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.
Pull what has a system of record. Persist what does not. A folder is not a memory, and most of the knowledge that matters has no system of record at all.
MCP answers how an agent reaches data. The brain answers what the organization knows. Pull facts of record. Persist judgment that has no system of record.
Everyone agrees on where AI agents are going. The destination is not the differentiator. The route is. Constraint profiles, a task vocabulary, and democratized creation.
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.