AI agents are executing multi-step transactions right now — searching products, comparing options, initiating purchases.
They're using browser automation, APIs, and orchestration layers. The infrastructure is improvised. The audit layer doesn't exist yet.
"Operating through browser automation, APIs and orchestration layers, these systems are executing multi-step transactions autonomously."
This is the window where audit-first companies win.
When regulators catch up in 12-18 months, the agents that can reconstruct their decision history will survive. The ones that can't will get shut down.
Article 12 requires "meaningful information about the logic involved" in automated decisions. If your agent bought something via browser automation, can you prove why it chose that vendor?
MnemoPay logs agent payment decisions with full context — not just the transaction amount, but the reasoning chain, the alternatives considered, and the policy that approved it.
The agents shipping today will face audits tomorrow. Build the logs now or rebuild everything later.
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