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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SaaS & Software

Recurring revenue intelligence
for software operators

Cohort analysis, LTV/CAC unit economics, and NRR decomposition unified in a single financial operating layer built for subscription businesses at scale.

saas / nrr / liveNRR 124% · dollar-weighted
Net Revenue Retention124%
Logo Churn2.1%
LTV : CAC5.8×
Gross Margin82%
CohortM0M1M2M3M4M5M6
Jan 2025100%96%93%91%89%88%87%
Apr 2025100%97%95%94%92%91%90%
Jul 2025100%98%97%96%95%94%93%
Oct 2025100%99%98%97%96%95%94%
Jan 2026100%99%98%97%96%95%95%

Unit economics

  • Average Contract Value$48,200+12% YoY
  • Customer Acquisition Cost$8,340-6% YoY
  • Payback Period11 months-2 mo
  • Expansion Revenue34%+8 pts

NRR bridge

  1. Starting ARR$42.6M
  2. New Logo ARR+$8.2M
  3. Expansion ARR+$5.4M
  4. Contraction ARR-$1.8M
  5. Churned ARR-$2.9M
  6. Ending ARR$51.5M

Built for SaaS finance

Recurring Revenue Recognition

ASC 606-compliant schedules across monthly, annual, and usage-based contracts. Deferred revenue waterfalls reconcile to the general ledger in real time.

Cohort Retention Modeling

Retention curves segmented by channel, plan tier, and customer size. Predictive models surface at-risk cohorts before churn materializes.

NRR & Expansion Tracking

Net revenue retention decomposed into expansion, contraction, and churn. Board-ready NRR bridges generated each reporting period.

LTV & CAC Analytics

Lifetime value at cohort and account level with configurable margin assumptions. CAC payback aligned across finance and growth.

Investor benchmarks

52Rule of 40
1.1×Burn Multiple
0.92Magic Number
$285KARR per Employee

Every cohort. Every expansion dollar. Visible before the board deck.