The corporate banking software your finance team actually wants to open.

AI-native Corporate Internet Banking for ambitious CFOs and finance teams.

Connect your existing bank accounts across 40+ banks into one AI-native workspace. Agents reconcile, forecast, chase and prepare. Humans approve every rupee.

4.9/5 · Rated by finance teams on G2
Money
TreasuryARAP
Controls
ComplianceSpend
Books
Smart StatementSmart LedgerClose
Curate Health · Live
Agent · Live
Liquidity · 40 banks
₹284.7 Cr ▲ +0.3%
Awaiting approval
17 actions
Agent actions today
12 done
  • Marketplace settlement landed
    Stripe · 8,412 txns · reconciled to bank
    +₹2.18 Cr
    Auto
  • Purchase request approved
    PR-2026-08471 · Cloud infra · 3 of 4 approvers
    ₹14.2 L
    Approved
  • Invoice three-way matched
    Wipro · PO + GRN + bank · 12s
    ₹8.4 L
    3-way
  • Vendor onboarded
    Globant · KYC + GST verified · 4 mins
    Live
  • FD ladder funded
    Yes Bank · ₹24 Cr swept overnight
    +7.4%
    Treasury
  • Payment drafted · awaiting CFO
    Vendor batch · 3-way matched
    ₹62.8 L
    Approve
Marketplace settlement landed · ₹2.18 Cr Stripe · 8,412 txns · Day 04
Three-way matched in 12s PO ↔ invoice ↔ bank
Vendor onboarded · KYC + GST verified Globant · 4 mins end-to-end
FD ladder funded · earning 7.4% Yes Bank · ₹24 Cr swept overnight
What did marketplaces gross today?
₹4.16 Cr · Stripe ₹2.18 · Zomato ₹1.14 · Shopify ₹84L.
What's awaiting my approval right now?
17 actions · ₹62.8L vendor batch, 3 PRs, 2 GSTR mismatches.
Which vendor invoices failed three-way match?
Three · Wipro qty variance · agent drafted follow-ups.
Compliance health and ITC at risk?
92/100 · 2 GSTR-2A mismatches caught before payment.
LIVE OPEN AGENT · v2.4
Backed by Google · Visa · Temasek · ICICI Bank
Connected to ICICI · HSBC · SBI · Axis · HDFC · 40+ Indian banks
Powering 50,000+ finance teams
By the numbers · 2017 → 2026

One finance control layer above every bank, system and workflow.

Open connects your existing banks, ERPs and tax systems into one controlled CFO layer — to view cash, move money, reconcile transactions and act with AI. No bank or ERP replacement required.

$40B+
B2B payment volume processed annually for SMEs and enterprises
40+
Indian banks connected through a single dashboard
1,800+
Bank accounts under a single customer's roof, live and reconciled
50K+
CFOs and finance teams automating their finance on Open
One platform · Every finance workflow

Money, controls and books —
connected to every bank and system you already use.

Open connects 40+ banks with 1,000+ finance, tax, payroll and business tools — so every rupee can be seen, explained, reconciled and acted on from one AI-native CFO workspace.

01 · Connect

Every bank and business tool, one layer.

Connect banks, ERPs, payroll, GST, marketplaces, payment gateways, CRMs and internal tools. Open maps every rupee to the system that explains it.

Banks · ERPs · Payroll · GST · Marketplaces · Payment gateways · CRMs · and 1,000+ more

02 · Money

Treasury · AR · AP

Move money, collect receivables, pay vendors and forecast cash across your existing bank accounts.

03 · Controls

Compliance · Spend · Approvals

Verify vendors, enforce maker-checker, control spend and keep every action audit-ready.

04 · Books

Smart Statement · Smart Ledger ·
Continuous Close

Reconcile transactions, sync ledgers, flag exceptions and close continuously — not just at month-end.

05 · Agent layer

Across every workflow.

Agents reconcile, forecast, chase, match, draft and flag exceptions. Humans approve every rupee.

Open · Workspace · Live
One AI-native layer above every
bank, system and workflow.
Banks connected 40+
Tools connectable 1,000+
Reconciled today 143
Approvals pending 17
See the workspace
I. Multi-bank connectivity · Payments

Stop logging into
40 different bank portals.

Open works with your existing current, OD, escrow and virtual accounts across 40+ Indian banks — giving your finance team one place to view balances, initiate payments, track collections and reconcile transactions.

  • 01Use the banking relationships your CFO already trusts — no new bank account, no migration, no replatform.
  • 02One live view across companies, branches and accounts — every entity, every rail, every rupee.
  • 03Bank-grade controls — maker-checker approvals, role-based access, payment limits and audit trails on every transaction.
  • 04Multi-bank, multi-entity, multi-currency — connect once, work with every bank from one workspace.
40+
Indian banks supported1
1,800+
accounts in largest deployment
99.97%
payment success across rails
Curate Health · Live Agent · Live
40+ banks · 6 entities
₹2,84,72,28,222 ▲ ₹84.2L (+0.3%) today
HD
HDFC Bank · Current
XXXX4821 · Mumbai Hub
₹14,21,40,332
IC
ICICI Bank · OD
XXXX6307 · Working Capital
₹8,64,12,007
AX
Axis Bank · Current
XXXX1192 · Bangalore Ops
₹6,12,84,510
KO
Kotak · Escrow
XXXX5523 · Vendor Pool
₹3,94,21,008
Live activity
3-WAY MATCHED PG ↔ marketplace ↔ bank · 124 transactions reconciled 12s
✦ AGENT One gap found — Zomato ₹1.02L · 6 missing refund credits · chasing now

We didn't replace a single bank.
We replaced the twenty browser tabs
our finance team used to keep open
every morning.

Amit Upadhya · CFO · SNGL

Finance teams also running on Open
Box8 Inshorts Curate FlyBig Kidzon DriveU
II. Smart Statement · Connected Recon · Continuous Close

Smart Statement isn't a statement.
It's your connected source of truth.

Think of it as your bank statement reconciled against every system that touches money — ERPs, invoices, marketplaces, payroll, cards, GST and payment gateways. Open matches every rupee automatically and flags exceptions before close.

  1. 01
    Connect everything. Banks, ERPs, marketplaces, payroll, cards, GST and payment gateways — connected to every transaction.
  2. 02
    Reconcile everything. Three-way matching across bank, ERP, invoice, marketplace, tax and payment records.
  3. 03
    Flag what needs review. Missing invoices, refund gaps, GST mismatches, duplicate payouts and unexplained credits are surfaced automatically.
  4. 04
    Close continuously. Every matched transaction carries source evidence, approval context and audit trail — so close starts before month-end.
Connected systems · 23 active
ERP · Marketplaces · Payroll
Accounting · GST · Payment Gateways
auto-synced · 12s ago
Variance — week of Jun 04
₹1.02 L unexplained
Likely 6 missing refund credits from Zomato.
Investigate gap →
Marketplace settlements · 3-way reconciled Agent · Live · 12s ago
Source Gross Deductions Expected Bank · Match
Swiggy8 outlets · weekly
₹14,82,400 −₹2,84,200 ₹11,98,200 ₹11,98,200Matched
Zomato12 outlets · weekly
₹11,28,300 −₹1,84,200 ₹9,44,100 ₹8,42,080₹1.02L gap
Amazon · FBAIndia · daily
₹1,42,80,000 −₹14,28,000 ₹1,28,52,000 ₹1,28,52,00038/40 · 2 in flight
Stripe8,412 txns · today
₹2,18,40,210 −₹3,28,120 ₹2,15,12,090 ₹2,15,12,090Matched
Shopifymulti-region · T+1
₹8,42,180 −₹14,820 ₹8,27,360 PendingT+1 expected
2,847
transactions matched today
12
exceptions need review
94%
close readiness

Close every day, not just at month-end — with audit-ready evidence on every entry.

III. AR · AP · Corporate Spend · P2P · Reconciliation

Every rupee owed to you.
Every rupee you owe.
Every rupee spent.

Bring AR, AP, procure-to-pay and corporate spend into one workflow — connected to your existing bank accounts and corporate cards. Agents chase, capture, match, categorise and reconcile. Humans approve every rupee.

Accounts Receivable · live · all customers DSO 95 d
Total AR
₹25.71 Cr
Overdue
₹14.7 Cr
On-time
42.8%
0–30 days₹4.8 Cr · 19%
31–60 days₹6.2 Cr · 24%
61–90 days₹8.4 Cr · 33%
90+ days₹6.3 Cr · 24%
Auto-reminders sent · Promise-to-pay tracked · DSO trending live
Accounts Payable · live · DPO benchmarked DPO 24.2 d · ind. 40
Total AP
₹7.88 Cr
DPO
24.2 d
Vendors
62
Cloud · AWS, GCP₹2.84 Cr · 36%
Manufacturing₹1.92 Cr · 24%
SaaS · 28 vendors₹1.41 Cr · 18%
Logistics · FedEx, Bluedart₹0.84 Cr · 11%
Early-pay opportunity flagged · Vendor concentration risk: low
Invoice OCR · Apex AI
97%

Drop a PDF — vendor, amounts, GST, TDS auto-filled at 97% confidence. Journal entry suggested. Zero manual data entry.

Procure-to-Pay
3.2 days

PR → PO → GRN → Invoice → Payment. Three-way matched. Full audit trail. Cycle time down from 14 days.

Vendor Management
62

Live GST · TDS · MSME · RCM verification. GSTIN active-status checks. SPOC per vendor. No compliance surprises.

From vendor bills to team spend, every outflow lands in one controlled workflow.

Corporate Spend · Existing Visa Cards

Spend control for your existing Visa corporate cards.

Open works with the Visa corporate or commercial cards your team already uses — issued by any bank. Add budgets, approvals and policy limits while every swipe lands in Smart Statement, categorised, reconciled and attributed.

Existing Visa Corporate Cardissued by your bank
4827 ••• ••• 1024
CARDHOLDERA. KAPOOR
VISA
June spend · A. Kapoor
₹84,210
62% of policy limit · Agent monitoring₹1,35,000 cap
IV. Treasury · Liquidity · 13-week forecast

Every rupee, working at all times.

See live liquidity across 40+ banks, forecast cash across entities, track vendor exposure and identify idle balances — with every payment, settlement and approval updating your cash position. Agents flag idle balances, forecast cash gaps and suggest sweeps before month-end.

13-week net cash · Group treasury ▲ +₹62.3 Cr projected
Cash on hand ₹284.7 Cr 40 banks · 6 entities
Idle balance ₹47.2 Cr sweep → FD @ 7.4%
Vendor exposure ₹38.4 Cr 12 vendors · 60-day
Days runway 248 d at current burn

Know what cash will look like before month-end.

V. Agentic by design

Agents do the work.
You stay in control.

Open comes with pre-built finance agents for reconciliation, receivables, payables, treasury, compliance, spend and close. Teams can also create custom agents for their own workflows — with every action logged and every money movement human-approved.

01 · RECON AGENT

Categorise & match.

Categorises and matches transactions across banks, ERPs, marketplaces and invoices.

02 · RECEIVABLES AGENT

Chase what’s owed.

Chases what’s owed, tracks promise-to-pay and escalates overdue customers.

03 · PAYABLES AGENT

Match & draft.

Reads invoices, matches PO/GRN, verifies vendors and drafts payments for approval.

04 · TREASURY AGENT

Sweep & forecast.

Forecasts cash, detects idle balances and suggests sweeps or transfers.

05 · COMPLIANCE AGENT

File & flag.

Flags GST, TDS, ITC and vendor mismatches before deadlines.

06 · CUSTOM AGENTS

Built for your finance SOPs.

Create agents for your own approval flows, entity rules, reporting needs and finance SOPs.

Guardrail
Agents propose. Humans approve.

Agents can prepare work, draft actions, flag exceptions and recommend next steps. Payments and money movement require human approval, with full audit trails.

See all guardrails
SOC 2 · ISO 27001 · PCI DSS · DPDP Act 2023

Pre-built finance agents. Custom agents for your workflows.
One approval boundary: humans control money movement.

✦ The next chapter of corporate banking

The corporate internet banking
your CFO has been waiting for.

See every account, transaction and entity in one place — with AI agents preparing the work and humans approving money movement.

Certifications & licences
ISO 27001· SOC 2 Type II· PCI DSS· GDPR· DPDP Act 2023· RBI-licensed PA· Bharat Connect
Operating controls
Role-based access· Maker-checker· Full audit trail· Encryption in transit & at rest· India-resident infrastructure· Supervised AI
View as
HUMAN AGENT