AI Agent Runtime
Autonomous agents with policy gates and audit trails
Embedded Banking
Multi-rail payments and embedded banking rails
Ledger Systems
Double-entry ledger with mathematical invariants
Reconciliation
OCR ingestion and three-way match automation
Tax Orchestration
Multi-jurisdiction tax compliance and filing
Forecasting & Risk
Predictive cash flow and scenario simulation
NLQ Banking
Natural language queries over treasury data
Corporate Card
AI-enforced spending with real-time policies
Future of Finance
The next generation financial operating system
NEW
Financial Operating System
One unified platform for payments, treasury, spend intelligence, and quantitative investing.
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Startups & Venture
Replace 5-12 disconnected tools from day one
SMBs
One platform for payments, expenses, and growth
Enterprise
Treasury intelligence at institutional scale
Government
Treasury and economic intelligence for public sector
One operating system
Banking, ledger, tax, forecasting, and agents on a single substrate. From first close to institutional treasury.
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PrivacyTermsRiskCompliance

Forecasting & Risk

See the path
before the turn

Scenario lattices, runway trajectories, and covenant headroom in one forecasting surface. Models that backtest clean. Signals that stay decision-grade.

Scenario lattice

Probability-weighted paths across growth, burn, and runway. Select a case to inspect the surface.

forecast / lattice / baseP=52% · ensemble
Growth+12.4%
Monthly burn$890K
Runway18.2 mo
Probability52%

Backtest record

forecast / backtest / trailing8 quarters · MAPE 2.6%
PeriodActualForecastErrorModel
Q1 2024$2.84M$2.79M1.8%ARIMA(2,1,2)
Q2 2024$3.12M$3.08M1.1%ARIMA(2,1,2)
Q3 2024$2.98M$3.21M7.7%Bayesian CP
Q4 2024$3.45M$3.39M1.7%Bayesian CP
Q1 2025$3.68M$3.62M1.6%Ensemble
Q2 2025$3.91M$3.84M1.8%Ensemble
Q3 2025$4.02M$3.98M0.9%Ensemble
Q4 2025$4.21M$4.15M1.4%Ensemble

Covenant headroom

forecast / covenant / facility6 checks · 1 watch
CovenantThresholdCurrentHeadroomStatus
Minimum Liquidity$5.0M$8.4M68%compliant
Debt Service Coverage1.25x1.82x46%compliant
Leverage Ratio3.50x2.14x39%compliant
Fixed Charge Coverage1.10x1.04x5%watch
Cash Burn Cap$1.2M/mo$890K/mo26%compliant
Interest Coverage2.00x3.41x71%compliant

Risk models

forecast / risk / registry6 models armed
IDModelMethodSignalHorizon
GARCH-REVRevenue VolatilityGARCH(1,1)Moderate90d
BCP-DETECTChangepoint DetectionBayesian Online CPStable180d
MC-CPTYCounterparty ExposureMonte Carlo (10K)Low365d
VAR-FXFX Translation RiskVAR (95%)Elevated60d
ARIMA-WCWorking Capital CycleARIMA + SeasonalModerate120d
LAT-FUNDFunding Gap AnalysisScenario LatticeLow270d

Fit. Blend. Lattice. Covenant. Signal. Publish.