Paier is the answer I wished existed: one intelligent agent that runs all of it, for the business, and for the people in it. Today, Bob from Accounting is an autonomous AI agent. He reads every invoice the moment it arrives, flags duplicates before they're paid, catches scam emails aimed at the business, and notices when a recurring charge quietly ticks up. He runs payroll, pays vendors however they want to be paid, and files the 1099s. And he does the same on the personal side for employees, watching their subscriptions, funding their savings, moving their money.