Accounting that runs
on pure intelligence.
EliteBooks is an AI-powered financial operating system with autonomous agents handling invoicing, expenses, payroll, reporting, FinOps, and personal finances — all automated and clearly explained.
Desktop PWA & Multi-OS Native Icon Hub
Zero-latency standalone desktop app · Windows 10/11 · macOS Sonoma+ & iOS · True binary .ico & .icns · Direct asset downloads.
Run EliteBooks natively on your desktop without browser address bar clutter or tab management overhead. Use Google Chrome to download and install the PWA on Windows PCs with 1-click Start/Taskbar pinning, and use Apple Safari to add EliteBooks to the Dock on Macs (macOS Sonoma+) or Home Screen on iOS. Features genuine binary Windows .ico multi-resolution icon generation (16px to 256px) for custom desktop shortcut properties, native Apple .icns mipmap containers and 1024px Retina masters for macOS Dock and Finder customization, and step-by-step interactive visual tutorials.
- Chrome for Windows (Recommended): 1-click desktop PWA install trigger via beforeinstallprompt in Google Chrome, automatically creating Start Menu, Desktop, and Taskbar shortcuts
- Apple Safari for Mac (Recommended): Native Safari 17+ "File > Add to Dock" walkthrough on macOS Sonoma & Sequoia to run EliteBooks as an isolated, independent Mac app in your Dock
- True Windows Icon Binary (.ico): Custom-compiled multi-resolution binary ICO containing 16x16, 32x32, 48x48, 64x64, 128x128, and 256x256 frames, ensuring complete compatibility with Windows Explorer "Change Icon..." shortcut dialogs
- Apple macOS ICNS & Touch Icon: Native Apple ICNS file format for macOS Finder folder and application customization, alongside 180x180 px iOS Web Clip and 1024x1024 px Retina master PNGs
- iOS & iPadOS Add to Home Screen: Complete visual guide for adding EliteBooks via Mobile Safari with native splash screens and full-screen touch navigation
- Offline Resilience & Cache Routing: Service-worker ready with responsive local caching and instantaneous startup velocity
- Dedicated Navigation & Settings Trigger: Directly accessible via the Dashboard Top Header action bar and Settings > "Desktop App & PWA Icons"
AI Receipt Capture, Vision Extraction & Human-in-the-Loop Expense Approval
Mobile & webcam capture · Drag & drop · GPT-4o Vision OCR · Zero synthetic data · Mathematical reconciliation · Chained audit trail · HITL Review.
Autonomous financial computer vision pipeline embedded natively at the top of the EliteBooks Expense workflow (/dashboard/expenses). Allows users to photograph receipts using mobile rear-facing phone cameras, desktop webcams (with live framing reticle), upload image/PDF files, or drag-and-drop receipts. Powered by OpenAI Vision (GPT-4o with automatic fallback to GPT-4o-mini), extracting merchants, dates, itemized line items, subtotal, sales tax, tip, payment method, and totals into canonical EliteBooks expense categories with explicit confidence scores. Operates under a strict zero-synthetic-data guarantee — unreadable receipts fail cleanly with actionable instructions rather than inventing synthetic placeholders ($46.11). Delivers interactive split-pane review with 100% zoom and 90° rotation, mathematical reconciliation checks, cross-ledger duplicate detection, and mandatory controller approval before ledger posting. Immediately logs immutable RECEIPT_SCANNED and RECEIPT_EXPENSE_APPROVED blocks in the AI Agent Activity hub.
- Universal Ingestion: Real-time hardware camera capture on mobile, live desktop webcam viewfinder with framing reticle (ReceiptCameraModal.tsx), file upload, and drag-and-drop
- Pre-Flight Inspection: Inspect captured frames with "Retake Photo" and "Use This Receipt" to ensure sharp, legible image inputs before AI parsing
- Dual-Tier OpenAI Vision OCR: Native GPT-4o and GPT-4o-mini multimodal models accurately transcribe vendors, dates, line items, subtotals, taxes, tips, and transaction totals
- Zero-Synthetic-Data Guarantee: Completely eliminates mock fallback numbers ($46.11); unreadable receipts fail cleanly with actionable photo instructions
- Intelligent GL Category Mapping: Automatically maps merchants (Dollar General, Starbucks, Delta, Shell, Staples, AWS, etc.) into canonical accounts with confidence scores
- Dynamic Custom Category Entry: Selecting "Other..." instantly displays an autofocused, two-way bound custom category text field that saves custom tags directly to the ledger
- Category History Deep Dive & Transaction Ledger: Click "View more" on any category card to inspect the complete consolidated transaction ledger within Step 1 (Multi-Vendor Ingestion & Batch Consolidation), featuring instant record search, live spend totals, receipt links, payment methods, and GL 5000-series reconciliation verification
- Mathematical Reconciliation Engine: Deterministically verifies Subtotal + Tax + Tip = Total, visually highlighting any calculation discrepancies
- Real-Time Duplicate Detection: Compares vendor name, transaction date, and dollar amount against existing ledger expenses to prevent duplicate entries
- Split-Pane Review Workspace: High-resolution image canvas with zoom (+/-), 90° rotation, client-side canvas compression (<120KB), and inline editable expense form fields with interactive posting indicators (ReceiptReviewModal.tsx)
- Strict Zero Autonomous Ledger Posting (Mandatory HITL): Extracted receipts never commit directly to the general ledger without human review, editing, and signoff
- Cross-Module Integration: Available natively across both Operating Expenses (/dashboard/expenses) and Personal Finances (/dashboard/personal) with automatic personal segregation and founder draw synchronization
- Automatic Merchant / Payee Contact Directory Capture: Review modal features a 1-click toggle to save newly scanned merchants directly into the Contacts & Vendors directory as Company or Person with instant typeahead linking
- Cryptographically Chained Audit Trail: Appends immutable SHA-256 blocks (RECEIPT_SCANNED and RECEIPT_EXPENSE_APPROVED) under Receipt Vision OCR Agent, displayed in plain language in AI Agent Activity
AI Agent Activity Hub & Plain-Language Audit Trail
Real-time agent timeline · Plain language (ages 10–100) · Helper filtering · Cryptographic SHA-256 block chain verification · SOC 2 ICFR.
A transparent, centralized operational timeline (/dashboard/agent-activity) recording every action executed across your organization by autonomous AI agents. Backed by the tenant-isolated, append-only SHA-256 chained audit lock (auditLock.getTenantAuditTrail). Translates complex system mutations and JSON payloads into plain, human-friendly sentences (e.g. "Scanned and extracted a receipt — Dollar General", "Added an expense — Hannaford"). Features instantaneous text search, helper-specific filtering (Receipt Vision OCR Agent, Banking Intelligence Agent, Recurring Billing Agent, Payroll Agent), and tap-to-expand forensic proof detailing cryptographic hashes, timestamps, and execution notes.
- Plain-Language Translations: Universal plain-language vocabulary accessible to non-accountants and operators from ages 10 to 100
- Real-Time Ingestion: Instantly reflects receipt scans, expense approvals, recurring autopilot runs, bank feed matches, and payroll calculations
- Helper-Specific Filtering: One-click filtering by specific AI helper (Receipt Vision OCR Agent, Banking Recon Agent, Recurring Billing Agent, etc.)
- Cryptographic Block Chain Verification: Verifies SHA-256 block hash integrity, parent hashes, and tenant head pointers for continuous SOC 1/2 compliance
- Forensic Detail Drawer: Tap any activity line to inspect complete technical proof, transaction amounts, timestamps, actors, and metadata diffs
- Zero Fabricated Proof: Deep-dive inspector surfaces only genuine audit records; never generates synthetic mock confidence or tax figures
- Dedicated REST Endpoint: Full programmatic access via /api/agent-activity with tenant isolation and server-side authentication guards
AI Spreadsheet-to-Expense Extraction, Human Review & Ledger Approval
Excel & Google Sheets sync · Dynamic structure detection · Semantic mapping · Cross-ledger duplicate screening · HITL Review.
Intelligent spreadsheet-to-expense import and synchronization engine. Ingests messy, inconsistent Excel spreadsheets (.xlsx, .xls, .csv, .tsv) or connects directly to live Google Sheets via shareable links. Automatically scans header rows (0–15), filters non-expense rows (deposits, transfers, subtotals, blank lines, notes), maps columns semantically to canonical EliteBooks fields, normalizes dates and amounts, classifies expenses into standard GL accounts, screens cross-ledger duplicates against live Firestore expenses, and presents an interactive review table for human inspection, inline cell editing, and partial/batch ledger posting with cryptographic audit sealing.
- Universal Format Support: Multi-format parsing for .xlsx, .xls, .csv, .tsv, and live Google Sheets URL streaming with multi-tab worksheet selection
- Dynamic Header & Structure Detection: Scans rows 0–15 to locate true column headers even with title banners, metadata, or blank rows above data
- Intelligent Row Exclusion: Automatically identifies and filters out income/deposits, account transfers, subtotals, blank rows, and trailing notes
- Semantic Column Mapping: Maps non-standard headers (e.g. "Merchant Name", "Debit", "Cost", "Booking Date") to canonical EliteBooks fields
- Automated General Ledger Classification: Classifies items into canonical GL accounts (Software SaaS, Office Supplies, Travel, etc.) with confidence scores
- Real-Time Cross-Ledger Duplicate Screening: Detects potential duplicates against live existing Firestore expenses by matching vendor, amount, and date window
- Interactive Spreadsheet Review Table: Full-featured modal with row checkboxes, inline editing (Date, Vendor, Amount, Category, Description), and duplicate warnings
- Zero Ledger Bypass (Mandatory HITL): Extracted expenses never post automatically; requires explicit human selection, verification, and approval
- Audit Provenance & Cryptographic Sealing: Approved items are posted to the ledger with field-level user override diffs and immutable SHA-256 chained audit blocks
Autonomous Recurring Engine & Autopilot Schedules
Automated recurring billing · Scheduled subscriptions & bills · In-app auto-catchup · Cryptographic ledger audit · Universal management hub.
Autonomous financial autopilot engine running recurring billing cycles and recurring operating expense schedules without manual intervention. Automatically evaluates active templates, generates sequential child invoices and vendor disbursements, advances scheduling dates (weekly, bi-weekly, monthly, quarterly, annually), checks end dates, and appends cryptographically sealed audit blocks into the organization ledger. Includes an intuitive, all-ages Recurring Autopilot Hub to inspect upcoming runs, pause/resume schedules with one click, or force immediate catch-up.
- Automated Invoicing Autopilot: Turn any invoice into a recurring subscription with weekly, bi-weekly, monthly, quarterly, or annual frequencies
- Scheduled Expense Bills: Auto-record recurring vendor disbursements (cloud hosting, SaaS, rent, utilities) with sequential ledger posting
- In-App Autonomous Catchup: Automatically evaluates and logs due recurring items whenever users access their dashboard or ledgers
- One-Click Autopilot Management Hub: Unified modal (/dashboard/invoices and /dashboard/expenses) to review all active/paused schedules in plain English
- Instant Pause & Resume Controls: Toggle automatic billing cycles on or off anytime with zero destruction of historical billing records
- Cryptographic Ledger Audit Trail: Every recurring invoice and expense generation appends an immutable SHA-256 block attributing the action to Recurring Billing Agent or Recurring Expense Agent
- Clean Visual Badging: Distinguishes recurring template parents from auto-generated cycles with plain-language recurrence tags across tables
- Dedicated API Surface: Full GET, POST, and PATCH support at /api/recurring for programmatic trigger, schedule updates, and automated reporting
Weekly Financial Breakdown (Wk 1–Wk 5)
Week + Month + Year filtering · Weekly OPEX, billing, owner-draw and cloud-cost views across Expenses, Invoices, Personal and FinOps.
Break down your finances by week, not just by month. A unified Week/Month/Year filter and one-click Monthly/Weekly toggles reveal intra-month cash-flow swings in operating expenses, invoice billing vs collections, personal household spend vs owner draws, and multi-cloud FinOps costs.
- Accounting weeks: Wk 1 = 1st–7th, Wk 2 = 8th–14th, Wk 3 = 15th–21st, Wk 4 = 22nd–28th, Wk 5 = 29th–end of month
- Expenses: "By Category / By Week" breakdown with weekly spend, record counts and top category
- Invoices: weekly Billed vs Collected revenue chart
- Personal Finance: weekly Owner Draw vs Personal Spend
- Cloud FinOps: new date filter and weekly AWS / GCP / Azure / M365 / AI API spend
- API support: /api/expenses, /api/invoices and /api/reports accept a week parameter
Intelligent Contact & Vendor Management (Business Identity Layer)
Centralized business directory · Smart capture · Multi-address routing · Deduplication & merging · Immutable accounting integrity.
Foundational business identity system connecting customers, vendors, businesses, contractors, and individuals across EliteBooks. Features real-time autocomplete search, multiple address routing (Billing, Shipping, Business, Home), inline "Save to Contacts" capture with intelligent diff detection, multi-signal duplicate scanning, and non-destructive merging that preserves 100% of linked accounting history while keeping finalized historical documents immutable.
- Centralized Business Identity Directory: Manage Customers, Vendors, Clients, Suppliers, Contractors, and Partners in a unified hub (/dashboard/contacts)
- Multi-Classification Support: Entities can be both Customers and Vendors simultaneously with dual financial ledgers
- Smart Autocomplete in Invoices & Expenses: Type-ahead search across names, companies, emails, phone numbers, and addresses with 1-click population
- Multi-Address Routing: Preserve separate Billing, Shipping, Business, and Home addresses with contextual assignment during invoicing
- Inline Capture with Diff Detection: "Save to Contacts" toggle on invoices/expenses with intelligent prompts when new addresses differ from saved records
- Multi-Signal Duplicate Detection: Compares names, emails, phone numbers, and street addresses before creation to prevent directory sprawl
- Non-Destructive Contact Merging: Consolidate duplicate records while automatically re-pointing all associated invoices and expenses with zero loss of financial history
- Immutable Accounting Integrity: Modifying contact details never retroactively alters finalized historical tax invoices or expense receipts
- Interactive Contact Quick Cards: Clickable customer and vendor names across ledgers open instant profiles with financial metrics and 1-click action triggers
- Application-Layer Envelope Encryption (ALE): Sensitive Tax IDs and EINs protected with GCP Cloud KMS envelope encryption with masked presentation
Compliant Printable Paystubs, Dynamic Branding & Universal Transaction Audit Ledger
IRS Circular E & 1099/W-2 vouchers · Custom company branding & logo · Real-time creation & update timestamps · Tenant-isolated audit trail.
Enterprise payroll and transaction governance suite enabling businesses and operators to produce authentic, IRS Publication 15 compliant printable earnings statements and pay vouchers with customized corporate branding (legal name, DBA, EIN, physical address, and logo). Delivers real-time creation and update timestamping across workforce profiles, and cryptographically records every transaction (invoices, expenses, payroll, HR, personal, inventory) into a tamper-evident, searchable tenant audit ledger.
- IRS Circular E (Publication 15) & Form 1099-NEC compliant printable earnings statements & pay vouchers
- Dynamic Organization Branding: Custom corporate legal name, DBA, federal EIN, physical address, and high-res logo upload via Settings
- Exact 8.5" x 11" Clean Print Layout: Browser-optimized @media print styling for crystal-clear paper printing and vector PDF export
- Real-Time Timestamp Precision: Accurate Date Added and Last Updated timestamps across Payroll and HR workforce tables with zero hardcoded defaults
- Universal Tenant Transaction Audit Ledger: Automated SHA-256 chained audit blocks for all creates, edits, restores, and purges across Invoices, Expenses, Payroll, HR, Personal, and Inventory
- Multi-Field Ledger Search: Instant filtering across action types, member @usernames, financial amounts, transaction notes, and cryptographic hashes
- Dual W-2 & 1099 Support: Complete gross-to-net calculations for salaried employees, hourly workers, independent contractors, and personal owner draws
Super Admin User Governance, Recovery Area & Cryptographic Audit Trail
Zero-data-loss user lifecycle · Member attribution · Omni-field search (username, date, item, amount) · Zero admin financial visibility.
Enterprise governance console empowering Super Administrators to provision users, enforce strong password policies, enable/disable access, and govern quarantined deleted items. In the Recovery Area, admins view the member account name and @username, exact archival date and 12-hour timestamp, item title, and valuation amount, with a multi-field search engine across username, date, item name, and amount. Firestore retains data for up to 6 months before automated purge with strict zero admin financial privacy.
- Administrator user provisioning (Firebase Admin SDK & multi-tenant Firestore RBAC synchronization)
- Immediate credential resets with strong password generation and session token revocation
- One-click user suspension and reactivation with zero destruction of historical financial state
- Recovery Area Member Attribution: Displays member account name, @username, and organization for every deleted item
- Archival Timestamping: Precise date and 12-hour clock time indicating when each item entered quarantine
- Multi-Field Search Engine: Instant filtering across username (@handle), date, deleted item name, and amount
- 60-Day Recovery Queue & 6-Month Extended Archive Vault with 1-click restoration back to active ledgers
- Strict Zero-Financial-Data Privacy Guarantee: Admins audit recovery metadata with zero visibility into private member ledger dossiers
- Cryptographically verified SHA-256 chained platform audit logging tracking all administrative & financial events
Universal Multi-Field Search & Member Attribution Engine
4-field real-time omni-search · Member account attribution · Precise timestamping · Invoices, Expenses, HR, FinOps & Personal.
Standardized omni-search and attribution engine deployed universally across all core financial workspaces: Invoices, Expenses, HR & Payroll, FinOps Cloud Intelligence, and Personal Finance. Users can query by member @username, date & time, item name/description, and monetary amount simultaneously with live record counts, instant search clearing, and member avatar badges.
- Simultaneous 4-field search: @username, date/time, item name/description, and dollar amount ($)
- Invoices: search by @creator, issue/due date, invoice #, client, description, and invoice total
- Expenses: search by @submitter, transaction date, vendor, category, description, and expense amount
- HR & Payroll: search by @username, hire date, employee name, role, department, and salary/wages
- FinOps: search by @operator, billing date, cloud provider (AWS/GCP/Azure/OpenAI), resource, and spend
- Personal: search by @username, transaction date, merchant, category, description, and payment amount
- Member Account Attribution: gradient avatar badge, member display name, and @username handle
- Precise Timestamps: visual Calendar and Clock badges with 12-hour formatting across all tables and cards
- Live dynamic counter ("Showing X of Y") and 1-click instant search clear ("X") button
GCP Cloud KMS Application-Layer Envelope Encryption & Database Hardening
AES-256-GCM authenticated encryption · Sub-millisecond DEK caching · Zero-downtime dual-read · SOC 2 & PCI-DSS 4.0.
Hardware-grade database-at-rest hardening coupling Google Cloud KMS Key Encryption Keys (KEK) with authenticated AES-256-GCM Data Encryption Keys (DEKs). Protects sensitive bank account numbers, ABA routing numbers, Plaid access tokens, and tax IDs directly in application memory before persistence to Firestore. Features sub-millisecond in-memory LRU key caching and zero-downtime dual-read backward compatibility.
- GCP Cloud KMS KEK wrapping protecting ephemeral 256-bit AES-GCM Data Encryption Keys (DEKs)
- Field-level authenticated encryption (96-bit IV, ciphertext, 128-bit GCM tag) for all financial credentials
- Process-local in-memory LRU key cache delivering sub-millisecond (<1ms) cryptographic execution
- Zero-downtime dual-read compatibility seamlessly handling Schema v1 plaintext and Schema v2 envelopes
- Satisfies SOC 2 Type II (CC6.1, CC6.6, CC6.8), PCI-DSS 4.0 Req 3, and GLBA 501(b) safeguards
Zero-Trust Multi-Tenant Isolation & Cryptographic Boundary Architecture
Cryptographic tenant partition · Zero default fallbacks · Sterile workspace.
Enterprise-grade multi-tenant privacy architecture enforcing strict cryptographic partitioning across all 31+ API endpoints, Firestore collections, Pinecone vector namespaces, GraphRAG topological networks, and Model Context Protocol (MCP) server tools. Completely eliminates legacy shared fallbacks, ensuring unauthenticated requests receive strict 401 Unauthorized status and new tenants experience a sterile, private workspace with zero cross-tenant contamination or synthetic ghost fixtures.
- 100% authenticated server-side route guards (resolveAuthorizationContext) with zero fallbacks
- Strict Firestore collection tenancy (/organizations/{orgId}/*) for all HR, Banking, and Ledger data
- Pinecone vector namespace partitioning (namespace: orgId) ensuring isolated RAG embeddings
- Sterile zero-state workspace: zero phantom bank balances, employees, or synthetic vendors
- MCP tools & Agentic Swarm guards reject unauthenticated or ambiguous cross-tenant requests
GraphRAG Financial Knowledge Graph & 5-Tier Topology Engine
5-tier lifecycle topology · High-legibility enlarged nodes · Reinforced directional Bézier routing · Pan & zoom canvas.
An enterprise GraphRAG topology engine mapping multi-hop financial relationships across a spacious 5-tier financial lifecycle: 1. Clients (AR) → 2. Invoices → 3. Central Treasury Hub → 4. Operating Disbursements → 5. Vendors & Services. Built with high-legibility geometry: enlarged node radiuses (26px–34px), bold high-contrast typography (13px primary, 11.5px values), reinforced 3.0px–4.5px cubic Bézier connectors with 10px–11px directional arrowheads, dynamic vertical canvas expansion, dual-subcolumn staggering for high-density tiers, and responsive interactive pan-and-zoom controls.
- 5-Tier Financial Lifecycle Flow: Clients (AR) → Invoices → Central Treasury Hub → Disbursements → Vendors
- High-Legibility Enlarged Nodes: Prominent 26px–34px node radii with vivid tier accents, dual-ring aura halos, and bold 13px typography for instant readability
- Reinforced Directional Connectors: Bold 3.0px default and 4.5px highlighted Bézier arcs with enlarged 10px–11px arrowheads terminating cleanly at node perimeters
- Collision-Free Node Geometry: Guaranteed 80px+ vertical spacing with dynamic canvas height scaling and dual-subcolumn staggering (±28px)
- High-Contrast Frosted Label Pills: Dark frosted backdrops (rgba(12, 19, 34, 0.94)) ensure 100% label legibility across dark and light viewports
- Interactive Pan & Zoom Navigation: Mouse drag-to-pan, precision zoom controls (+/-), and 1-click reset for effortless executive audit exploration
- Neighborhood & Slide-Over Inspector: 1-hop and 2-hop neighbor path illumination with verified ledger property inspection
Executive Voice Audio Briefing (OpenAI TTS & Whisper)
Decision-grade audio cockpit · Calm persona · Play, Pause, Stop.
Listen to decision-grade audio briefings delivered in a calm executive voice (Alloy / Nova) synthesized by OpenAI TTS-1-HD with full Play, Pause, and Stop player controls. Delivers live time-of-day greetings, accounts receivable summaries, critical payroll and tax alerts, and explicitly isolates deleted records to ensure complete ledger transparency.
- Play, Pause, and Stop audio controls with waveform visualization
- Dynamic time-of-day executive greetings & live metrics
- Open vs. overdue invoice summaries and statutory deadlines
- 30-Day Recovery Vault exclusion & zero-ghost-data guarantee
- Whisper STT push-to-talk hands-free queries
Agent-to-Agent (A2A) High-Level Mathematics & Enterprise MCP Math Engine
ASC-606 revenue recognition · Dynamic runway · Invariant proofs · MCP Compute.
A stateful LangGraph consensus machine and Model Context Protocol (MCP) mathematical engine coordinating specialized autonomous agents over the Agent-to-Agent (A2A) message bus. Executes complex, high-level financial mathematics — including ASC-606 milestone revenue recognition, true net burn rate, aging corridors, Base/Bull/Bear scenario forecasting, unit economics, statutory tax reserves, and double-entry trial balance equilibrium proofs — via the standardized financial_math_compute MCP tool with zero hardcoded mocks and zero ghost data leakage.
- Standardized Model Context Protocol (MCP) tool: financial_math_compute
- LangGraph stateful shared ledger context across 15+ agents
- Mathematical double-entry invariant validation (Debits === Credits)
- Multi-scenario burn rate & runway forecasting (Base/Bull/Bear)
- Real-time soft-delete filtering eliminating deleted entities
Smart Contract Studio & Autopilot
Zero-code smart contract creation with Autopilot & HITL gates.
6-step conversational AI wizard that designs, fuzz-tests (256 property iterations), audits (Slither static analysis), and packages smart contracts for Base, Arbitrum, and Ethereum with zero-hot-key Human-in-the-Loop cryptographic gates.
- Institutional Yield Vaults (ERC-4626) & Escrows
- Autonomous Foundry fuzzing & Invariant testing
- Slither & Aderyn static vulnerability detection
- Safe Multisig & Hardware Wallet Gate 3 signing
AI Agent Activity Feed
See everything your AI helpers did, in plain language.
A single easy-to-read timeline of every action taken by your AI agents (adding expenses, approving items, sending reminders). Each entry says what happened, which helper did it, the amount and the time. Tap any item to see technical proof. Designed to be simple enough for ages 10 to 100.
- Every AI agent action in one newest-first timeline
- Plain-language sentences instead of accounting jargon
- Search and filter by AI helper, vendor, or action
- Tap to expand for notes and cryptographic proof
- Large text and big tap targets for accessibility
Agentic Audit & Trust Center
Continuous SOC 1 & SOC 2 cryptographic compliance & Evidence-Chain architecture.
Bridges autonomous AI accounting agents with an immutable SHA-256 transactional action ledger, continuous automated SOC 1 / SOC 2 control assertions, domain-separated Merkle tree inclusion proofs, and persistent Human-in-the-Loop (HITL) override auditing.
- Mathematical SHA-256 transactional chain integrity & head locking in Firestore
- Evidence-Chain provenance linking input record digests, prompt hashes & model versions
- Authentic domain-separated Merkle tree inclusion proofs verified via live API
- Persistent Human-in-the-Loop (HITL) queue & auditable human override diffs
- Verifiable Claims & Dispute Arbitration: 1-click portable Evidence Manifests (W3C PROV-O) & public /api/disputes/verify
- Base L2 Merkle tree state seals on BaseScan via Coinbase CDP Wallets
- Pre-response verification agent for mathematical invariants & zero hallucinations
Coinbase CDP Non-Custodial Wallets
Programmatic EVM treasury & smart accounts on Base.
Server-managed, non-custodial EVM wallets powered by the Coinbase Developer Platform SDK. Enables automated payroll disbursements, spend permission policies, and gas-sponsored EIP-7702 smart account execution.
- Zero private key disk exposure (Ed25519 & Wallet Secrets)
- Base Mainnet & Base Sepolia testnet execution
- Smart account spend permissions & auto-caps
- Direct integration with blockchain notary seals
Sovereign Banking Engine, Direct Credential Login & MFA Verification
12,000+ banks connected · Real Credential Authentication · MFA/2FA Challenges · Zero Stored Credentials.
Connect checking, savings, credit card, and treasury accounts across 12,000+ financial institutions. EliteBooks provides direct online banking credential authentication with show/hide password controls, interactive multi-factor authentication (MFA/2FA) verification code challenges, our sovereign open banking catalog, and dynamic custom institution linking. Streams live feeds with an autonomous self-healing reconciliation engine that matches ledger entries, resolves minor rounding and fee variances (≤ $1.00) via balanced reversing entries, and guarantees credentials are never persisted to disk.
- Universal institution search across 12,000+ banks, credit unions, and digital fintechs
- Direct online banking credential sign-in with interactive username and password validation
- Multi-factor authentication (MFA/2FA) challenge flow with SMS/email one-time passcode verification
- Zero-stored-credentials guarantee: bank-grade 256-bit TLS connection with ephemeral token exchange
- Dynamic custom institution linking: connect any financial institution without dead-ends
- Self-healing auto-reconciliation (≤ $1.00 variance) and balanced reversing entries
- Multi-account cash aggregation, cursor-based incremental sync & fee forensics
In-App PayPal Connect, Live Cash Wallet, CSV & Vision OCR Scanner
In-App Direct Connect · Real-Time Wallet Balance · 41-Col CSV Activity Reports · Vision OCR Statements · HITL Review.
Direct production in-app integration with PayPal Business (https://www.paypal.com/us/business) with zero sandbox errors and zero mock data. Connect seamlessly via an in-app OAuth popup bridge or direct API keys without navigating away from your dashboard. EliteBooks synchronizes live digital wallet cash balances into the depository Cash KPI, retrieves expenses and invoices, parses official 41-column PayPal Activity CSV exports with automated authorization-hold deduplication, and provides an autonomous Computer Vision OCR scanner for PDF statements with 1-click ledger posting directly from Expenses and Banking.
- In-App OAuth popup bridge and direct API credential configuration with zero page redirects
- Real-time PayPal digital wallet cash balance streaming into Banking dashboard & Total Cash KPI
- Official 41-Column PayPal CSV Activity parser: smart deduplication of General Authorization holds vs. settled payments
- Direct Expenses Ledger Integration: "Scan PayPal" button in Expenses header for instant CSV and OCR statement ingestion
- Computer Vision & Banking OCR scanner: drag & drop monthly statements/receipts for instant extraction
- Zero-mock data guarantee: only genuine, verified production transactions enter your ledger
- Automated transaction search, expense downloads, invoice sync & fee forensic breakdown (2.9% + $0.30)
- Multi-attribute intelligent duplicate scoring (Exact, High, Medium, Low) with 1-click HITL resolution
- Human-in-the-Loop review queue ([Approve Match], [Import as New], [Reject]) with full audit trail
- Natural language Agentic Copilot PayPal commands & fee forensics
Computer Vision & Banking OCR
Visual intelligence powered by Computer Vision OCR.
Transform paper statements, checks, wire confirmations, and deposit slips into structured general ledger data. Account numbers are tokenized in RAM via our Ephemeral PII Vault before AI extraction.
- Complex table & transaction extraction
- Check payee, amount & memo parsing
- Ephemeral PII Vault account masking
- Sub-second visual processing
Autonomous Expense Report AI Scanner
Batch OCR · NLP Categorization · Human-in-the-Loop Approval.
Upload up to 500 expense reports in a single batch. The Expense Report AI Agent applies Computer Vision, OCR, and NLP to extract every line item — vendor, amount, date, tax, GL category, payment method, and personal vs. business classification — then stages results for Human-in-the-Loop (HITL) review before posting to the general ledger. Original files are preserved in an accessible archive.
- Batch scan up to 500 reports simultaneously
- Expanded category intelligence: Groceries, AI Services, and Cloud Services
- Interactive "Add to Personal Expenses" toggle switch for corporate veil isolation
- OpenAI Computer Vision OCR & NLP extraction
- HITL staging with one-click ledger approval
- Edit, Delete, 30-day Recovery Bin & Permanent Deletion for items & reports
- Original document preservation & download
Autonomous Expense Approval Agent & Universal Reminders
Real-Time Policy Sentry · Human-in-the-Loop Review · Universal Reminders.
When any expense is logged manually, via receipt OCR, or through banking sync, the autonomous Expense Approval Agent inspects the transaction for duplicate charges, spend threshold compliance, and GL accuracy. Transactions are staged in a Human-in-the-Loop gate with executive controls: Approve & Post, Remind Me Later (custom snooze), or Reject. Universally, all pending expenses automatically receive scheduled reminders so no transaction is neglected.
- Autonomous policy validation: duplicate detection, $500/$2500 spend thresholds, and GL category matching
- Interactive Human-in-the-Loop (HITL) review card with AI confidence rating and compliance reasoning
- Universal automated reminders: every pending expense is guaranteed a scheduled reminder
- Flexible snooze options: In 1 Hour, Tomorrow 9:00 AM, In 3 Days, or Next Week
- Pending review queue with 1-click ledger approval and bulk approval of low-risk items
- Integrated soft-delete quarantine to 30-Day Recovery Bucket upon rejection
Multi-Domain Recurring Autopilot & HITL Governance
Cross-module scheduling · Invoices · Expenses · Personal · FinOps · Human-in-the-Loop review gates · 1-click policy toggling.
Empowers organizations to put recurring financial disbursements and receivables on autonomous Autopilot across four dedicated operational domains: Invoices & Receivables, Operating Expenses, Personal Finance, and FinOps (Cloud & SaaS subscriptions). Built with an interactive configuration wizard allowing controllers to pick existing candidate transactions and establish daily, weekly, bi-weekly, monthly, quarterly, or annual cadences. Features an enforceable Human-in-the-Loop (HITL) Executive Governance toggle (requireHITL): when enabled, autonomous cycles stage disbursements into the Executive Review queue with 24-hour automated reminders instead of auto-posting directly to the General Ledger.
- Multi-Domain Coverage: Unifies Invoices (AR), Operating Expenses, Personal Finance, and FinOps (AWS, GCP, SaaS) under a single Autopilot control center
- Interactive Item Selector: Filter and pick candidate transactions across domains without manually re-typing line items or amounts
- Flexible Recurring Frequencies: Support for daily, weekly, bi-weekly, monthly, quarterly, and annual scheduling with customizable next dates and end dates
- Human-in-the-Loop (HITL) Governance Switch: Toggles between direct ledger auto-posting and mandatory staging in the Executive Review queue with automated reminders
- 1-Click Policy Toggling: Instantly switch between "HITL Review Active" and "Auto-Post Direct" on individual schedule cards
- Cryptographically Sealed Audit Trail: Every Autopilot schedule configuration, pause, resume, and execution is appended to the immutable tenant SHA-256 audit ledger
Advanced Invoice Creator & Agentic AR
Professional billing, automated payment verification.
The all-new Invoice Creator transforms billing into a high-speed, automated workflow. Draft invoices in seconds with a dedicated Paid creation field, inline table status toggling, and proactive Agentic AI inquiries that verify outstanding receivables with individual "Yes, paid" and "No, not paid" actions.
- Dedicated Paid field on creation & editing
- One-click "Mark Paid" table status toggling
- Agentic AI payment verification inquiries with individual Yes/No options
- 30-Day Recovery Bin & Permanent Deletion with audit restoration
- Live calculation of taxes, discounts & branding presets
Unified 60-Day Recovery Bucket & Search Engine
Centralized soft-delete quarantine across all 6 modules with member attribution.
Guarantees deleted items from Invoices, Expenses, Payroll, Personal, Inventory, and FinOps are never prematurely lost. Safeguards records with automated 60-day countdown timers, member account name attribution (@username), exact archival date and 12-hour timestamps, valuation display, and a 4-field search engine (username, date, item name, amount).
- Universal quarantine bucket for Invoices, Expenses, Payroll, Personal, Inventory, and FinOps
- Member Account Attribution: Clear display of user account name, @username, and organization
- Archival Timestamping: Exact calendar date and 12-hour clock time recorded at the moment of deletion
- Multi-Field Search: Real-time filtering across username, date, deleted item name, and monetary amount
- 60-day soft-delete protection with countdown timer and extended archive transition for every record
- One-click restoration that immediately reconnects to original general ledgers
- Irrevocable permanent deletion for full database hygiene
Voice-Driven Agentic Co-Pilots
Autonomous voice control with Whisper STT & Nova TTS.
Command Agentic Co-pilots effortlessly using spoken natural language powered by OpenAI Whisper multilingual speech recognition and receive spoken feedback via OpenAI Nova TTS. Delete and recover records across Invoices, Expenses, Payroll, Personal, Inventory, and FinOps entirely hands-free.
- Multilingual Whisper Speech-to-Text (STT) on all page copilots & floating AI assistant
- OpenAI Nova Text-to-Speech (TTS) natural audio confirmations & report reading
- Voice-driven soft-deletion with automatic 30-Day Recovery Bucket quarantine
- Voice-driven item recovery restoring quarantined records to active general ledgers
- Hands-free voice query status checks ("What is in my recovery bucket?")
Autonomous Agentic Task Completion Engine
Intent-driven financial orchestration with schema awareness.
Upgrades the Copilot into a proactive task execution engine. It understands user intent, recognizes business objects and required fields, reuses existing platform context, asks concise questions when useful, respects user decisions to decline providing information without friction, executes safely with zero fabrication, and reports verified results across all 10 modules.
- Universal 13-stage reasoning loop across all business objects and workflows
- Intelligent questioning for missing info with zero-friction user decline handling ("Just create it")
- Zero-Fabrication Guarantee: Never invents synthetic vendors, customers, or account numbers
- Dual Create & Edit parity: Surgically modifies existing records without creating duplicates
- Seamless Personal vs. Business context awareness based on active page route
- Direct execution via verified platform services (Firestore, Payroll, Self-Healing Reconciliation)
Personal AI Autopilot
Your personal financial autopilot.
Go beyond business. Manage your personal wealth with an autonomous agent that predicts cash flow, protects you from overdrafts, and identifies "hidden money leaks" in your subscriptions.
- 60-day cash flow forecasting
- Instant synchronization with business expenses via "Add to Personal" toggle
- Groceries, AI Services, & Cloud Services category breakdowns
- Subscription leak detection & autonomous bill protection
- Goal-driven auto-savings and IRS corporate veil separation
Streamlined Executive Command Center
Decision-grade AI financial briefings synthesized from live general ledgers.
Empowers leadership with concise, high-impact executive summaries, actionable key findings, and an intuitive 4-card action deck (Executive P&L, Cash Flow Forecast, GAAP Trial Balance, and Multi-Cloud FinOps). Multi-agent back-and-forth audits are neatly tucked into a collapsible consensus log, eliminating clutter and information overload.
- Concise executive summaries without dense transcript dumps
- Instant 4-card executive action deck & omni-inquiry bar
- Real-time general ledger synchronization with zero-state accuracy ($0.00 outstanding receivables when cleared)
- Collapsible Multi-Agent Consensus & Compliance audit log
- 1-click briefing copy and dismiss controls
Universal Multi-Currency Engine
Real-time spot rate conversion across 12+ global currencies.
Provides instant, platform-wide currency switching across all financial dashboards, metric cards, charts, and invoice ledgers. Supports USD, EUR, GBP, CAD, JPY, AUD, CHF, INR, SGD, and leading crypto assets with real-time exchange rate calculations.
- Instant live conversion across 12+ international currencies
- Unified spot rate calculation applied to all dashboard cards and charts
- Client-wide synchronization with dedicated custom currency event bus
- ASC 830 / IAS 21 foreign exchange revaluations and gain/loss tracking
- True zero-state accuracy across all currency views
Cloud & AI FinOps
Optimize AI & Cloud spend autonomously.
Manage Total Technology Value (TTV) across public cloud, SaaS, and AI infrastructure. Our agent monitors GPU/token costs, identifies waste, and executes real-time architectural optimizations.
- FinOps for AI (GPU/Token tracking)
- Automated FOCUS 1.3 spec reporting
- Shift-left architectural cost control
- SaaS license & ITAM integration
Wealth Governance
Full-context financial reasoning.
Beyond simple tracking, EliteBooks provides proactive intelligence on tax optimization, ETF structures, and multi-account debt management with high-level security and trust.
- Real-time tax optimization
- Automated portfolio rebalancing
- Strategic credit score guidance
- Secure full-context reasoning
Autonomous Multi-Currency Agent & Global FX
12 Currencies, Real-Time Spot Conversions & ASC 830 / IAS 21 Compliance.
Empowers global enterprises to operate seamlessly across 12 fiat and crypto currencies (USD, EUR, GBP, CAD, JPY, AUD, CHF, INR, SGD, USDC, ETH, BTC). The autonomous Multi-Currency Agent calculates live spot conversions, tracks cross-border AR/AP exposures, and generates double-entry ASC 830 unrealized FX gain/loss adjustments with zero manual spreadsheets.
- Global 1-click currency switcher across all dashboard views
- Dedicated currency dropdowns & live spot previews on Invoices & Expenses
- US GAAP ASC 830 & IFRS IAS 21 compliant gain/loss revaluation
- Autonomous Multi-Currency Agent with conversational spot conversions & A2A dispatch
- Multi-currency balance evaluation across Banking, FinOps, Payroll, and Inventory
Predictive Intelligence & AR Breakdown
Know the future, not just the past · Paid vs. Outstanding Invoices.
Comprehensive financial statements combined with deep Accounts Receivable forensic breakdowns. The autonomous Reporting Agent calculates cash collection velocity, identifies overdue delinquencies past Net terms, maps the 0-90+ day AR Aging Corridor, and models future revenue and expenses.
- Forensic Paid vs. Outstanding Invoices breakdown & collection velocity %
- Accounts Receivable Aging Corridor (0-30d, 31-60d, 61-90d, 90+d critical)
- Itemized Client Receivables exposure table with real-time payment status
- Multi-Currency foreign exchange revaluation & ASC 830 unrealized gain/loss card
- Autonomous Reporting Agent Copilot with Whisper voice report generation
Autonomous Regulatory Tax Sentry
IRS.gov & State statutory policy intelligence.
Constantly scans IRS.gov, SSA.gov, and State Revenue departments for tax bracket changes, standard deduction updates, and Social Security wage base adjustments with mandatory Human-in-the-Loop staging.
- Continuous IRS & SSA portal scanning
- Monte Carlo net pay impact simulation
- Human-in-the-Loop review & approval gate
- SHA-256 sealed audit lock ledger
Financial HR & Workforce Studio
People, PTO, and 30-Day Recovery Bin.
Autonomous workforce management connecting employee records, project labor timesheets, benefits burden rates (9.8%), and a safe 30-day soft-delete recovery system.
- Full-field profile editor with reactive math
- 30-Day soft-delete recovery countdown
- PTO approvals synced to payroll stubs
- 100% Form W-4, I-9, & W-9 verification
Statutory Payroll & Live Paystubs
Pay your team with IRS 15-T precision.
Penny-accurate gross-to-net payroll using official 2026 IRS Publication 15-T percentage method brackets, FICA Social Security ($184.5k cap), 1.45% Medicare, and state tax tables (NYS-50-T, IL-700-T, CA DE 44).
- IRS Pub 15-T progressive withholding
- Social Security $184,500 wage base cap
- State-specific tax engines (NY, IL, CA)
- Interactive paystub inspector & PDF slips
Predictive Auditing & Continuous Books Quality AI
Dynamic 0–100 Health Score · 7-Day Duplicate Sentry · IRS Sec 162.
Continuously audits live general ledgers to produce a real-time 0–100 Books Health Score. Predictively screens rolling 7-day windows for duplicate vendor disbursements, enforces IRS Section 162 receipt compliance on expenses exceeding $75, flags ambiguous chart-of-accounts allocations, and compiles 1-click CPA-ready audit defense dossiers.
- Real-time 0–100 Books Health Score with deduction breakdown
- Predictive 7-day rolling window duplicate disbursement detection
- IRS Section 162 compliance sentry flagging missing receipts on expenses > $75
- Ambiguous GL bucket screening (misc, other) with GAAP chart alignment
- 1-Click downloadable Quarterly Books Intelligence audit defense dossiers
Visual Financial Reports & High-Fidelity PDF Export
Exact 1:1 on-screen visual parity with Recharts & dark mode styling.
Generates real-time P&L statements, Balance Sheets, Accounts Receivable Paid vs. Outstanding breakdowns, and AR Aging Corridors. With 1 click, export high-fidelity multi-page PDF documents preserving exact dark theme styling, glassmorphic cards, Recharts vector bar charts, donut pie charts, and multi-currency ASC 830 metrics.
- 1-Click instant PDF export with 100% exact on-screen visual parity
- Preserves dark mode gradients (#0b0f19), glassmorphism cards, and theme colors
- High-DPI 2x retina rasterization for Recharts bar charts and donut pie charts
- Complete Accounts Receivable breakdown: collection velocity %, AR aging corridor (0-90+d), and client balances
- Multi-currency spot revaluation (ASC 830 / IAS 21) across 12 fiat and crypto currencies
Intelligent Inventory
Predictive supply chain management.
Track stock across any number of locations. The system uses predictive AI to manage reorder points and calculate COGS dynamically, ensuring you never miss a sale.
- Multi-location sync
- AI reorder triggers
- Real-time COGS analysis
- Supplier integration
Multi-User Isolated Copilot Memory
Zero Cross-User Exposure · User-Scoped Sessions · Per-User Pinecone Namespaces.
Each authenticated user's Copilot session is cryptographically isolated. Chat history is stored under a per-user localStorage key. Server-side session memory uses composite keys (orgId:userId:sessionId) preventing any cross-user bleeding. Long-term Pinecone memory uses user-scoped namespaces with mandatory metadata filters — a user's financial memories are completely invisible to all other users.
- User-scoped localStorage key: elite_chat_history_{userId}
- Composite short-term memory key: orgId:userId:sessionId
- Pinecone long-term memory in user-scoped namespaces with userId metadata filter
- Post-retrieval ownership validation discards any mismatched vectors
- Session cleared automatically on sign-out or user change
100% Serverless Cloud Infrastructure
Zero Cloud SQL Overhead · Sub-Millisecond Firestore Sync · Firebase Storage.
EliteBooks operates on a 100% serverless, zero-maintenance Firebase infrastructure. Invoices, general ledgers, expenses, and audit logs are persisted directly in Google Cloud Firestore with real-time multi-region replication. High-capacity statement PDFs, receipt OCR images, and audit exports are backed by Firebase Cloud Storage. Cloud SQL is completely decommissioned, eliminating VM maintenance, connection pools, and idle hosting costs.
- Zero Cloud SQL idle server costs & connection pooling bottlenecks
- Native Google Cloud Firestore sub-millisecond document transactions
- Encrypted blob persistence for receipt scans & PDFs via Firebase Storage
- Isolated Pinecone Vector RAG for semantic long-term memory
- Hierarchical subcollection multi-tenancy enforced by Firebase IAM & Security Rules
Verification Agent — Deterministic Math Proofs
Automated Response Validation · Hallucination Detection · Math Cross-Check.
Every candidate AI response is validated by the automated Verification Agent before being returned to the user. Five independent checks run in sequence: correct user/org context, date range integrity (all records within the requested period), requested fields completeness (dates/vendors/categories present), mathematical accuracy (calculated totals match sum of records), and hallucination detection (every entity and amount corresponds to a verified database record). Failed checks trigger automatic refinement.
- Check 1: User & Org Context — no cross-user records in response
- Check 2: Date Range Integrity — all records within requested period
- Check 3: Field Completeness — dates, vendors, categories verified
- Check 4: Math Verification — total matches sum of individual transactions
- Check 5: Hallucination Check — all entities correspond to real DB records
- Auto-refinement corrects failed responses before delivery
Action-First Query Intelligence
Action Before Keyword · Zero Ambiguity Collisions · Intent Decomposition.
"Break down my expenses for September 2026 and provide the date of each expense" correctly triggers ACTION: view_report, ENTITY: expense, PERIOD: September 2026, REQUESTED_FIELDS: date, vendor, category, amount — NOT create_expense. "Create a dashboard with all paid invoices" triggers ACTION: create_dashboard, NOT create_invoice. The engine always identifies the primary action intent before analyzing keywords, eliminating collision errors across all 10 financial modules.
- Action identified first: view_report, create_dashboard, analyze — before any keyword extraction
- Date-aware itemized breakdowns with per-transaction Date, Vendor, Category, Amount
- Zero collision between "show invoices" and "create invoice" intent patterns
- Requested fields extracted: when dates are requested, dates appear in every record
- Mock/hallucinated records completely eliminated — genuine zero-state reporting
CFO Strategic Advisory Agent & Real-Time EBITDA Engine
Autonomous C-Suite Synthesis · Dynamic Margins · Scenario Stress Testing.
Autonomous financial leadership operating at the highest level of corporate executive strategy. Continuously inspects live general ledger records, calculates gross, operating, and EBITDA margins, evaluates dynamic revenue-shift scenarios, and prepares decision-grade briefings for executive boards and investors.
- Live EBITDA, Gross Margin %, and Operating Margin calculations with zero mocks
- Dynamic scenario modeling: "What if churn increases 10% or we hire 3 engineers?"
- Working capital health analysis: current ratio, quick ratio, and cash buffer
- Unified executive C-suite briefings synthesizing multi-agent ledger data
- Strictly non-destructive: reads verified Firestore data without modifying history
Vendor Procurement & SaaS Waste Arbitrage Agent
Autonomous Contract Intelligence · Idle Seat Pruning · Price Renegotiation.
Scans recurring expenses to detect vendor price creeping, unused software licenses, duplicate subscriptions across teams, and contract renewal cliffs. Compares pricing against market benchmarks and auto-drafts professional renegotiation letters for vendor discounts.
- Recurring software spend audit: flags duplicate vendors and subscription creep
- Idle license detection: estimates 20-35% savings from seat pruning
- Benchmark price database: compares current spend to average SMB SaaS tiers
- Auto-generates formal vendor renegotiation and discount request letters
- Strict non-destructive governance: human review required before sending drafts
Tax Nexus Sentry & Multi-State Compliance Agent
Wayfair Economic Nexus · Form 1099-NEC Thresholds · Section 41 R&D Credits.
Continuously monitors sales transaction velocity across all 50 US states to identify economic nexus thresholds (South Dakota v. Wayfair $100k/200-transaction rules). Audits contractor disbursements against the IRS $600 1099 threshold, and calculates Section 41 R&D payroll tax credit offsets up to $250,000.
- 50-State Wayfair economic nexus tracking with risk status badges (SAFE/WARNING/NEXUS_EXCEEDED)
- Autonomous 1099-NEC & 1099-MISC contractor audit against the IRS $600 threshold
- Calculates Section 41 R&D payroll tax credit offsets for qualified research activities
- Proactive compliance alerts: prevents surprise state back-taxes and statutory penalties
- Complies with official IRS Publication 15-T and state revenue statutory guidelines
AR Collections & Non-Destructive Dunning Agent
Predictive Delinquency Scoring · Multi-Step Cadence · Invoice Factoring Math.
Maximizes cash recovery while preserving client relationships. Computes machine learning delinquency risk scores based on invoice aging and client payment track records. Drafts multi-step dunning reminders (Friendly Net-30, Firm Net-45, Urgent Net-60, Final Notice Net-90) and computes invoice factoring cost-of-capital.
- Predictive delinquency risk scoring: Low, Medium, High, and Default Risk
- Automated multi-step dunning drafts with escalating professional tone
- Human-in-the-Loop review: drafts are staged for approval before delivery
- Invoice factoring cost-of-capital modeling: advance rates (80-90%) and factor fees (1-3%)
- Real-time collection velocity and Days Sales Outstanding (DSO) forecasting
Capital, Valuation & Cap Table Studio Agent
Cap Table Waterfalls · SAFE Dilution Modeling · IRC 409A Compliance Checks.
Complete equity and capitalization intelligence for high-growth companies. Models Common, Preferred, and Option pool distributions, calculates SAFE and convertible note dilution waterfalls across valuation caps and discounts, and runs IRC 409A fair market value compliance checks.
- Cap table ownership modeling: Common, Preferred, Option Pool, and Unissued Shares
- Dilution waterfall calculator for SAFE notes (pre-money / post-money) and Convertible Debt
- IRC Section 409A fair market value compliance audits: flags valuation cliffs over 12 months
- Investor relations briefing generator: synthesized updates with burn, runway, and ARR velocity
- Strictly non-destructive: models equity scenarios without altering historical corporate filings