Booking, bios, and assets

Quote bank

Verbatim from published material. Attribute to Chris Wyatt, Co-Founder & Interim CEO, Finexio. No permission needed.

• “Translation is the actual work. Workflow software is what you buy when no one has solved translation.”

  AP automation · /insights/canonicalization-beats-workflow →

• “The system does not need to prove the agent is human. It needs to prove the agent is acting with valid authority.”

  agent commerce · fraud · /insights/authorization-without-identity →

• “If the execution layer scales before the authorization layer catches up, the market will learn the hard way, one disputed transfer at a time.”

  agent commerce · /insights/authorization-without-identity →

• “AI won't earn software margins. It will earn payments margins. I spent years inside both.”

  AI margins · LinkedIn →

• “Software is no longer something you buy. It is something you hire. You are not licensing access to a product anymore.”

  AI margins · AP automation · LinkedIn →

• “The $30 trillion B2B payments market has a 100 percent incentive problem.”

  B2B payments · LinkedIn →

• “For twenty-five years, SaaS sold you a gym membership. Service as software does your pushups for you.”

  AI margins · AP automation · /reading/the-last-invoice →

• “If you were designing a domain for AI agents to conquer first, you'd design something that looks exactly like B2B payments.”

  agent commerce · /reading/the-last-invoice →

• “I do think you're going to see the rise of agentic payables.”

  agent commerce · AP automation · PYMNTS, September 2025 →

• “Now, AI tools can prevent fraud before it happens by identifying suspicious activity in real time.”

  fraud · PYMNTS, December 2024 →

Fact-check box

The canonical numbers, each with its on-site source.

• Finexio processes $12B+ in annual payment volume. /about →

• Chris co-founded Finexio in 2018 and took it from pre-revenue to $20M ARR. ARR and volume are different numbers. /about →

• Finexio has raised $75M from JPMorgan and other institutional investors. /resume →

• At Change Healthcare he ran $160B in annual payment volume. /about →

• As General Manager he owned a $400M P&L and a 350-person organization. /about →

• He built an $8B virtual card operation that added $80M in net-new revenue in 18 months. /about →

• WellPoint acquired AIM for $300M in 2007. That is his one institutional exit. /about →

• Federal Reserve Remittance Coalition participant from 2013 to 2017. Participation, not membership. /about →

• Three books published 2024 to 2026, with chapter one of each free. /reading →

Story angles

Five framings, each with the record one link away.

1. The one-human AP department. A payments operator put it on the record: by 2030 the AP function is one human and one agent. The call carries a date, a resolution standard, and a public scoreboard. /calls →

2. The 700-year-old bug in agent commerce. A Florentine merchant's seal proved authority, not identity, and that is the primitive AI-agent payments is missing. /insights/authorization-without-identity →

3. He called agentic payables in print before the category had a name. On the record with PYMNTS in September 2025. PYMNTS →

4. The workflow tax. An operator who ran $160B in healthcare payment volume says AP vendors profit from a translation problem they never solve. /insights/canonicalization-beats-workflow →

5. The payments operator writing about machine consciousness. A 22-minute philosophical audio essay on AI and consciousness. /insights/resonance-hypothesis →