Lunos

Lunos AI (Lunos, Inc.) is a New York-headquartered fintech company that builds AI agents, described as "AI workers," for accounts receivable and accounts payable. The product replicates the way a human AR team operates: it connects to a company's finance systems, reads customer records and email threads to build account context, decides what action to take on each account, and then executes tasks such as sending invoices, chasing overdue balances, escalating to finance managers, finding new finance contacts, requesting remittance information and logging promises to pay. It handles two-way conversations with a customer's own customers over email and phone, including invoice queries and disputes, and covers portal uploads and cash application.

Finance teams interact with the agent through Slack, email and a web application. The interface presents a to-do list of scheduled and recent actions, an account-level view showing balance, amount overdue, days overdue and a written summary of each account's situation, configurable auto-approval of agent actions, and a brand tone-of-voice setting that blends up to three tones (for example formal, direct, calm, empathetic, friendly, casual, fun or playful). The company positions the product as usable across the finance function, from AR analysts and controllers to CFOs, with stated outcomes of reduced DSO and fewer write-offs without added headcount.

The broader stated goal is an "agent-to-agent network for B2B commerce," in which AI agents representing buyers and sellers negotiate and settle invoices with each other rather than staff exchanging emails and PDFs. Announced roadmap items include payment reconciliation, payment orchestration, end-to-end cash flow optimization, and an embeddable agent that accounting, invoicing and CRM providers can integrate into their own products.

Founding story

Founder and CEO Duncan Barrigan previously spent close to a decade at GoCardless, joining when it was a small UK team with under $1 million in ARR and serving as Chief Product Officer as it grew into a $2.2 billion European payments company processing direct debits. He concluded that the roughly $100 trillion of annual B2B invoicing remains manual not because of missing payment rails but because settlement is a communication and negotiation problem between AP and AR departments, and started Lunos to build AI agents that perform that work continuously and in any language.

Business model

B2B software sold to companies' finance teams, offered both as a self-serve product with a free entry point ("Start for free", sign-up and demo booking on the website) and as a white-glove service. The company emphasizes fast onboarding rather than multi-month integration projects.

Traction

The company reports $5 million in venture funding, three offices, a founding team with a combined 50-plus years of fintech experience, more than ten product updates per day, and twelve named team members. Named reference customers quoted on its site include Swap (VP Finance Johan Strid) and Revela (Director of Accounting Ricky Atkins).

Latest developments

Following the September 2025 launch and pre-seed round, the company said it would expand the team and extend its agents with payment reconciliation, payment orchestration and end-to-end cash flow optimization, plus an embeddable agent for accounting, invoicing and CRM platforms. Its site advertises open roles and marketing of both AR and AP capabilities.