Our summary. AI features across an AP and AR platform for smaller and mid-sized businesses, including anomaly and fraud checks on bills. The maker says the customer keeps final decisions.
Exhibit 1.The record: BILL
Fields every product record carries, in the same order. Words in quotation marks are the maker's; everything else is ours.
| Field | Entry |
|---|---|
| What the AI does |
|
| Use cases (our reading) | Accounts payable, Payment anomalies and fraud |
| Not stated on the pages read: data and systems. | |
| Where a person reviews | while keeping final decision-making power.q1 |
| Model or data handling | Quickly surface financial data and run queries through major LLMs via a manual MCP connection.q1 |
| Public company | Yes: the SEC's company ticker file lists BILL Holdings, Inc. (BILL), CIK 1786352.2 Its filings on EDGAR. |
Source: pages on bill.com, read 29 October 2026; the SEC's company ticker file; notes 1 to 2.
Exhibit 2.BILL in its SEC filings
- BILL Holdings, Inc., Form 10-K filed 20 August 2026
We recently launched BILL AI, including our first suite of AI agents, which are designed to simplify and accelerate SMB workflows, including W-9 filings, customer support and assistance, touchless transactions, automatic reconciliations and complex invoice coding.
F3 - BILL Holdings, Inc., Form 10-K filed 20 August 2026
We use artificial intelligence (AI) to deliver strategic finance capabilities in one integrated platform that includes accounts payable (AP), accounts receivable (AR), expenses, forecasting, procurement, and more.
F3
Source: SEC EDGAR; notes 3 to 3.
Notes
- BILL, Increase Efficiency & Accuracy with AI in BILL. www.bill.com/product/ai. Read 29 October 2026.
- SEC EDGAR, Company tickers file. www.sec.gov/files/company_tickers.json. Read 29 October 2026.
- SEC EDGAR, BILL Holdings, Inc., Form 10-K filed 20 August 2026. www.sec.gov/Archives/edgar/data/1786352/000162828026058238/bill-20260630.htm. Read 29 October 2026.
Human review across all records. All products, A to Z. Methodology.