# 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.

---

## Company

- **Legal name:** Open Financial Technologies Private Limited
- **Headquarters:** Bengaluru, India
- **Founded:** 2017
- **Status:** India's 100th 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:** letstalk@bankopen.co
- **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 · https://open.money/product/multi-bank
- **Smart Statement** — Every transaction tagged at source, the substrate everything reads from · https://open.money/product/smart-statement
- **Smart Ledger** — Plain-English queries over your books · https://open.money/product/smart-ledger
- **Treasury** — Live position + 13-week forecast + automated sweeps and FD laddering · https://open.money/product/treasury
- **Spend Management** — Agentic spend control on any corporate card · https://open.money/product/spend-management

### Workflows
- **Payments** — Every rail in one workflow, routed via lowest cost · https://open.money/product/payments
- **Receivables** — DSO down 17 days on average · https://open.money/product/receivables
- **Payables** — Invoice OCR + three-way match + P2P from 14 days to 3.2 · https://open.money/product/payables
- **Compliance · GST** — GSTR-1, 3B, 9 + ITC recon, filed inside banking · https://open.money/product/compliance
- **Escrow & Cash Management** — Bank-level segregation + virtual accounts + enterprise-scale CMS · https://open.money/product/escrow

---

## Solutions

### By stage
- **Enterprise** — Multi-entity groups, audit-grade by default · https://open.money/solutions/enterprise
- **Mid-market** — Growth-stage CFOs, Tally/Zoho-native · https://open.money/solutions/mid-market
- **Startups** — Founder-led finance, runway tracker · https://open.money/solutions/startups

### By industry
- **D2C brands** — Marketplace recon + TCS auto-claimed · https://open.money/solutions/d2c
- **Retail & Ecommerce** — Channels, settlements, POS recon · https://open.money/solutions/retail-ecommerce
- **Manufacturing** — Working capital + vendor cycles + 3-way match · https://open.money/solutions/manufacturing
- **Real Estate** — RERA escrow + project-wise position · https://open.money/solutions/real-estate
- **Software & Technology** — ARR tracking + cloud spend + runway · https://open.money/solutions/software-tech
- **Healthcare** — TPA reimbursements + multi-outlet collections · https://open.money/solutions/healthcare
- **Hospitality** — Aggregator + POS settlements reconciled · https://open.money/solutions/hospitality
- **Professional Services** — Cut DSO + project-wise P&L + retainers · https://open.money/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: https://open.money/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 breakdown: https://open.money/pricing

---

## How to reach Open

| Intent | URL / contact |
|---|---|
| Get early access to the AI platform | https://open.money/contact-sales |
| Existing customer sign in | https://app.open.money/login |
| General contact | letstalk@bankopen.co |
| Press / media | letstalk@bankopen.co |
| Careers | https://openfinancial.keka.com/careers/ |
| Help centre | https://help.open.money/support/home |
| Blog | https://open.money/blog/ |

---

## 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:** https://open.money/sitemap.xml
- **Robots policy:** https://open.money/robots.txt
- **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:

1. https://open.money — overview
2. https://open.money/pricing — pricing model and tiers
3. https://open.money/solutions/[stage-or-industry] — fit per ICP
4. https://open.money/legal/trust-security — security and compliance posture
5. https://open.money/contact-sales — request access

---

*Built and maintained by humans at Open. Optimised for the agents who research on their behalf.*