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 rationale, multi-tenant isolation, statelessness for horizontal scale), and stateful architectures violate

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ethics.ai (22 April 2026), “Stateless Decision Memory for Enterprise AI Agents,” evidence record 5513, https://ethics.ai/record/5513 (originally published by arXiv).

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