaS/hybrid deployment to keep integration low-threshold; second, visualization of the thought process, with white-boxed reasoning allowing human-machine collaborative intervention, especially critical in financial scenarios; third, the financial MCP service marketplace turns fund management, investment research, and investment advisory into snap-together modules, making "building an Agent" shift from hand-writing workflows to "checkbox + configuration". On the deployment side, Agentar has covered five main lines: wealth management, marketing, risk control, investment advisory, and insurance claims. Third-party endorsement: the CAICT's 23 evaluations gave Agentar the highest Level 5; Agentar-SQL took the global #1 on BIRD-Bench; IDC listed it in the "Leaders" segment of China's Agent development platform. Commentary angle: the make-or-break of LLM competition is shifting from "training a stronger base" to "tool density + template thickness". Ant turned ten years of financial scenario accumulation into reusable assets — this path is closer to the essence of Agentic AI than competing on parameters: whether Agents can make money has never been about whether they can talk, but about how many real business interfaces they can call.