Can an AI agent apply cash and post to your ERP? Yes, inside gates. Here is where the human gate sits for tolerance, short pays, deductions and low-confidence matches.
An AR agent reads invoice state, decides the next action under finance policy, acts in your systems, and follows through until cash posts — not a chatbot, not brittle RPA.
The Machine Payments Protocol lets agents pay. It does not let them buy. An invoice is credit, not a request for payment, and agentic commerce will arrive through accounts receivable.
We've been thinking about AI in finance backwards. The end state isn't smarter agents processing dumb documents. It's documents that process themselves.