Put useful AI around the financial core.
Payments and finance systems already hold the evidence. We add a reviewable layer that explains status, matches records, and keeps regulated decisions with your systems and people.
- Payment products
- Wallets and remittance
- Treasury operations
- Reconciliation and close
BNK-8841$4,280.00 from Example Ltd
Tue 12 Nov, wire
INV-20418, same amount96%BNK-8837$1,150.00 from Northwind
Mon 11 Nov, ACH
INV-20377, paid a day late91%BNK-8829$612.40 from Acme Retail
Fri 8 Nov, card
Split across 2 invoices72%BNK-8820$9,900.00, payer unknown
Thu 7 Nov, wire
No match, ask the payer38%
Match payments
Three points where financial products leave the work to people.
- 01
A pending transfer becomes a support ticket.
The user sees a status without a reason, then opens a ticket and waits for someone to trace it.
- Read the transaction trail
- Explain the state and next step
- Retry or hand off with context
01
- 02
Reconciliation exceptions delay the close.
Unmatched lines sit in a spreadsheet while the finance team waits for enough evidence to act.
- Propose a match with evidence
- Rank exceptions for review
- Keep a person on final approval
50%
of finance teams report taking at least 6 business days to close
Ledge, 2025 - 03
Documents arrive and people retype them.
Invoices, statements and remittance notes arrive by email or PDF before a payment can be matched.
- Extract fields from the document
- Show the source beside each field
- Flag duplicates before payment
$12.88
average invoice processing cost, compared with $2.78 for best in class
Ardent Partners State of ePayables 2024, via Bottomline
An AI layer for financial products and operations.
Established product teams and financial operators bring us work that still depends on a person reading a trail, checking a document or answering a status question. We build the layer above the core systems with clear review points.
For teams that build financial software
Payment platforms
- Assemble evidence for disputes
- Choose retry timing from state
- Answer payment questions from records
- Give developer agents safe tools
Wallets and money apps
- Explain personal spending history
- Pause or freeze through chat
- Resolve common support questions
- Help amend a delayed transfer
Treasury and cash operations
- Forecast cash by account
- Answer with the query shown
- Explain balance variance
- Review actions before execution
Reconciliation and close
- Describe matching rules plainly
- Rank ambiguous matches
- Draft a variance explanation
- Let finance review and adjust
Spend and expense
- Check policy before approval
- Capture receipts at purchase
- Draft a usable memo
- Answer policy questions in Slack
Payables and receivables
- Capture invoices and line codes
- Find duplicate bills
- Read remittance advice
- Surface late payment risk
For teams that run a wallet or payment product
Remittance, mobile money, payroll and prepaid products. We make the first transaction clearer, explain failures and give support the evidence needed to resolve the next one.
- 01
Move a new user to a first transaction.
Guide setup, funding readiness and the transaction composer so a registration reaches a completed send with fewer unanswered questions.
Talk to us about this - 02
Give failed and pending transactions a next step.
Explain each state in plain language, then offer the right path to retry, correct, wait, cancel or reach a person.
Talk to us about this - 03
Make the second transaction easier to start.
Use the receipt and product events to suggest a relevant next action, then build reactivation paths for users who go quiet.
Talk to us about this - 04
Send support the transaction, not just the ticket.
Attach the status trail and actions already attempted so the agent can solve the case without requesting the same reference again.
Talk to us about this
Four rules for a safe financial layer.
- 01
The AI proposes; a person confirms.
Nothing that moves money or closes an exception happens without a clear person's approval.
- 02
Show the source for every answer.
A match, extraction or explanation carries its reason and the record line behind it.
- 03
Let confidence choose the route.
Clear cases can complete with guardrails. Unclear cases go to a review queue.
- 04
Keep a person one step away.
The assistant shows the path to a human and passes along the context already gathered.
Where this industry usually starts
AI Automation & Agentic AI
Reconciliation, document extraction, dispute triage, and status follow-up repeat at volume. We build the reviewable layer around the core system and keep approval with the right operator.
AI Product & UX Design
Money questions need a visible source, clear state, and a safe next step. We design uncertainty and escalation into the experience before the assistant reaches a customer or finance team.
AI Experience (AX) Audit
A support bot can be busy without reducing tickets or improving resolution. We trace the transaction path, identify the evidence gap, and set a baseline such as tickets per thousand transactions or hours per close.
The layer works above the financial core.
Core banking, ledgers, processors and documents remain the source of truth. The AI layer makes their state easier to query, review and act on.
Core banking systems
Thought Machine, Mambu
Card issuing
Marqeta, Lithic
Payment processing
Stripe, Adyen
Open banking data
Plaid, TrueLayer
Ledgers and payment operations
Modern Treasury, Formance
Accounting and ERP
NetSuite, QuickBooks, Xero
Payment rails
ACH, FedNow, ISO 20022
Customer support
Zendesk, Intercom
The questions that decide it.
What does it cost to add AI to a financial product?
We start with the AI Experience Audit, a fixed price two week sprint. It produces a fixed build price, and the audit fee is credited to that build. Current numbers are on the pricing page.
Can you work with our processor, core and ledger APIs?
How long does the first financial AI feature take to ship?
How do you keep answers about money accurate?
What happens when the financial assistant is uncertain?
Which financial workflow should we build first?
How do we know it reduced tickets or close time?
Show us the financial work still done by hand.
One call, 20 minutes. We will separate the safe AI layer from the core ledger work, name the review points and define the metric worth testing.
- NDA from the first conversation.
- Response within 24 hours, guaranteed.
- Founder-led from first call to handoff.
