The $100T world of B2B commerce operates in a "Wild West" where businesses provide goods and services first and chase payment later - often for months. Despite decades of software innovation, the accounts receivable process still depends on millions of finance professionals manually sending emails, tracking down contacts, answering invoice questions, and reconciling incomplete payment data. With 57% of invoices paid late and 77% of AR teams falling behind, this communication and negotiation bottleneck has become one of the most persistent inefficiencies in the modern economy.