04 — The agents
Heaviest work, automated. Verified by professionals.
Accounting
For CAS firms
CAS Agent
Prepare GAAP financial statements that are ready for review and audit. 395 ASC rules compute every figure; the firm's accountants review and the partner signs.
- Trial balance intake, mapped to GAAP captions
- ASC rule checks, AJE register and footnotes
- RFIs that close gaps before the auditors ask
- A monthly close loop with a rolling plan, board report and valuation
Pilots
For auditors
Audit Planning Agent
Turn a client binder into a planning package on the firm's own PPC forms, run twice: preliminary on prior-quarter data, refined on the trial balance.
- Materiality and planning analytics
- Risk assessment at the assertion level
- Audit programs, PBC list and planning memo
- An audit-readiness check for CAS clients
Pilot with a PCAOB-registered firm
For tax preparers
Tax Document Agent
Upload last year's return and every client gets a personalized document checklist; an agent on their machine gathers the documents, so the firm stops chasing.
- Prior-year return parsed into the request list: every K-1, broker and employer
- Client folders watched; files upload and match themselves
- Statements pulled from banks and brokerages
- A hash-verified final package
Prototype · pilot in December
For public-company finance teams
GL Intelligence
From journal entry to 10-K. Intelligence for financial disclosure, from a safe ERP copy to a signed filing, built for the new FASB mandates: segments, income tax, expense disaggregation.
- Replicate: stream the ledger from SAP, Oracle, NetSuite or Workday; the ERP is never touched
- Persist: every journal entry queryable, seven-year audit trail to the source row
- Reason: accounts classified by rule, disclosure narrative drafted, hostile-auditor review
- File: a person on every judgment
Live · Google Cloud Marketplace
Custom build
Consolidation
A trial-balance consolidation across entities, with eliminations and a reviewer's trail, built for one firm and cutting its time on the job by about 85%.
- Entity trial balances in, consolidated statements out
- Intercompany eliminations by rule
- Every figure traced to its source row
In use at one firm
Credit
For lenders and trade finance
Credit Automation
A credit platform on the client's own model, live in a day, with a source-to-decision trail from spreading through servicing.
- Spreading, KYC, credit memos, reconciliation and monitoring
- The client's own credit template, not vendor templates
- Time to live: one day
- Audit trail from source document to decision
Live on four continents
For SBA banks
SBA Underwriting Agent
Intake, underwriting and servicing to SBA standard operating procedure, with a person on every decision.
- Intake: twelve document types, bilingual, precision-based classification
- Underwrite: eligibility, cash flow, collateral and the credit memo
- Service: funding, disbursement and life-of-loan reconciliation on one record
Live pilot
For modern lenders
Intelligent LOS
The institutional, intelligent loan origination system. One system for the whole loan, origination through servicing.
- Origination, underwriting, servicing and reconciliation in one record
- The repetitive work behind every credit decision handled, so the team focuses on judgment
Live
For credit teams
Credit Modelling
A proprietary credit intelligence engine: scoring models that turn financial statements, alternative data and market signals into explainable decisions in minutes.
- Explainable scores, not black boxes
- Financial statements, alternative data and market signals as inputs
Live
For credit institutions
Risk Systems
Build your own risk infrastructure. A configurable risk stack: data ingestion, analytics, portfolio monitoring and regulatory reporting. Deploy in days.
- Portfolio monitoring and regulatory reporting
- Configured to the institution's own policies
Live