# ScaleCall -- Agentic Tool Calling at Scale for Fintech: Challenges, Methods, and Deployment Insights

arXiv: https://arxiv.org/abs/2511.00074 · HTML: https://mlsanity.com/paper/2511.00074/

## Key facts

- Cited by 2 papers in the map (data through 14 Oct 2026).
- Placed in Tool learning and function calling, one of 16 directions in LLM agents and tool use.
- Builds on 12 of its 24 references that are in the map.
- First posted on arXiv 29 Oct 2025.

## Placed in

- LLM agents and tool use / [Tool learning and function calling](https://mlsanity.com/agents/tool-learning-and-function-calling/)

## Builds on (most cited first, 12 of 12)

- [ReAct: Synergizing Reasoning and Acting in Language Models](https://mlsanity.com/paper/2210.03629/) (2022)
- [Toolformer: Language Models Can Teach Themselves to Use Tools](https://mlsanity.com/paper/2302.04761/) (2023)
- [Retrieval-Augmented Generation for Large Language Models: A Survey](https://mlsanity.com/paper/2312.10997/) (2023)
- [ToolLLM: Facilitating Large Language Models to Master 16000+ Real-world APIs](https://mlsanity.com/paper/2307.16789/) (2023)
- [Gorilla: Large Language Model Connected with Massive APIs](https://mlsanity.com/paper/2305.15334/) (2023)
- [HuggingGPT: Solving AI Tasks with ChatGPT and its Friends in Hugging Face](https://mlsanity.com/paper/2303.17580/) (2023)
- [A Survey on RAG Meeting LLMs: Towards Retrieval-Augmented Large Language Models](https://mlsanity.com/paper/2405.06211/) (2024)
- [Is ChatGPT Good at Search? Investigating Large Language Models as Re-Ranking Agents](https://mlsanity.com/paper/2304.09542/) (2023)
- [TinyAgent: Function Calling at the Edge](https://mlsanity.com/paper/2409.00608/) (2024)
- [Retrieval Models Aren't Tool-Savvy: Benchmarking Tool Retrieval for Large Language Models](https://mlsanity.com/paper/2503.01763/) (2025)
- [Rank-without-GPT: Building GPT-Independent Listwise Rerankers on Open-Source Large Language Models](https://mlsanity.com/paper/2312.02969/) (2023)
- [Improving Tool Retrieval by Leveraging Large Language Models for Query Generation](https://mlsanity.com/paper/2412.03573/) (2024)

## Built on by (most cited first, 2 of 2)

- [Scaling Enterprise Agent Routing: Degradation, Diagnosis, and Recovery](https://mlsanity.com/paper/2606.17519/) (2026)
- [What Can Component-Replacement Evidence Establish? A Critical Scoping Review of Local Decisions in LLM Agents](https://mlsanity.com/paper/2609.39989/) (2026)

## Abstract (arXiv)

While Large Language Models (LLMs) excel at tool calling, deploying these capabilities in regulated enterprise environments such as fintech presents unique challenges due to on-premises constraints, regulatory compliance requirements, and the need to disambiguate large, functionally overlapping toolsets. In this paper, we present a comprehensive study of tool retrieval methods for enterprise environments through the development and deployment of ScaleCall, a prototype tool-calling framework within Mastercard designed for orchestrating internal APIs and automating data engineering workflows. We systematically evaluate embedding-based retrieval, prompt-based listwise ranking, and hybrid approaches, revealing that method effectiveness depends heavily on domain-specific factors rather than inherent algorithmic superiority. Through empirical investigation on enterprise-derived benchmarks, we find that embedding-based methods offer superior latency for large tool repositories, while listwise ranking provides better disambiguation for overlapping functionalities, with hybrid approaches showing promise in specific contexts. We integrate our findings into ScaleCall's flexible architecture and validate the framework through real-world deployment in Mastercard's regulated environment. Our work provides practical insights into the trade-offs between retrieval accuracy, computational efficiency, and operational requirements, contributing to the understanding of tool-calling system design for enterprise applications in regulated industries.