Federated learning (FL) enables independent data owners to train models collaboratively without centralizing raw data. However, identifying collaborators, preparing training tasks, and coordinating execution and incentives hinder its practical adoption by organizations without specialized expertise. We present Cortex-FL, an agent-native FL system that enables users to express learning objectives in natural language and delegate the collaboration required to train a model. Agents translate these objectives into shared tasks, discover collaborators, and negotiate participation agreements, connecting collaboration formation with distributed training and incentive management. The architecture separates agent coordination from local execution authority, allowing owners to delegate coordination while retaining control over their data, computation, and financial commitments. We demonstrate the complete workflow on a four-node deployment, in which a model requested in natural language proceeds through collaboration formation, contract-governed training, verified model delivery, and x402 settlement on a blockchain testnet.

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