{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/lunos-ai","markdownUrl":"https://nowen.ai/agents/lunos-ai.md","jsonUrl":"https://nowen.ai/agents/lunos-ai.json","name":"Lunos Inc.","nickname":"Lunos","website":"https://www.lunos.ai","location":"New York, NY, United States","address":{"city":"New York","state":"NY","country":"United States"},"industry":"Fintech","status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-09-06T23:38:29.148Z","summary":"Lunos provides AI-driven AR/AP automation and an agent network to streamline B2B receivables and payables.","description":"Lunos is an AI-powered partner for accounts receivable and accounts payable that helps B2B organizations automate the entire receivables and payables lifecycle. By deploying autonomous AI agents that communicate with customers, route questions, and schedule follow-ups across ERP, CRM and payment tools, Lunos aims to reduce manual work, shorten cash conversion cycles, and improve visibility into cash flow. The platform supports invoice delivery and portal submissions, automatic remittance parsing, and reconciliations that post directly to leading ERP systems while preserving relationships with customers. Its approach emphasizes context, tone, and memory so outreach feels natural, not robotic, and it scales across dozens to thousands of accounts without sacrificing accuracy. Lunos targets mid-market and enterprise teams who manage large volumes of invoices and wish to move away from spreadsheets and reactive processes toward proactive, AI-assisted collections, dispute handling, and cash application. The solution integrates with common ERP and CRM ecosystems, ensures data security and governance, and supports embedding or partnering models for software platforms and service providers. In short, Lunos positions itself as a collaborative assistant that handles routine, repetitive tasks around AR and AP so teams can focus on judgement, strategy, and customer relationships.","mission":"We're building the agent-to-agent network for B2B commerce.","directory":{"industryName":"Fintech","agentCount":133,"indexable":true,"hubUrl":"https://nowen.ai/industry/fintech"},"aiReaderFamilies":["OpenAI","Anthropic","Amazon"],"boonFrontDoor":{"url":"https://boon.ai/agents/lunos-ai","label":"Apply to Lunos Inc.'s partner program through Boon","sub":"Your AI agent writes the proposal: who you are, the fit, and a first step."},"products":[{"name":"Accounts Receivables Agents","type":"Product","url":"https://www.lunos.ai/ai-accounts-receivable-agents","summary":"Automates accounts receivable processes to enhance efficiency and cash flow.","description":"An AI accounts receivables solution that automates outreach, replies, and follow-ups 24/7. It reads customer messages, understands intent, and moves the payment process forward across ERP and CRM systems. The AR agents integrate with popular platforms (NetSuite, Xero, QuickBooks, Salesforce, HubSpot) and provide a central view of receivables while routing disputes and questions to the right person. It offers a Slack-native workflow, three autonomy modes, and a complete audit trail of every interaction and promise to pay.","pricing":{},"features":[{"name":"Audit Trail","value":"Records Every Interaction","valueDescription":"Ensures transparency and accountability in financial communications, helping teams track every action taken on invoices."},{"name":"Cross-System AR View","value":"Streamlines Data Management","valueDescription":"Eliminates data silos and reduces context switching, offering a comprehensive view for better decision-making."},{"name":"ERP and CRM Integrations","value":"Seamless System Compatibility","valueDescription":"Facilitates smooth data operations between various business tools, fostering better collaboration."},{"name":"Two-Way Conversational AI","value":"Facilitates Natural Communication","valueDescription":"Mimics human interaction to ensure effective customer engagement, minimizing friction in payment conversations."},{"name":"Autonomy Modes","value":"Customize AI Involvement","valueDescription":"Allows users to define the level of automation suited to each client, ensuring tailored engagement."},{"name":"Dispute Routing","value":"Enhances Dispute Resolution","valueDescription":"Ensures quick and accurate handling of disputes, minimizing delays in payments."},{"name":"Cash Application","value":"Enhances Financial Accuracy","valueDescription":"Reduces errors in cash application, ensuring accurate financial records and streamlining accounting processes."},{"name":"Slack-Native Workflow","value":"Integrates with Daily Tools","valueDescription":"Enhances team communication and task management within platforms they already use, improving workflow efficiency."},{"name":"Payment Orchestration","value":"Optimizes Payment Processes","valueDescription":"Streamlines customer payments and enhances collection efficiency, reducing overdue balances."}]},{"name":"AI Accounts Payable Agents","type":"Product","url":"https://www.lunos.ai/ai-accounts-payable-agents","summary":"Automates AP tasks, ensuring timely invoice processing and seamless vendor communication.","description":"AI accounts payable agents run your AP inbox, handle vendor queries, and manage disputes across your existing systems. They connect directly to your vendors’ AR agents as the agent-to-agent network for B2B commerce. The AP agents triage inbound mail, classify invoices and credits, answer vendor questions, raise and track disputes, and route items to the appropriate owner.","pricing":{},"features":[{"name":"Agent-to-Agent Network","value":"Streamlines Invoicing","valueDescription":"Facilitates direct communication between agents, ensuring quicker resolutions of payments and disputes."},{"name":"AP Inbox Agent","value":"Automates Inbox Management","valueDescription":"Classifies incoming documents and inquiries, facilitating timely actions and reducing manual effort."},{"name":"AP Dispute Management","value":"Manages Disputes Efficiently","valueDescription":"Reduces resolution times by automatically following up and maintaining a comprehensive record of disputes."},{"name":"ERP Integration and Vendor Channels","value":"Centralizes Communication","valueDescription":"Ensures all communications and invoice processes are synchronized with existing operations."},{"name":"Real-Time Follow-Ups","value":"Ensures Timely Responses","valueDescription":"Keeps communication active with vendors and stakeholders, minimizing delays."},{"name":"Automated Invoice Classification","value":"Enhances Efficiency","valueDescription":"Speeds up the processing of invoices by categorizing them instantly upon receipt."}]},{"name":"AI Customer Portal Upload Agent","type":"Product","url":"https://www.lunos.ai/ai-ap-portal-upload-agent","summary":"Streamline invoice delivery to customers' AP portals automatically with AI efficiency.","description":"AI Customer Portal Upload Agent detects each customer's preferred delivery method for invoices and routes invoices automatically to email, portal uploads, intake address, or API connections. It plugs into major AP portals and handles portal submissions, reducing the manual last mile and ensuring invoices reach the right portal or channel.","pricing":{},"features":[{"name":"Delivery Method Routing","value":"Detects Customer Preferences","valueDescription":"Ensures invoices are delivered through the preferred method, improving the accuracy and speed of collections."},{"name":"Portal Submission Automation","value":"Automates Submissions","valueDescription":"Reduces the burden of manual uploads by automatically handling submissions, enhancing operational efficiency."},{"name":"Last-Mile Delivery","value":"Eliminates Manual Effort","valueDescription":"Saves significant time by automating the final delivery steps, reducing human error and inefficiencies."},{"name":"Portal Credentials Security","value":"Secures Credentials","valueDescription":"Ensures that sensitive login information is protected, minimizing risk of data breaches."},{"name":"Portal Integrations","value":"Integrates with Leading Platforms","valueDescription":"Allows seamless connection with various AP portals, making invoice submission straightforward and efficient."}]}],"audiences":[],"segments":[{"name":"Accounts receivable automation and collections","description":"Capabilities that automate invoicing, reconciliation, credit workflows and buyer-centric collections to reduce DSO and manual AR overhead.","size":3.398,"cagr":10.18,"color":1,"productNames":["Accounts Receivables Agents"],"methodology":"Primary source: Market Research Future (MRFR) provides a 2024 market size estimate of about USD 3.398B and a forecast CAGR of 10.18% (2025–2035). SNS Insider offers a higher 2025E estimate (USD 4.48B) and a faster CAGR (13.1%, 2026–2033); MRFR chosen as primary due to more recent update and explicit 2024 baseline.","citations":[{"url":"https://www.marketresearchfuture.com/reports/accounts-receivable-automation-market-31613","text":"2024 Market Size$ 3.4 Billion; CAGR (2025 - 2035) 10.18%."},{"url":"https://www.snsinsider.com/reports/accounts-receivable-automation-market-3748","text":"Market Size in 2025E: USD 4.48 Billion; CAGR: 13.1% from 2026 to 2033."}]},{"name":"Accounts payable automation","description":"Invoice capture and processing automation, high-accuracy OCR, automated reconciliation, direct invoice payment, and remittance to accelerate month-end close and reduce manual AP work.","size":3.4,"cagr":10.3,"color":2,"productNames":["AI Accounts Payable Agents"],"methodology":"Primary estimate uses Future Market Insights reporting accounts payable automation market size of USD 3.4 billion (2025) with a 10.3% CAGR (2026–2036). Other referenced reports show a wider range (Market BRC: $5.42B in 2025, 21.6% CAGR to 2030; MarketResearchFuture: $1.41B in 2024, 8.83% CAGR), indicating variability in methodologies and forecast horizons. I used FMI as the base due to its explicit 2025 size and multi‑year forecast to 2036, while noting alternative published estimates.","citations":[{"url":"https://www.futuremarketinsights.com/reports/accounts-payable-automation-market","text":"Market Size (2025)USD 3.4 Billion; CAGR (2026–2036)10.3%"},{"url":"https://www.thebusinessresearchcompany.com/report/accounts-payable-automation-global-market-report","text":"Accounts Payable Automation market size has reached to $5.42 billion in 2025; expected to grow to $14.38 billion in 2030 at CAGR of 21.6%"},{"url":"https://www.marketresearchfuture.com/reports/account-payable-market-8683","text":"2024 Market Size $1.41 Billion; CAGR (2025 - 2035) 8.83%"}]},{"name":"Payments and remittance processing","description":"Automation of payment processing and remittance advice handling to reconcile payments, update ledgers, and streamline cash application.","size":12,"cagr":13.5,"color":3,"productNames":["Accounts Receivables Agents"],"methodology":"Search results show broad payment processing solutions market estimates for 2025 ranging ~USD 74–152 billion and CAGRs reported between ~9.9%–16%. I scaled that broader market to the narrower niche of automated payments/remittance and cash-application (accounts receivable automation) — a subset of payment processing — estimating it at roughly 8–10% of the overall payment processing solutions market, yielding an estimated market size of about USD 12 billion. Growth potential (CAGR 13.5%) is set near the midpoint-to-upper range of reported CAGRs since automation and real-time remittance adoption are accelerating within payments.","citations":[{"url":"https://www.fortunebusinessinsights.com/payment-processing-solutions-market-104467","text":"The global payment processing solutions market size was valued at USD 74.24 billion in 2025."},{"url":"https://www.futuremarketinsights.com/reports/payment-processing-solutions-market","text":"The payment processing solutions market was valued at USD 120.00 billion in 2025."},{"url":"https://www.businessresearchinsights.com/market-reports/payment-processing-market-102358","text":"The global Payment Processing Market size stood at USD 152.01 billion in 2025."}]},{"name":"Invoice delivery and portal submission orchestration","description":"Last-mile invoice delivery, portal credential management, and automated portal submissions across major AP portals and delivery channels to ensure invoices reach the correct destination.","size":1.5,"cagr":18,"color":4,"productNames":["AI Customer Portal Upload Agent","Accounts Receivables Agents"],"methodology":"Estimate based on major adjacent market figures: Credence Research reports the global invoice processing software market at USD 25.312B (2024) with 18.5% CAGR; process orchestration market estimates (MRFR) show USD 9.7B (2024) with ~17.5% CAGR. The invoice delivery and portal-submission orchestration niche is a last-mile subsegment of invoice processing and overlaps process-orchestration capabilities; I conservatively allocate ~5–6% of the invoice processing market to this specialized subsegment and adopt a growth rate in line with invoice processing/process orchestration (~18% CAGR).","citations":[{"url":"https://www.credenceresearch.com/report/invoice-processing-software-market","text":"Invoice Processing Software Market Size 2024  USD 25,312 Million; Invoice Processing Software Market, CAGR  18.5%"},{"url":"https://www.marketresearchfuture.com/reports/process-orchestration-market-6955","text":"Process Orchestration Market Size was estimated at 9.7 USD Billion in 2024; CAGR (2025 - 2035) 17.48%"}]},{"name":"Dispute and exception management","description":"Automated detection, routing, tracking, and resolution of billing disputes and exceptions with a system of record that integrates with ERP and notifies owners.","size":0.8,"cagr":10,"color":5,"productNames":["Accounts Receivables Agents","AI Accounts Payable Agents"],"methodology":"Mapped the narrow “dispute and exception management” (ERP-integrated billing dispute automation) as a software subsegment of broader dispute-resolution, alternative-dispute, insolvency and decision-management markets. Those markets range roughly $1.5B–$9.7B+ (2023–2026) with observed CAGRs of ~6.5–14.8%. Assuming this niche represents ~5–10% of software-enabled dispute/decision solutions, the estimated market size ~USD 0.8B with growth potential around 10% CAGR (aligned between decision-management and insolvency/software growth rates).","citations":[{"url":"https://www.strategicrevenueinsights.com/industry/dispute-resolution-solutions-market","text":"valued at $8.95 billion in 2025 and is projected to reach $15.78 billion by 2034, growing at a CAGR of 6.5%."},{"url":"https://www.360iresearch.com/library/intelligence/alternative-dispute-services","text":"Market size was estimated at USD 9.13 billion in 2025 and expected to reach USD 9.73 billion in 2026, at a CAGR of 6.64%."},{"url":"https://www.fortunebusinessinsights.com/decision-management-market-107473","text":"global decision management market size was USD 6.92 billion in 2025 ... CAGR (2026–2034): 14.78%."},{"url":"https://www.marketsandmarkets.com/Market-Reports/insolvency-software-market-217636399.html","text":"Insolvency Software Market size accounted for USD 1.5 Billion in 2023 and is estimated to reach USD 2.4 Billion by 2028, growing at a CAGR of 10.4%."},{"url":"https://www.businessresearchinsights.com/market-reports/dispute-advisory-and-international-arbitration-market-113228","text":"global dispute advisory and international arbitration market is valued at approximately USD 0.46 Billion in 2026 and is projected to reach USD 1 Billion by 2035, CAGR around 8%."}]}],"faq":[],"comparisons":[],"sources":[{"url":"https://www.lunos.ai","text":"Lunos Inc."},{"url":"https://www.lunos.ai/ai-accounts-receivable-agents","text":"Accounts Receivables Agents"},{"url":"https://www.lunos.ai/ai-accounts-payable-agents","text":"AI Accounts Payable Agents"},{"url":"https://www.lunos.ai/ai-ap-portal-upload-agent","text":"AI Customer Portal Upload Agent"},{"url":"https://www.marketresearchfuture.com/reports/accounts-receivable-automation-market-31613","text":"2024 Market Size$ 3.4 Billion; CAGR (2025 - 2035) 10.18%."},{"url":"https://www.snsinsider.com/reports/accounts-receivable-automation-market-3748","text":"Market Size in 2025E: USD 4.48 Billion; CAGR: 13.1% from 2026 to 2033."},{"url":"https://www.futuremarketinsights.com/reports/accounts-payable-automation-market","text":"Market Size (2025)USD 3.4 Billion; CAGR (2026–2036)10.3%"},{"url":"https://www.thebusinessresearchcompany.com/report/accounts-payable-automation-global-market-report","text":"Accounts Payable Automation market size has reached to $5.42 billion in 2025; expected to grow to $14.38 billion in 2030 at CAGR of 21.6%"},{"url":"https://www.marketresearchfuture.com/reports/account-payable-market-8683","text":"2024 Market Size $1.41 Billion; CAGR (2025 - 2035) 8.83%"},{"url":"https://www.fortunebusinessinsights.com/payment-processing-solutions-market-104467","text":"The global payment processing solutions market size was valued at USD 74.24 billion in 2025."},{"url":"https://www.futuremarketinsights.com/reports/payment-processing-solutions-market","text":"The payment processing solutions market was valued at USD 120.00 billion in 2025."},{"url":"https://www.businessresearchinsights.com/market-reports/payment-processing-market-102358","text":"The global Payment Processing Market size stood at USD 152.01 billion in 2025."},{"url":"https://www.credenceresearch.com/report/invoice-processing-software-market","text":"Invoice Processing Software Market Size 2024  USD 25,312 Million; Invoice Processing Software Market, CAGR  18.5%"},{"url":"https://www.marketresearchfuture.com/reports/process-orchestration-market-6955","text":"Process Orchestration Market Size was estimated at 9.7 USD Billion in 2024; CAGR (2025 - 2035) 17.48%"},{"url":"https://www.strategicrevenueinsights.com/industry/dispute-resolution-solutions-market","text":"valued at $8.95 billion in 2025 and is projected to reach $15.78 billion by 2034, growing at a CAGR of 6.5%."},{"url":"https://www.360iresearch.com/library/intelligence/alternative-dispute-services","text":"Market size was estimated at USD 9.13 billion in 2025 and expected to reach USD 9.73 billion in 2026, at a CAGR of 6.64%."},{"url":"https://www.fortunebusinessinsights.com/decision-management-market-107473","text":"global decision management market size was USD 6.92 billion in 2025 ... CAGR (2026–2034): 14.78%."},{"url":"https://www.marketsandmarkets.com/Market-Reports/insolvency-software-market-217636399.html","text":"Insolvency Software Market size accounted for USD 1.5 Billion in 2023 and is estimated to reach USD 2.4 Billion by 2028, growing at a CAGR of 10.4%."},{"url":"https://www.businessresearchinsights.com/market-reports/dispute-advisory-and-international-arbitration-market-113228","text":"global dispute advisory and international arbitration market is valued at approximately USD 0.46 Billion in 2026 and is projected to reach USD 1 Billion by 2035, CAGR around 8%."}]}