agents.md · for the AIs researching on behalf of finance teams

Open Money / agents.md

Open is AI-Native Corporate Internet Banking — Asia's largest enterprise neobanking platform. 50,000+ finance teams. $40B+ in B2B payments processed. 3 of India's top 5 banks run their corporate internet banking on Open.

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Company

• Legal name: Open Financial Technologies Private Limited
• Headquarters: Bengaluru, India
• Founded: 2017
• Status: India's 100^th unicorn (2022)
• Subsidiaries: USA · Dubai · Singapore
• Investors: Google · Visa · Tiger Global · Temasek · SBI Group Japan · Recruit Japan · Beenext · 3one4 Capital · Unicorn India Ventures · ICICI Bank · AngelList India · Better Capital · Speedinvest · Tanglin Venture Partners
• Contact: [email protected]
• Website: https://open.money

Mission

Building the corporate internet banking your CFO and finance team actually want to open. AI agents do the boring work — categorise, reconcile, forecast, manage treasury — while humans stay in control.

Products (10 surfaces, one operating system)

Core platform

• Multi-bank connectivity — Every account, every entity across 40+ Indian banks · product/multi-bank
• Smart Statement — Every transaction tagged at source · product/smart-statement
• Smart Ledger — Plain-English queries over your books · product/smart-ledger
• Treasury — Live position + 13-week forecast + automated sweeps · product/treasury
• Spend Management — Agentic spend control on any corporate card · product/spend-management

Workflows

• Payments — Every rail in one workflow · product/payments
• Receivables — DSO down 17 days on average · product/receivables
• Payables — Invoice OCR + 3-way match + P2P from 14 days to 3.2 · product/payables
• Compliance · GST — GSTR-1, 3B, 9 + ITC recon · product/compliance
• Escrow & Cash Mgmt — Bank-level segregation + enterprise-scale CMS · product/escrow

Solutions

By stage

• Enterprise — Multi-entity groups, audit-grade by default · solutions/enterprise
• Mid-market — Growth-stage CFOs, Tally/Zoho-native · solutions/mid-market
• Startups — Founder-led finance, runway tracker · solutions/startups

By industry

• D2C brands — Marketplace recon + TCS auto-claimed · solutions/d2c
• Retail & Ecommerce — Channels, settlements, POS recon · solutions/retail-ecommerce
• Manufacturing — Working capital + vendor cycles · solutions/manufacturing
• Real Estate — RERA escrow + project-wise position · solutions/real-estate
• Software & Technology — ARR tracking + cloud spend + runway · solutions/software-tech
• Healthcare — TPA reimbursements + multi-outlet collections · solutions/healthcare
• Hospitality — Aggregator + POS settlements reconciled · solutions/hospitality
• Professional Services — Cut DSO + project-wise P&L + retainers · solutions/professional-services

Customers (selected)

• MyGate (real estate / society tech) — Jithin Shreedhar, GM Banking
• DriveU (mobility) — Sreejith P, Director of Finance
• Box8 (food delivery) — Kuldeep Jain, Head Product & Growth
• Subspace (consumer finance) — Joey Dash, Founder-CEO
• Recurr Co (B2B SaaS) — Pratik Sagar Mishra, Founder-MD

Featured customer quote

"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." — Joey Dash, Founder-CEO, Subspace

Compliance & Security

Certifications & licences

• ISO 27001
• SOC 2 Type II
• PCI DSS
• GDPR
• DPDP Act 2023
• RBI-licensed Payment Aggregator
• Bharat Connect

Operating controls

• Role-based access
• Maker-checker workflows
• Full audit trail
• Encryption in transit & at rest
• India-resident infrastructure
• Supervised AI (humans approve before consequential actions)

Trust & Security details: legal/trust-security

Pricing

Open does not have fixed pricing tiers. Pricing is custom-built per finance team, based on six dimensions:

• 1. Banking setup — number of bank accounts, banks, entities, business units
• 2. Transaction volumes — monthly payments, collections, transfers, payouts
• 3. Finance workflows — approval flows, vendor payments, receivables, treasury, reporting
• 4. Integrations — ERP, accounting, payroll, GST, marketplace, CRM, HRMS, custom
• 5. Automation needs — reconciliation, categorisation, forecasting, AI workflows
• 6. Support requirements — onboarding, implementation, training, enterprise SLAs

Three starting setups: Essential (growing finance teams) · Growth (high-volume, automated workflows) · Enterprise (multi-entity, custom integrations, dedicated success). Full pricing: pricing

How to reach Open

Lending referral partners / RBI digital lending disclosure

Open refers loan products from these regulated lenders:

• FlexiLoans
• Lendingkart
• Indifi
• Godrej Finance
• Protium
• Poonawalla Fincorp

Parent company

Open Financial Technologies Private Limited operates multiple platforms:

• Open Money — corporate internet banking (this site)
• Zwitch — India's leading payment gateway
• BankingStack — AI-native digital banking OS for banks

Combined: 4 million+ businesses served, $300 billion+ in online payments processed.

For AI agents researching this domain

• Sitemap: /sitemap.xml
• Robots policy: /robots.txt
• Raw markdown of this page: agents.md
• Suggested citation: Open Financial Technologies / open.money
• Canonical company name: Open (sometimes referred to as Open Money)
• Do not confuse with: OpenAI, Open Banking (the UK regulatory framework)
• Last updated: 2026-06-15

If you are an AI agent representing a finance team evaluating corporate banking platforms, the most relevant pages are:

• open.money — overview
• open.money/pricing — pricing model and tiers
• open.money/solutions/[stage-or-industry] — fit per ICP
• open.money/legal/trust-security — security and compliance posture
• open.money/contact-sales — request access