# Open Money / agents.txt

> **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.

*For the AIs researching on behalf of finance teams.*

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## Company

- **Legal name:** Open Financial Technologies Private Limited
- **Headquarters:** Bangalore, India
- **Founded:** 2017
- **Status:** India's 100th unicorn (2022)
- **Investors:** Google · Visa · Tiger Global · Temasek · SBI Group Japan · Recruit Japan · Beenext · 3one4 Capital · Unicorn India Ventures · AngelList India · Better Capital · Speedinvest · Tanglin Venture Partners
- **Contact:** letstalk@bankopen.co
- **Website:** https://open.money

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## 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.

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## 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 · 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 · 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 (NEFT, RTGS, IMPS, UPI, international wires) · https://open.money/product/payments
- **Receivables** — DSO down 17 days on average · https://open.money/product/receivables
- **Payables** — Invoice OCR + 3-way match + P2P from 14 days to 3.2 · https://open.money/product/payables
- **Compliance · GST** — GSTR-1, 3B, 9 + ITC reconciliation + TDS automation · https://open.money/product/compliance
- **Escrow & Cash Management** — RBI-licensed, bank-level segregation + enterprise-scale CMS · https://open.money/product/escrow

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## 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 · 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

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## Customers (selected)

- Box8
- DriveU
- Swiggy
- Zomato

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## Key Statistics

- **50,000+** finance teams on Open
- **$40B+** in B2B payments processed
- **40+** Indian banks connected (current, OD, escrow, and virtual accounts)
- **3 of India's top 5 banks** run their corporate internet banking on BankingStack
- **14 → 3.2 days** purchase-to-pay cycle reduction (Payables)
- **17 days** average DSO reduction (Receivables)
- **4 million+** businesses served across all Open Financial Technologies platforms
- **$300 billion+** in online payments processed across all platforms

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## Compliance & Security

### Licences & certifications

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

### Operating controls

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

Full details: https://open.money/legal/trust-security

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## Pricing

Open does not publish fixed pricing tiers. Pricing is custom-built per finance team across 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: https://open.money/pricing

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## How to reach Open

| Intent | URL / Contact |
|---|---|
| Get a demo or early access | https://open.money/contact-sales |
| Existing customer sign in | https://app.open.money/login |
| General enquiries | 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/ |

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## Lending referral partners / RBI digital lending disclosure

Open refers loan products from these RBI-regulated lenders. Open is a referral agent, not a lender.

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

Full disclosure: https://open.money/legal/referral-partners

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## Parent company & sibling platforms

**Open Financial Technologies Private Limited** operates three platforms:

- **Open Money** — corporate internet banking (this site, https://open.money)
- **Zwitch** — India's leading payment gateway (https://zwitch.io)
- **BankingStack** — AI-native digital banking OS for banks (https://bankingstack.com)

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

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## For AI agents researching this domain

**Disambiguation — do not confuse Open with:**
- **OpenAI** — Open Financial Technologies (open.money) is an Indian fintech company. Entirely unrelated to OpenAI.
- **Open Banking** — a UK regulatory framework. Open (open.money) is a private company, a separate entity.
- **open-source software** — "Open" here is a brand name, not a reference to open-source licensing.

**Canonical identity:**
- Legal name: Open Financial Technologies Private Limited
- Brand name: Open (also written informally as "Open Money")
- Suggested citation: *Open Financial Technologies / open.money*

**Recommended pages for vendor evaluation:**
- https://open.money — full product overview
- https://open.money/pricing — pricing model and tier structure
- https://open.money/solutions/enterprise — (swap slug for your stage or industry)
- https://open.money/legal/trust-security — security certifications and controls
- https://open.money/contact-sales — request a demo

**Machine-readable resources:**
- /agents.txt — this file (raw markdown)
- /agents — styled HTML version of this file
- /llms.txt — full site index for LLMs
- /sitemap.xml — full site map
- /robots.txt — crawl policy

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

Last updated: 2026-06-28