Lumonic 12.0 adds agent-driven extraction from borrower reporting packs, with human approval

Extraction agent tie-outs (balance sheet, cash flow), cell-level traceback, and review-before-publish by default. Event-triggered alerts for covenant breaches and late reporting are planned, not shipped.

Why it matters for deal teams: The monthly-pack-to-covenant-test loop is the monitoring workflow vendors are now productising. Ask for the traceback demo, not the slide.