The corporate banking software your CFO and finance team actually want to open.
All your bank accounts, across 40+ Indian banks, in one unified platform — with AI agents that categorise, reconcile, forecast, and manage your treasury while your team sleeps. You stay in control.
And 10+ global investors
And 20+ banking partners
Open sits above your existing banks, ERPs, tax systems and finance workflows — giving CFOs one controlled layer to view cash, move money, reconcile transactions, manage compliance and act with AI. No bank replacement. No ERP replacement. Just one intelligent command centre for the CFO office.
Connect every business bank account you hold — current, OD, CC, escrow, fixed deposits — across 40+ Indian banks. See balances and statements live, and run payments across every rail from one screen.
Think of it as your bank statement, reconciled against every system that touches money — ERP, marketplaces, payroll, accounting software and GST. Smart Statement matches every rupee automatically, giving your finance team, CFO and auditors one connected source of truth.
Open's agents act autonomously on the workflows where speed matters and reversal is cheap — categorising, reconciling, drafting filings, chasing receivables, optimising idle cash. Payments — where mistakes are expensive — stay supervised. Agents propose. You authorise.
Auto-tags every transaction at source. Three-way matches PG ↔ marketplace ↔ bank in real time.
Drafts follow-ups, tracks promise-to-pay, escalates by ageing. Your DSO without the meetings.
OCR vendor invoices, three-way match against POs and GRNs, drafts payments — for your approval.
Drafts GSTR-1/3B/9, chases ITC mismatches, summarises notices, calendars every deadline.
Moves idle cash into sweeps and FDs, forecasts 13 weeks ahead, learns from your actual flows.
Statements, ERP, AR/AP, compliance — unified into one intelligent ledger. Real-time insights, across every entity.
Six agents working continuously. One decision boundary you control.
See your real cash position across every account and entity in real time. Move idle funds into sweeps, FDs, and treasury instruments with a click. Forecast 13 weeks ahead with AI that learns from your actual cash flow.
closing cash position by Sep 2026 — across 12 entities and 40+ banks. Forecast learns from your actual flow.
Receivables aged and forecast, payables ranked and approved, invoices captured at 97% OCR confidence and three-way-matched against POs and GRNs — every workflow your finance team used to run in spreadsheets, native to your banking screen.
Drop a PDF — vendor, amounts, GST, TDS auto-filled at 97% confidence. Journal entry suggested. Zero manual data entry.
PR → PO → GRN → Invoice → Payment. Three-way matched. Full audit trail. Cycle time down from 14 days.
Live GST · TDS · MSME · RCM verification. GSTIN active-status checks. SPOC per vendor. No compliance surprises.
Five compliance modules built directly into the platform. No third-party tool, no separate login, no manual collation. Liability paid from your current account. Filing rhythm becomes a continuous signal — not an annual scramble.
File without leaving banking. Liability paid from your current account. Filing rhythm tracked as a continuous signal.
IRN, QR, e-way bills end-to-end. Bank-verified IRN invoices unlock same-day invoice discounting.
AI flags mismatched invoices and drafts vendor follow-up. ITC caught before filing — no missed credit.
Notices tracked, summarised by AI, replies pre-drafted with deadline reminders. No missed notices. No scrambled responses. Zero surprise penalties.
Personalised cadence across GST · TDS · ROC · audit. Penalty calculator if missed. Compliance health score updated live.
Bank statements, ERP entries, AR/AP records, GST and TDS data, payroll — every financial signal flows into one unified ledger. Real-time position, deep insights across entities and periods, bidirectional sync with the books your team already keeps in Tally, Zoho, or NetSuite.
Built natively on top of the same Smart Statement foundation as everything else. One platform, one ledger, one source of truth.
Agentic approvals, budgets, and policy limits across every corporate card your team already uses. Every swipe lands in Smart Statement — categorised, reconciled, attributed. No new cards to issue, no plastic to ship.
Multi-party escrow with live balances, instant payout triggers, and full audit trail across every disbursement.
Auto-collection, bulk disbursement, virtual accounts, and reconciliation — on the same rails as everything else.
integrations across ERPs, payroll, CRM, marketing platforms, and iPaaS — Open connects to the tools your team already runs.
From food delivery to driver platforms, societies to SaaS — operators across India trust Open with the banking that runs underneath.
Open has revolutionised our financial management — boosting user retention and drastically reducing drop-offs during payments. It has streamlined our financial operations, saving time and enhancing efficiency.
Open's payment solution has helped our customers, the societies, to connect their existing current accounts for a real time view of bank transactions, making it easier for them to manage their finances.
Open has provided its Anchor Based Financing programme to one of our distribution networks, helping the business grow efficiently, with minimal paperwork. A scalable solution — recommended for businesses providing financial support to their channel partners.
Open has streamlined our delivery agents’ salary payments, with a success ratio of ~95%. We can validate agents’ UPI/bank account details on Open’s APIs before initiating payments from our business bank account.
We are a B2B platform and Open helped us simplify our invoicing and bill payments. We can easily send reminders to clients, and complete reconciliation in a single click.
See every account, every transaction, every entity — in one place. With AI doing the boring work.