# Open — AI-Native Corporate Internet Banking (full site text) > 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. Generated from the page content of https://open.money by build/facts.mjs. Short index: https://open.money/llms.txt Company: Open Financial Technologies Private Limited, Bangalore, India. Founded 2017. 40+ banks connected · 50,000+ finance teams · $40B+ annualised B2B payments · 3 of India's top 5 banks run their corporate internet banking on Open. Contact: letstalk@open.money. Group (Open + Zwitch + BankingStack, across all three platforms): 4 million+ businesses served, $300 billion+ in online payments processed. Pricing tiers: Essential · Growth · Enterprise — quote-based, see https://open.money/pricing. ## Open — AI-Native Corporate Internet Banking for Enterprises URL: https://open.money/ Asia's largest growing enterprise neobanking platform. Connected banking across 40+ Indian banks for the CFO office — cash visibility, payments, reconciliation, compliance, AI. The corporate banking software your finance team actually wants to open. # AI-native Corporate Internet Banking for modern 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. ### One corporate banking layer across 40+ banks, systems and workflows. Open connects your existing banks, ERPs and tax systems into one controlled corporate banking layer — to view cash, move money, reconcile transactions and act with AI. No bank or ERP replacement required. ### 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 corporate banking workspace. #### Every bank and business system, one workspace. 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 #### Treasury · Receivables · Payables Move money, collect receivables, pay vendors, forecast cash and manage B2B payments across your existing bank accounts. #### Compliance · Limits · Approvals Verify vendors, enforce maker-checker, control limits and keep every action audit-ready. #### Smart Statement · Smart Ledger · Bank-to-book Reconcile transactions, sync ledgers, flag exceptions and keep books closer to the bank — not just at month-end. #### Inside every banking workflow. Agents reconcile, forecast, chase, match, draft and flag exceptions. Humans approve every rupee. ### Every way money comes in. Every way money goes out. Across India and the world. Open brings online collections, single and bulk payouts, cross-border payments, FX visibility, compliance documents, beneficiary validation and reconciliation into one corporate banking workspace — connected to your banks, invoices, vendors, customers and ledgers. #### Collect B2B payments online. Accept payments through UPI, cards, netbanking, payment links and virtual accounts — mapped back to invoices, customers and ledgers. #### Payouts across 40+ banks. Single or bulk payouts via NEFT, RTGS and IMPS — with maker-checker approvals, limits and audit trails built in. #### Receive international payments. Collect from global customers with transparent FX, settlement tracking and document workflows inside your finance workspace. #### Send international payments. Pay suppliers, contractors, group entities and partners with purpose-code context, approval workflows and compliance documents. #### Know the INR before money moves. Live FX rates, fees, expected INR settlement and payment status — so cross-border decisions are made with full context. #### Documents handled, not chased. FIRA, eFIRA, FIRC, FCRA, purpose-code, invoice and approval docs handled inside the payment workflow — no manual follow-ups. #### Validate before money moves. Verify beneficiary bank accounts through penny drop. Validate PAN, GST and bank details before onboarding, collection or payout release. - PAN · AAACG1234D Active ✓ - GST · 29AAACG1234D1ZK Live · filed ✓ #### Reconcile every rail. Every rupee. Online collections, PG settlements, virtual accounts, NEFT/RTGS/IMPS, bulk payouts and international payments matched back to invoices, ledgers and bank statements. - 01 UTR · 2026824331 Transaction · UPI - 02 INV-2026-0421 Invoice · Acme Corp - 03 Ledger · AR-Acme Tally · posted - 04 HDFC · Line 41 Statement · matched ### 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. - 01 Use the banking relationships your CFO already trusts — no new bank account, no migration, no replatform. - 02 One live view across companies, branches and accounts — every entity, every rail, every rupee. - 03 Bank-grade controls — maker-checker approvals, role-based access, payment limits and audit trails on every transaction. - 04 Multi-bank, multi-entity, multi-currency — connect once, work with every bank from one workspace. 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 ### 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. - 01 Connect everything. Banks, ERPs, marketplaces, payroll, cards, GST and payment gateways — connected to every transaction. - 02 Reconcile everything. Three-way matching across bank, ERP, invoice, marketplace, tax and payment records. - 03 Flag what needs review. Missing invoices, refund gaps, GST mismatches, duplicate payouts and unexplained credits are surfaced automatically. - 04 Close continuously. Every matched transaction carries source evidence, approval context and audit trail — so close starts before month-end. Close every day, not just at month-end — with audit-ready evidence on every entry. ### Every rupee owed to you. Every rupee you owe. Every rupee spent. Bring receivables, payables, procure-to-pay and corporate spend into one controlled banking workflow — connected to your existing bank accounts and corporate cards. Agents chase, capture, match, categorise and reconcile. Humans approve every rupee. 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. From vendor bills to team spend, every outflow lands in one controlled workflow. #### 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. ### 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. Know what cash will look like before month-end. ### Agents do the work. You stay in control. Open comes with pre-built agents inside your corporate banking workspace 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. #### Categorise & match. Categorises and matches transactions across banks, ERPs, marketplaces and invoices. #### Chase what’s owed. Chases what’s owed, tracks promise-to-pay and escalates overdue customers. #### Match & draft. Reads invoices, matches PO/GRN, verifies vendors and drafts payments for approval. #### Sweep & forecast. Forecasts cash, detects idle balances and suggests sweeps or transfers. #### File & flag. Flags GST, TDS, ITC and vendor mismatches before deadlines. #### Built for your finance SOPs. Create agents for your own approval flows, entity rules, reporting needs and finance SOPs. Agents can prepare work, draft actions, flag exceptions and recommend next steps. Payments and money movement require human approval , with full audit trails. Pre-built finance agents. Custom agents for your workflows. One approval boundary: humans control money movement. ### The corporate internet banking your CFO has been waiting for. See every account, transaction and entity across 40+ banks in one place — with AI agents preparing the work and humans approving money movement. --- ## Open · agents.md — for the AIs researching on behalf of finance teams URL: https://open.money/agents Structured information about Open Money for AI agents. The same data that powers our human-facing site, formatted for machines. 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. View raw markdown ↗ ### Company - Legal name: Open Financial Technologies Private Limited - Headquarters: Bangalore, India - Founded: 2017 - Status: India's 100 th 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@open.money - 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) - Box8 - DriveU - Swiggy - Zomato ### Compliance & Security #### Certifications & licences - RBI-licensed Payment Aggregator - ISO 27001 - GDPR - SOC 2 Type II - PCI DSS - 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 - Full site index for LLMs: llms.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: - 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 --- ## Pricing · Open — Built around your business URL: https://open.money/pricing Open pricing is custom-built around your finance team's banking setup, transaction volumes, workflows, integrations, automation, and support needs. No forced bundles. No surprise pricing. # Flexible pricing for modern finance teams. Open pricing is tailored to your banks, entities, users, transaction volumes, workflows, integrations, automation depth and support needs. ### Three setups. One platform. Pick a starting point. Open scales with your finance team. #### Essential For growing businesses that need multi-bank visibility, approvals and basic finance control. - Multi-bank dashboard - User roles and approval flows - Payments and collections visibility - Basic reconciliation - Finance reports - Standard onboarding support #### Growth For finance teams managing higher transaction volumes, receivables, payables and reconciliation. - Everything in Essential - Accounts payable workflows - Receivables and collections automation - Advanced reconciliation - ERP / accounting integrations - AI-powered transaction categorisation - Priority onboarding support #### Enterprise For large businesses with multiple entities, custom workflows and deeper integrations. - Everything in Growth - Multi-entity treasury visibility - Custom bank integrations - Custom ERP / API integrations - Advanced approval matrix - Audit trails and compliance reports - Dedicated success manager - Enterprise-grade support and governance ### Your Open plan is shaped around your operating setup. We recommend the right plan based on how your finance team actually works. #### Banks & entities Number of bank accounts, entities and business units. #### Transaction volume Payments, collections, transfers, payouts and reconciliation volume. #### Finance workflows Approvals, payables, receivables, treasury and reporting needs. #### Integrations ERP, accounting, payroll, GST, CRM, HRMS and custom systems. #### Automation depth Reconciliation, categorisation, forecasting, reminders and AI workflows. #### Support model Onboarding, training, implementation, customisation and service levels. ### Every plan starts with the Open corporate banking foundation. Core capabilities are included from day one, then scaled based on your requirements. #### Banking connectivity Multi-bank visibility, balances, statements and account access. #### Controls & approvals Roles, permissions, approval flows and maker-checker controls. #### Automation Reconciliation, categorisation, exception tracking and finance workflows. #### Integrations & support ERP / accounting integrations, onboarding and customer support. No forced bundles. No surprise pricing. Start with what you need and scale as your finance operations grow. ### Frequently asked questions. Open pricing is shaped around your banking setup, transaction volumes, workflows, integrations and support needs — not a one-size-fits-all SKU. We recommend the right plan after a short scoping conversation. Yes. Many teams begin with one workflow — multi-bank visibility, payments, reconciliation or cashflow reporting — and expand into other modules as their finance operations grow. Open is built for finance teams that operate across multiple banks, accounts, entities and approval structures. 40+ Indian banks are supported out of the box. Onboarding, bank account setup, user access configuration, approval flows, integrations, workflow mapping and team training. Enterprise plans include a dedicated success manager. Yes. Open integrates with major ERP and accounting systems (Tally, Zoho, SAP, NetSuite, Oracle, Microsoft Dynamics) and exposes APIs for custom workflows. Yes. Startups typically begin with Essential — multi-bank visibility, approvals and basic reconciliation — and move to Growth as transaction volume and finance workflow complexity scale. Yes. Open is already in production at large enterprises with 1,800+ bank accounts, multi-entity treasury, custom integrations and audit-grade governance. Enterprise plans include dedicated implementation and support. ### Ready to see what Open would cost for your setup? Share your banks, entities, workflows and volumes. We’ll recommend the right Open plan for your finance team. --- ## GST & TDS Compliance Automation · Open URL: https://open.money/product/compliance Filings, returns, audit trails. Connected banking + compliance for Indian enterprise finance teams. # GST, TDS, notices — filed inside banking. Five compliance modules built directly into the platform. No third-party tool. No separate login. No manual collation. Filing rhythm becomes a continuous signal — not an annual scramble. ### Every filing. Inside banking. Smart Statement tags every transaction with its tax implication. The compliance modules read from that substrate, draft the return, validate the liability, pay from your current account, and file with the portal. #### GSTR-1, 3B, 9 — auto-prepared Drafts validated against Smart Statement, reconciled with 2A/2B, paid from your current account, filed with the GSTN. No spreadsheet stage. #### IRN. QR. E-way bill. Every B2B invoice gets an IRN automatically. QR generated. E-way bill triggered above threshold. Bank-verified IRN unlocks same-day discounting. #### 2A vs 2B vs claim Three-way reconciled monthly. Mismatches flagged before filing. Vendor follow-ups drafted for missing invoices. No leaked credit. #### DRC · ASMT · show-cause Notices fetched from the portal, summarised by the agent, replies pre-drafted with deadline reminders. No missed notice. No surprise penalty. #### Every deadline, every entity GST · TDS · ROC · audit · advance tax · PF · ESI — personalised cadence. Penalty calculator if missed. Continuous health-score updated live. #### Monthly deposit, quarterly return 26Q · 24Q · 27Q · 26QB — auto-prepared from tagged outflows. Challans paid via OLTAS. TRACES download for Form 16A. ### Every credit. Caught at source. 2A vs 2B vs your claim — reconciled the moment the next monthly cycle opens. Mismatches surfaced with the offending vendor named. Auto-drafted follow-ups sent in your voice. Leaked ITC caught before filing, not after. - 01 Live 2A/2B mirroring — your input invoices and the vendor's filed records stay in sync, refreshed continuously. - 02 Three-way recon — your claim, GSTR-2A, GSTR-2B — variances surfaced by vendor, invoice, amount. - 03 Vendor follow-up drafts — "your invoice INV-XXX appears in our records but not in your GSTR-1. Please confirm filing." Sent in your brand voice. - 04 Provisional ITC tracker — what's pending, what's lapsed, what's blocked. Section 16(4) limit warned 30 days in advance. - 05 Pre-filing simulation — see your GSTR-3B output line a week before filing, decide policy on contested ITC, freeze and file. ### One number. Continuously updated. Filings on time. ITC mismatches under threshold. Notices resolved. TDS deposits punctual. Vendor GSTINs active. Every signal compounds into a single CFO-grade score — one your auditor can audit. ### Continuous, not annual. Filed, not feared. GST, TDS, e-invoicing, notices, calendar — five modules native to your banking screen. One health score your auditor can audit. --- ## Escrow & RBI-Licensed Payment Aggregation · Open URL: https://open.money/product/escrow RBI-licensed escrow and payment aggregation for marketplaces, real estate and B2B platforms. Connected banking across 40+ Indian banks. # Segregation. Settlement. At scale. Multi-party escrow with live balances. Cash management services for collections and disbursements. Virtual accounts at enterprise scale. Bank-level segregation, regulator-grade audit trail — all on the same Smart Statement rails as everything else. ### Trust accounts. Live visibility. Multi-party escrow held at the bank — Open is the visibility, the workflow, the audit trail. Conditional release rules in plain English. Every drop-in, every drop-out, every condition-met event timestamped and immutable. - 01 Multi-party trust accounts — buyer, seller, regulator, marketplace platform — all on one ledger, each with the right visibility. - 02 Conditional release rules in plain English — "release when GRN confirmed and 48-hour dispute window passes." - 03 Real-time balance view per party, per project, per cohort — drill from group total down to individual flow. - 04 Audit trail RBI-grade — every entry timestamped, every release reasoned, every approval signed. - 05 Bank-level segregation — funds held in legally segregated trust accounts at HDFC / Axis / Axis, not commingled with corporate operating cash. ### Collections. Disbursements. At enterprise scale. Virtual accounts for collections. Bulk disbursement for payouts. CMS sub-accounts for branch rollups. All on the same rails. All reconciled in Smart Statement automatically. #### One number per customer Auto-generated virtual account number per customer. Inbound credits identified at landing. Recon against invoice automatic. #### 12k+ payouts per minute Payroll, vendor payouts, refund batches, dealer incentives — bulk-file in, status-stream out, every line reconciled. #### Branch · zone · geography Sub-accounts that roll up to a parent. Visibility per branch, control at HQ. Real-time consolidated position. #### Customer pull via VPA Issue UPI collect requests at scale — for deposits, EMIs, society dues, B2B receivables. Auto-matched on settle. #### Notional pooling Auto-sweep idle balances from sub-accounts to parent. Reverse-sweep on debit. Treasurer's view stays consolidated. #### Auto MIS by hierarchy Recon, statement, and MIS available per sub-account, per zone, per parent. Auditor-ready by default. ### Where escrow earns its keep. Escrow isn't a marketing line. It's a working financial primitive — running marketplace settlements, real-estate transactions, JV milestones, dealer-incentive pools, and regulator-mandated trust holdings across our enterprise base. - 01 Marketplace settlement — buyer pays into escrow, seller releases on delivery confirmation. Dispute window auto-managed. - 02 Real-estate transactions — funds held until registry confirms transfer. Multi-leg release: token, milestone, possession. - 03 JV milestone payouts — partner funds released as deliverables clear. Each milestone parameterised in plain English. - 04 Dealer incentive pools — funds held against quarterly performance, released to dealers on KPI achievement. - 05 Regulator-mandated trust — SEBI, RBI, IRDAI-mandated holdings (broker margins, insurance premia, deposit safekeeping) — segregated, reported, audited. ### Segregated by design. Visible by default. Bank-level escrow with agent-grade visibility. Virtual accounts at marketplace scale. Bulk payouts with three-way recon attached. All on the rails you already trust. --- ## Multi-Bank Aggregation: Connected Banking · Open URL: https://open.money/product/multi-bank Connect 40+ Indian banks in one dashboard. Real-time balances, statements, payments — Asia's largest growing enterprise neobanking platform. # Every bank account, one screen. Connect every current, OD, escrow, and FD account you hold — across 40+ Indian banks — to one platform. See live balances, run payouts, search statements, and reconcile everything from a single workspace. ### Connect once. Work with every bank. Connect each bank account in one onboarding. From the moment a balance moves, Open knows — no nightly batch, no per-bank integration, no separate logins. - 01 Live balances refreshed continuously across every account, every entity, every bank — never a nightly batch. - 02 Statement history searchable in plain English: "show all USD wires > $10,000 last quarter, across all entities." - 03 Built for groups — multi-entity, multi-currency, multi-subsidiary. Roll up or drill down without leaving the screen. - 04 Bank-grade connections — direct API integrations with every major Indian bank. RBI-compliant, encrypted end to end, no screen-scraping. - 05 Every account, every transaction flows into Smart Statement as the single source of truth for everything else. ### Every account your treasury holds. Open isn't only "current accounts." Connect your entire balance-sheet of bank relationships — operating, working-capital, escrow, treasury, and international — and see them as one consolidated picture. #### Current accounts across every bank. The day-to-day workhorses. Every payable, every receivable, every cash movement, on the same screen. #### OD, CC, working-capital loans. See utilisation against sanction in real time. Move between drawdown accounts with one click. #### FDs, sweeps, treasury bills. Yields, maturities, laddering — every instrument you hold, surfaced as live treasury intelligence. #### Multi-party escrow holding. Vendor pools, marketplace settlements, regulator-mandated escrows — segregated by design. #### Cash management sub-accounts. Virtual accounts for collections, GST sub-accounts, branch-wise rollups — every CMS structure mapped. #### Nostro, vostro, USD & multi-CCY. HSBC, Standard Chartered, Citi — your global accounts join the same consolidated view. ### Connection rails built for enterprise scale. Three years building direct API integrations with India's largest private banks. SOC 2 Type II, ISO 27001, RBI-licensed, India-resident. - 01 Direct API integrations with India's largest banks — years of integration depth, not screen-scraping, not nightly batches. - 02 Read-only by design — consent-based, encrypted, you control what we see and for how long. Revoke any time. - 03 Resilient by design — redundant connection paths so a single dip never takes the dashboard down. - 04 Encryption in transit (TLS 1.3) and at rest (AES-256). Every credential vaulted. Zero plaintext storage. - 05 Full audit trail of every read, every refresh, every credential rotation — for your auditor, for your CISO. We read, you authorise. Multi-bank connectivity is a read consent — balances and statements only. Payments are a separate, supervised flow with maker-checker approvals. ### Stop logging into 40 portals. Start running one. See every account across every Indian bank, live, on one screen — with the audit trail your CFO and your auditor both want. --- ## AP Automation & Vendor Payments · Open URL: https://open.money/product/payables Vendor onboarding, invoice capture, maker-checker approvals, bulk payouts. Connected banking across 40+ Indian banks. # Every invoice. Every PO. Every match. Drop a vendor invoice — Open OCRs it at 97% confidence, three-way matches against PO and GRN, drafts the payment, and holds it for your approval. Procure-to-pay cycle from 14 days to 3.2. ### Drop a PDF. Get a journal entry. Open's OCR doesn't just extract text — it understands invoices. Vendor, GSTIN, line items, totals, GST, TDS, due date — captured at 97% confidence on first pass. Journal entry suggested. Vendor GSTIN active-status checked at source. - 01 97% first-pass OCR confidence on Indian B2B invoice formats — formal, handwritten supplements, scanned, mobile photo. - 02 Vendor GSTIN auto-validated against GSTN active-status check, MSME registration, MCA active filings. - 03 TDS section auto-determined — 194C, 194J, 194Q, 194-IA — based on vendor type and invoice nature. - 04 HSN/SAC codes extracted, GST rate validated, ITC eligibility precomputed for the line item. - 05 Journal entry drafted — debit account, credit account, cost-centre, GL — ready to post to your ERP. ### PR → PO → GRN → Invoice → Pay. Every leg of P2P captured in one workflow. Three-way matched at the moment of invoice landing. Full audit trail. Cycle time from request to payment compressed from 14 days to 3.2 days on average. #### Purchase request Raised by anyone with budget. Auto-routed to the right approver based on cost-centre and amount band. #### Purchase order Generated in your format. Sent to vendor. Vendor GSTIN, account, MSME status pre-verified. #### Goods receipt note Captured at delivery — by your warehouse, your stores team, or your service-receipt sign-off. #### Invoice + match Vendor invoice OCRed, three-way matched against PO + GRN. Variances flagged before they reach approval. #### Approval + payment Per your matrix. Maker → checker → CFO. Payment via the optimal bank rail. Audit trail attached. #### ERP + ledger write-back Journal entry posted to Tally / Zoho / NetSuite. Smart Ledger updated. GST ITC claim queued. ### Every vendor. Every check. Onboarding a vendor on Open isn't a form. It's a continuous compliance signal — live GSTIN check, MSME status, MCA filing, RCM applicability, TDS rate — all evergreen, all auditor-ready. - 01 GSTIN active-status check live against GSTN — flagged at first sign of inactivity, well before you pay. - 02 MSME UAM / Udyam verification — auto-applies the 45-day rule for protected payments to small enterprises. - 03 RCM applicability flagged per vendor and per invoice — never undercollect or overpay reverse-charge GST. - 04 TDS section per vendor — 194C, 194J, 194Q, 194I — set per vendor and per invoice type, applied automatically. - 05 SPOC tracking — every vendor has a designated AP contact, a billing email, an escalation chain. Captured once, lives forever. ### Every invoice. Matched. From 14 days to 3.2 days. From manual data entry to journal-ready in 12 seconds. From audit anxiety to audit-ready by default. --- ## Business Payments Platform: Connected Banking · Open URL: https://open.money/product/payments NEFT, RTGS, IMPS, UPI, international wires — one API, every bank. AI-native corporate internet banking for enterprise finance teams. # Every way money comes in. Every way money goes out. Online collections, payouts, cross-border and reconciliation — in one corporate banking workspace. $40B+ processed annually. ### Single. Bulk. Cross-border. One workflow. Compose one payment or a 10,000-line bulk file. The composer is the same — line-level validation, custom approval matrix, lowest-cost routing, audit trail attached at the moment of authorisation. - 01 One composer for single, bulk, scheduled, recurring — and for INR or international wires. No mode-switching. - 02 Maker → checker → CFO approval matrices configurable per entity, amount, currency, vendor, or counterparty. - 03 Bulk uploads with line-level validation: IFSC checks, account-name match, GST sanity, sanctions screening. - 04 Routing intelligence picks the cheapest or fastest rail in real time — and reroutes if a bank dips. - 05 Every payment auto-logged for downstream recon — the transaction reaches Smart Statement before it reaches the recipient's bank. ### Every rail you'd ever route through. Domestic, cross-border, instant, scheduled — Open's rail support is exhaustive by design. Switch between them inside one workflow. #### RTGS · NEFT Real-time gross settlement for high-value transfers. NEFT for bulk vendor disbursements. Routed via the bank with the lowest charges in the moment. #### IMPS · UPI 24×7 instant settlement for sub-₹5L payouts. UPI for B2B disbursements where the recipient has a VPA. #### Real-time wire USD, EUR, GBP, SGD, AED — full FX rate quotes pre-auth, beneficiary screening, FIRC paperwork generated. #### Govt payments via OLTAS GST, TDS, advance tax, ESI, PF — paid directly from your current account through the bank's OLTAS link. #### Card-to-bank refunds & offers Disburse to RuPay debit cards instantly. Used for marketplace refunds, gig-worker payouts, cashback programs. #### LC, BG, trade finance Letters of credit and bank guarantees initiated from the platform, status visible through the bank API where supported. ### India and the world. One workspace. Collect from global customers, pay international suppliers and group entities, see the INR before money moves, and let compliance documents handle themselves — inside the same workflow as your domestic rails. #### Receive international payments Collect from global customers in USD, EUR, GBP, SGD, AED with transparent FX, settlement tracking and document workflows inside your finance workspace. #### Send international payments Pay suppliers, contractors, group entities and partners with purpose-code context, approval workflows and compliance documents — real-time, not legacy wires. #### Know the INR before money moves Live FX rates, bank fees, network fees and expected INR settlement — so cross-border decisions are made with full context, not after the fact. #### Documents handled, not chased FIRA, eFIRA, FIRC, FCRA, purpose-code, invoice and approval docs handled inside the payment workflow. Form 15CA / 15CB e-signed. FIRA auto-fetched post-settlement. ### Every transfer needs a human. Payments are the one place we keep the agent on a leash. Bulk uploads, recon, drafting filings, chasing receivables — all autonomous. The final click on a transfer stays with you and your approval matrix. - 01 Approval matrix per entity, currency, amount band, vendor concentration, and counterparty type. Configurable in plain English. - 02 Role-based authorisation tied to SSO + step-up MFA — the maker, checker, and approver can never collapse into one identity. - 03 Sanctions screening pre-authorisation. OFAC, UN, EU lists checked against every counterparty before the transfer composes. - 04 Beneficiary verification: account-name match through penny-drop, GSTIN active-status check, vendor master cross-reference. - 05 Immutable audit trail — every click logged with who, when, from what device, at what IP. Auditor-ready exports in one click. Agents propose. You authorise. Bulk payouts are pre-drafted by the agent — validated, routed, screened. The final click stays with your matrix. ### Every rail. Every approval. One workflow. From a single ₹5,000 NEFT to a 12,000-line vendor batch — same composer, same approval chain, same audit trail. --- ## AR Automation & Customer Collections · Open URL: https://open.money/product/receivables Invoicing, payment links, auto-reconciliation. Connected banking for enterprise AR teams — Asia's largest growing enterprise neobanking platform. # DSO down. Without the meetings. Every invoice you raise — aged, forecast, chased. Open's receivables agent drafts the follow-up, tracks promise-to-pay, escalates by ageing, and matches inbound credits to the right invoice automatically. ### Every customer. Every bucket. Live. Open's receivables view isn't a monthly close report. It's live — every invoice aged in real time, every promise-to-pay tracked, every customer's payment pattern learned and used to predict the next collection. - 01 Live ageing across every customer, every invoice — refreshed the moment a bank credit lands and matches. - 02 Customer-level DSO and payment-pattern profile — predict when each customer typically pays, and flag deviations. - 03 Auto-matching inbound credits to invoices — UTR + reference + amount + customer entity reconciled in real time. - 04 Promise-to-pay tracker — capture verbal commitments from customer calls, follow up automatically at the promised date. - 05 Concentration alert — when one customer crosses a configurable % of outstanding AR, your CFO gets a flag. ### Drafts the email. You hit send. The receivables agent watches every invoice. When ageing crosses a threshold, it drafts the right follow-up — polite at day 30, firmer at day 60, escalation at day 90 — addressed to the right person in the customer's AP team. #### Gentle reminder A polite confirmation that the invoice is on file, with the due date and payment instructions. Reduces "we never got it" claims. #### First chase Direct, factual — "this invoice is now overdue, please confirm settlement date." Drafted in your brand voice. #### Escalation Auto-CCs your relationship owner and the customer's AP head. Restates terms, references the PO, includes a settlement options menu. #### Recovery handoff Final demand drafted, ageing report attached, dispute log compiled. Hand off to recovery counsel or arbitration with one click. #### Verbal commitments Capture verbal "we'll pay by Friday" promises from calls. Agent watches the date, escalates if it slips. #### Quality issues tracked When AP cites a quality dispute, the agent logs it, links to the GRN/invoice, routes to ops, and pauses the chase clock until resolution. ### Credit lands. Invoice closes. No spreadsheet. When a customer's payment hits your bank account, Smart Statement tags it. The receivables agent matches it to the right open invoice — by UTR, by amount, by reference, by counterparty graph — and closes the line. - 01 UTR / IFSC matching — pull the bank's reference, find the invoice, close the line. Sub-second. - 02 Amount + customer entity reconciliation when UTR is absent — pattern-match against the customer's payment history. - 03 Partial-payment handling — split inbound credit across multiple invoices, track residual balance. - 04 Unidentified credits queue — what couldn't be matched is surfaced for a human in seconds, not days. - 05 ERP write-back — every matched credit posted to Tally / Zoho / NetSuite with the correct GL code. ### Your DSO. Without the chase. Every invoice watched. Every credit matched. Every overdue followed up — by an agent that doesn't take Mondays off. --- ## AI Smart Ledger & Auto-Reconciliation · Open URL: https://open.money/product/smart-ledger Three-way reconciliation across PG, bank and marketplace. AI-native ledger for enterprise finance — connected banking, fully automated. # Every signal. One ledger. Bank statements, ERP entries, AR / AP records, GST & TDS data, payroll, marketplace settlements — every financial signal flows into one intelligent ledger. Real-time financial position. Bidirectional sync with Tally, Zoho, NetSuite. ### Forty data sources. One position. Smart Ledger reads from every signal that touches your money — and writes back to your ERP. Your books stay in Tally, Zoho, or NetSuite. Your insights stay live, in Open. - 01 Every financial signal unified — statements, ERP, AR/AP, GST/TDS, payroll, marketplace — refreshed the moment any source updates. - 02 Bidirectional ERP sync — Open reads from and writes to Tally Prime, Zoho Books, NetSuite, SAP B1. Your books stay consistent across every system. - 03 Real-time P&L — see revenue, costs, margins, cash the moment data updates. No month-end lag, no reconciliation Mondays. - 04 Natural-language queries — "what did marketing spend last quarter across all entities?" The agent answers across your ledger, with sources cited. - 05 The foundation everything else reads from — recon, AR/AP, compliance, treasury all consult Smart Ledger as the single source of truth. ### Every signal that touches your money. Open's connectors are exhaustive by design — bank, marketplace, ERP, tax, payroll, expense. Each one stays current. Each one writes its tag and its amount into the same ledger. #### 40+ banks · direct connection Every account, every entity, every currency — current, OD, escrow, FD, international. Live, not nightly. #### Tally · Zoho · NetSuite · SAP Bidirectional. Read your existing ledger, write back agreed entries. Your books stay in your ERP — your insight stays in Open. #### Stripe · Razorpay · PG settlements Every gross, deduction, refund, fee — pulled at source and matched to bank credit in real time. #### GST · TDS · ROC · OLTAS GSTR-2A/2B mirrors, TDS deductions, ROC filings. Tax intelligence flows in, doesn't sit in a silo. #### Payroll · expense · spend cards Darwinbox, Razorpay X Payroll, Brex-style corporate cards — every payable touchpoint to your team. #### Invoices · POs · GRNs · contracts OCR-extracted, matched, and reconciled to ledger entries. Audit trail goes back to the source PDF. ### Ask the ledger. In English. Smart Ledger speaks the language of your finance team — not SQL, not Excel formulas. Ask the question the way you'd ask a senior analyst. Get the answer the way you'd want it written up. - 01 Ask any question in plain English — across any entity, any period, any dimension. The agent maps your phrasing to ledger semantics. - 02 Every answer carries its sources — transactions, ledger entries, supporting documents. Cite-and-defend by default. - 03 Follow-ups remember context — "compare to last year" works the way it would with a human analyst. - 04 Save any answer as a live tile — pin it to your dashboard, schedule it to your inbox, share with your auditor. - 05 Plain English in. CFO-grade summary out. No SQL, no pivot tables, no formula language. ### One signal in. One position out. Every account, every invoice, every filing, every entry — unified into one live ledger your CFO can act on and your auditor can audit. --- ## AI Bank Statement Analyser · Smart Statement · Open URL: https://open.money/product/smart-statement Parse, classify and reconcile statements from 40+ Indian banks. AI-native corporate internet banking that ends manual statement work. # Every transaction. Tagged at source. The substrate everything else reads from. Every bank transaction auto-tagged the moment it lands — by source, category, entity — across every bank you hold. Recon, AR/AP, compliance, treasury are emergent layers on top. ### The raw stream becomes a substrate. Every bank transaction lands as a row in your statement. Smart Statement looks at the description, the counterparty, the amount, the date, the entity — and 40+ source-specific signals — and assigns the right tag at the moment of landing. - 01 Source-aware tagging. Open recognises Stripe, Shopify, Zomato, AWS, Razorpay, Meta — and 40+ other senders — at the moment a credit or debit lands. - 02 Three-way recon at source. Marketplace gross, deductions, expected net, and bank credit are matched in real time — gaps surface immediately. - 03 Self-improving. Every human correction trains the model — the more your team uses it, the sharper the tags get. - 04 Entity-aware. Multi-subsidiary structures preserved — every tagged row carries its entity, its GSTIN, its cost-centre. - 05 Substrate, not feature. AR/AP, GST, Smart Ledger, treasury — all read from Smart Statement as the single source of truth. ### Five emergent layers. One source of truth. Smart Statement is the foundation. Every other product on Open reads from it. The cleaner the substrate, the sharper everything above it gets. #### Three-way recon PG ↔ marketplace ↔ bank matched continuously. Variance surfaces before month-end — when you can still investigate. #### AR · receivables Inbound credits matched to invoices automatically. Promise-to-pay tracked. DSO trending live, not retrospectively. #### AP · payables Outbound debits matched to vendor invoices. Three-way match with PO and GRN. Audit-ready. #### GST · compliance Every taxable transaction tagged. GSTR-1 / 3B / 9 drafts auto-prepared from the substrate. ITC mismatches caught at source. #### Smart Ledger Tagged statement + ERP + AR/AP + payroll = unified financial position. Real-time, queryable in plain English. #### Treasury · forecast 13-week cash forecast learns from your tagged outflow + inflow pattern. Accuracy compounds over time. ### Not categorisation. Comprehension. Most banking software lets you label a transaction after the fact. Smart Statement understands what the transaction is at the moment it lands — and lets every downstream layer reason about it. - 01 Source-resolved, not rule-matched. We don't pattern-match on "AWS" — we know which AWS organisation, which entity, which monthly invoice. - 02 Counterparty graph. Every vendor, customer, and intermediary is a node. New transactions get tagged against this graph in milliseconds. - 03 Tax-aware. Every taxable transaction lands with its expected GST liability, TDS provision, and ITC eligibility precomputed. - 04 Audit-grade lineage. Every tag carries its reasoning — which signals, with what confidence, who corrected it last. - 05 Plain-English query. "Show me all of last quarter's marketing spend, broken down by channel and entity." Asked once. Answered. ### Not a feature. The operating system. Every other product on Open reads from Smart Statement. Get it right at source, and every downstream workflow gets it right for free. --- ## Corporate Spend Management & Cards · Open URL: https://open.money/product/spend-management Issue cards, set policies, capture receipts, reconcile in real time. AI-native corporate internet banking for spend control. # Agentic spend control. Any corporate card. Open's spend agent layers policy guardrails, approvals, and live attribution on top of every corporate card your team already carries. No new plastic to ship. No new bank to onboard. Every swipe lands in Smart Statement — categorised, reconciled, attributed. ### Spend policy. In English. In effect. Write your policy the way you'd write it for an analyst — "engineering travel under ₹50k, no premium-economy international, no alcohol on expense" — and the spend agent enforces it at the moment of swipe. Not at month-end reconciliation. - 01 Plain-English policy authoring. CFO writes it once, agent enforces it everywhere — by employee, by team, by vendor category. - 02 Real-time decline-or-allow at swipe time. Policy breaches blocked at the network level, not flagged after the fact. - 03 MCC-aware. Hotel category, flight category, fuel, dining — each can have its own ceiling, frequency cap, time window. - 04 Exception workflow. When a policy breach is justified (client dinner over cap), one-tap manager approval lifts the block. - 05 Bank-agnostic. Works across HDFC, Axis, SBI, Kotak, Yes corporate cards — and international issuers for cross-border teams. ### Every swipe. Tagged. Receipted. Booked. The spend agent pings the cardholder for a receipt at the moment of swipe. OCRs the receipt. Categorises the expense. Attributes to the right project. Posts to the right ledger code. Zero month-end submission scramble. #### Receipt nudge on swipe Push notification within 60 seconds. Snap and forget. The agent OCRs it, matches the swipe, and closes the loop. #### MCC + merchant + project Knows the difference between client dinner and team offsite, between travel cab and grocery cab, between training and entertainment. #### Cost centre at point of swipe "Which client?" "Which project code?" answered once per trip, applied to every swipe in that trip automatically. #### Vendor GSTIN extracted From the receipt PDF — ITC eligibility flagged where applicable. ITC claimed in your next GSTR-3B cycle. #### Sub-policies per geography Per-diem allowance by city tier. Mileage rates by car class. Automatic top-up if travel justifies it. #### Out-of-pocket reconciled too For the few cases where the card can't go (cash-only stalls, internal transfers), same workflow — same audit trail. ### Spend velocity. Compounding signal. Every swipe lands in Smart Statement the moment it clears. Spend by team, by vendor, by category, by entity — refreshed live. Not last week's expense report. This morning's burn. - 01 Live burn — by department, by project, by vendor category. Spot a runaway category in the morning, not next month. - 02 Vendor concentration — when one supplier crosses an internal threshold, an alert reaches your CFO automatically. - 03 Anomaly detection — out-of-band swipes (geography, time of day, MCC) flagged in real time for review. - 04 Smart Ledger write-back — every swipe posts the right journal entry to Tally / Zoho / NetSuite with full attribution. - 05 One source of truth — recon, AP, GST, expense — all read from the same tagged swipe in Smart Statement. ### Spend control. Without the plastic switch. Open's spend agent works with the corporate cards your team already carries — adding policy, attribution, and audit-grade live visibility. --- ## Corporate Treasury Management · Open URL: https://open.money/product/treasury Cash positioning, sweep & FD automation, FX. Asia's largest growing enterprise neobanking platform — built for treasury teams. # Every rupee, working. See your real cash position across every account and entity in real time. Move idle funds into sweeps, FDs, and treasury instruments with one click. Forecast 13 weeks ahead with AI that learns from your actual cash flow — not your template. ### Forecast that learns from you. Most forecast tools ask you to maintain a model. Open's forecast reads from your actual cash patterns — tagged at source in Smart Statement — and improves week over week. Your treasurer reviews; the model does the modelling. - 01 Pattern-aware. Learns your true inflow rhythm — payroll-week dips, GST-cycle outflows, marketplace-settlement bumps, festive demand cycles. - 02 Counter-party intelligence. Knows your top 100 vendors and customers — when they pay, when they collect, how they vary. - 03 Scenario layers — base, optimistic, stressed. Sensitivity sliders for collections delay, FX shock, customer concentration. - 04 13-week, 26-week, 52-week views. Same engine, longer horizons get wider confidence bands. - 05 Variance tracker. Every prediction is graded weekly — the model tells you where it's getting better and where it's still uncertain. ### Every idle rupee, earning. Open's treasury agent moves idle cash into yield-generating instruments — overnight sweeps, FD laddering, treasury bills — and pulls it back the moment a payable needs it. Yield without surprises. #### Overnight + flexi Idle balances above your operating buffer auto-swept to FD overnight. Pulled back before any debit clears. #### Staggered maturity Ladder across 30/60/90/180/365-day tenors. One always maturing, one always at peak yield. #### Sovereign yield For corporates with mandates that allow government securities — 91-day, 182-day, 364-day T-bills auto-allocated. #### Mutual fund treasury Liquid + ultra-short-duration funds for the corporate corpus. Same-day redemption, instant visibility. #### USD · EUR forwards For export-facing entities — forward contracts via your bank, monitored in real time, marked-to-market live. #### Mandate compliant Every allocation respects your investment policy — counterparty limits, instrument restrictions, board-approved ceilings. ### Real cash. Real time. Not last week's bank reconciliation. Not last night's snapshot. Open's treasury view is the live position — every account, every entity, every committed flow — reading directly from Smart Statement. - 01 Cross-entity, cross-bank, cross-currency live cash visibility — roll up to group, drill down to entity, sub-entity, account. - 02 Committed-flow view — pending payouts, signed contracts, recurring vendor invoices factored into "available" balance, not just "current." - 03 Counterparty concentration. Live alerts when receivables from one customer exceed your policy threshold. - 04 Currency overlay — see the group position in INR, USD, or any base currency with live FX marks. - 05 Audit-grade history — every snapshot retained, every reclassification logged, every transfer traceable. Live position, AI-grade forecasts, automated yield placement — with policy guardrails your board signs off on. --- ## D2C & E-Commerce Banking · Open URL: https://open.money/solutions/d2c Reconcile PGs, marketplaces and bank rails in one view. AI-native corporate internet banking for D2C brands. # Marketplaces settled. Margins protected. Selling on Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy? Every gross sale, every commission deduction, every refund, every bank credit — three-way reconciled in real time. Catch the gaps before they leak your margin. Stop reconciling settlement reports in spreadsheets. ### Gross sold ≠ money in the bank. Every D2C founder knows the gap. You sold ₹84.2 L. The bank shows ₹71.8 L. The marketplace report shows ₹78.4 L expected. The PG shows ₹73.1 L settled. None of them match. Open's substrate is built to find every rupee of that gap — and tell you why it's missing. - 01 Marketplace-aware. Open recognises Amazon, Flipkart, Nykaa, Myntra, Meesho, Zomato, Swiggy at source — knows the commission structure, knows the settlement cycle. - 02 Three-way reconciliation continuously — gross from marketplace ↔ expected after deductions ↔ bank credit. Every gap surfaced with the offending order ID. - 03 Settlement-cycle aware. Knows T+1 from T+7, knows which marketplace runs which calendar, knows when a delay is normal and when it's a flag. - 04 PG layer too — Razorpay, Cashfree, PayU, Stripe — three-way matched with marketplace and bank in the same workflow. - 05 Margin-protected. Catches commission errors, missing refund credits, returns booked as sales — before they reach your accountant. ### Every D2C-specific workflow. Natively. Open doesn't bolt D2C features on top of corporate banking — it was designed knowing your money flows through marketplaces, PGs, fulfilment partners, and ad platforms. Every workflow your team runs in a spreadsheet, native here. #### Marketplace 3-way recon Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy — gross-net-bank reconciled by order ID, every settlement cycle. #### PG ↔ bank matched Razorpay, Cashfree, PayU, Stripe — every txn matched to bank credit, MDR auto-deducted, refunds tracked. #### Settlement-aware lending OD line that knows your settlement is T+1 from Amazon. Drawdown automatic, repayment auto on settlement. #### TCS · ITC · returns Marketplace TCS auto-claimed in 2A. ITC reconciled. Returns booked correctly. No GST notice surprises. #### Meta · Google · creator network Card swipes for Meta and Google tagged by campaign. ROAS by channel. Live burn vs revenue, per platform. #### Delhivery · Shiprocket · Bluedart COD remittance reconciled. Forward / RTO ratios tracked. Per-order P&L visible the day the shipment lands. ### Built for these brand patterns. Beauty, snacks, fashion, F&B, electronics — running across 4-12 marketplaces, dozens of PG accounts, hundreds of SKUs. Four common shapes we see, and the specific leakage each one stops on Open. Beauty brand selling across horizontal marketplaces, vertical beauty platforms, own site, and quick commerce. Settlement reports reconciled monthly — refund credits vanish into "margin drift." On Open: every refund tracked at source, gaps surfaced the week they happen. First month surfaces ₹2.4 L of missing credits. Food delivery aggregators settle on T+1 to T+3 cycles. Reconciling outlet-level settlement reports against bank credits used to be a finance-head Saturday. On Open: the agent reconciles Friday night, pings only on variance. Saturday becomes a day off. Ad spend on Meta + Google attributed to a campaign. Revenue lands 4-7 days later via marketplace settlement. ROAS was only knowable three weeks later when accounts caught up. On Open: card swipes tagged by campaign, marketplace settlements matched live. ROAS visible the day the campaign closes. Marketplace TCS (Section 52) deductions pile up in GSTR-2A but never get reconciled against the claim. Quiet leakage compounds across quarters. On Open: TCS auto-claimed from marketplace settlements. First month surfaces ₹4.2 L of unclaimed credits and drafts the corrections. ### Every channel. Every rupee. Three-way matched. Open's substrate was built knowing your money moves through marketplaces, PGs, and ad platforms before it reaches your bank. Catch the leakage before it becomes a margin call. --- ## Enterprise Banking & Treasury · Open URL: https://open.money/solutions/enterprise Multi-entity, multi-bank, multi-currency. AI-native corporate internet banking for India's largest finance teams. # Treasury at scale. Audit trail by default. For corporate groups with 40+ banks, 1,800+ accounts, multi-entity structures — and finance teams that need every flow visible, every approval signed, every transaction audit-ready. Open is already the banking platform for three of India's top-five private banks. ### Built for the specifics of group structures. Generic banking platforms break when you have 12 subsidiaries, 6 currencies, 40 banking partners, and a treasurer who needs the answer in real time. Open is built around that complexity, not in spite of it. - 01 Multi-entity, multi-subsidiary, multi-currency — roll up to group, drill down to a single bank account. Entity-level views configurable per role. - 02 Custom approval matrices per entity, currency, amount band, vendor concentration. Configured in plain English, audited by your CISO. - 03 Bidirectional sync with SAP, Oracle Fusion, NetSuite — your books stay in your ERP, your live position stays in Open. - 04 Treasury at scale — 13-week forecast, FD laddering across banks, G-Sec and T-Bill allocation, FX hedging — all with board-approved policy guardrails. - 05 Auditor-grade trail by default — Big Four-ready audit packs export in minutes. Every read, every approval, every transfer timestamped and immutable. ### The complexity tax, paid back. Six workflows where the difference between Open and what you have today shows up most visibly. Treasurers, controllers, AP heads, CFOs — each gets the leg of the platform that was built around them. #### Group cash, one screen 40+ banks, multi-currency, multi-entity rolled into a single live position. 13-week forecast with 91% accuracy at horizon. #### Month-end becomes month-live Smart Statement tags every flow at landing. P&L, cash, working capital — always current. No reconciliation Mondays. #### Three-way matched at scale Vendor invoices OCRed at 97%, matched against PO and GRN, paid via the optimal rail. P2P from 14 days to 3.2. #### Plain-English finance Ask any number, any entity, any period. Compliance health score updated live. Auditor-ready by default. #### RBI · SOC 2 · ISO 27001 India-resident, encrypted in transit + at rest, immutable audit trail, role-based access tied to your SSO and identity stack. #### One-click audit pack Every quarter's flows, approvals, and reclassifications exportable as a Big Four-ready file. No "we'll get back to you" calls. ### Three of five top private banks. Many more enterprises. Open powers the underlying corporate internet banking platform for three of India's top-five private banks — chosen after multi-year evaluations against the international vendors they replaced. The same platform now serves the enterprises that bank with them. - 01 Years of integration depth with India's top private banks — direct APIs, escrow, CMS, virtual accounts, OLTAS. - 02 Chosen over the international incumbents in head-to-head evaluations at three top-five banks — picked for depth of capability, not commercials. - 04 Named CEO sponsor, quarterly business reviews, roadmap influence, escalation paths into engineering — the enterprise relationship you'd expect. - 05 Successor planning — every enterprise gets a deployment plan that survives team changes on either side. No "key person" dependencies. ### Built for the depth. Trusted at the scale. If you're running 12 entities, 40 banks, multi-currency treasury, and an audit committee — Open is the platform built for that exact shape. --- ## Healthcare & Hospital Banking · Open URL: https://open.money/solutions/healthcare Multi-entity collections, vendor payouts, GST/TDS — connected banking for India's healthcare networks. # TPA reimbursements. Outlet collections. Reconciled live. Multi-outlet collections via CMS, TPA insurance reimbursement cycles, doctor + staff payroll, medical inventory financing, NMC / NABH compliance. Open is built around the way clinical networks actually operate. ### The hardest part of healthcare finance, solved. Insurance reimbursement cycles run 30-90 days. Each TPA has different EOB formats. Outlet-level cash + UPI + card collections fragment by branch. Open's substrate handles all of it. - 01 TPA insurance reimbursement — Star, Cigna Lombard, Care, Niva Bupa, ManipalCigna — each TPA's claim status tracked. EOB reconciled against expected amount. Short-paid claims flagged. - 02 Multi-outlet CMS — every outlet's POS collections, UPI receipts, cash deposits — auto-reconciled to bank credits per branch. Branch P&L live. - 03 Doctor + staff payroll — split between salary + consultation fees + revenue share. Per-doctor net realisation tracked. TDS + ESI + PF auto-deducted. - 04 Medical inventory financing — pharmacy + diagnostics inventory funded against settlement cycles. Drawdown automatic. Per-SKU economics surfaced. - 05 NMC / NABH compliance — clinical accreditation tracked alongside financial compliance. Single health-score dashboard for the board. ### Built around the clinical operating model. OPD, IPD, pharmacy, diagnostics, insurance, payroll — every revenue stream and every cost stream reconciled live, outlet by outlet, doctor by doctor. #### EOB matched Star, Cigna Lombard, Care — each TPA's EOB reconciled against expected. Short-paid claims auto-flagged. #### Branch P&L live Every outlet's POS, UPI, cash, card auto-reconciled to bank credit per branch. Roll up to group on demand. #### Salary + share Split between fixed salary + consultation fees + revenue share. Per-doctor net realisation tracked. TDS automatic. #### Inventory financing Pharmacy + lab inventory funded against settlement cycles. Drawdown automatic. Per-SKU economics surfaced. #### Clinical + financial Compliance score for both clinical accreditation and financial filing. Single dashboard for the board. #### OPD vs IPD vs pharma GST split correctly between exempt OPD, taxable pharma, mixed IPD. State-wise compliance live. ### The clinical OS. For everything that isn't medicine. TPA reimbursements · outlet collections · doctor payroll · NMC compliance — reconciled live, every day. --- ## Hospitality Banking & Multi-Property Treasury · Open URL: https://open.money/solutions/hospitality Real-time visibility across properties, brands and bank accounts. Connected banking for hospitality groups. # Aggregator + POS. Reconciled by Friday night. Multi-outlet F&B chains, hotels, QSR, cloud kitchens — Swiggy and Zomato settlements, multi-acquirer POS, tip and service charge handling, liquor licensing, payroll. Open's agent does Saturday recon Friday night. ### Saturday morning. Reconciled by Friday. F&B finance teams spend Saturdays reconciling aggregator settlement reports against bank credits. Open's agent does it Friday night, pings only on variance. - 01 Aggregator settlement recon — Swiggy, Zomato, EazyDiner, Dineout, BookMyShow — each aggregator's settlement cycle native. Outlet-level matching by order ID. - 02 Multi-acquirer POS — Razorpay, Pine Labs, Mswipe, BharatPe — every swipe matched to bank credit. MDR tracked. Chargebacks logged. Tips routed correctly. - 03 Tip + service charge — segregated from food revenue. Tax treatment per state (some states tax, some don't). Outlet-level tip pool tracked. - 04 Liquor licensing — alcohol sales tracked separately (different GST, excise, state licence). Stock-to-sales matched. Excise duty paid from segregated account. - 05 Hotel + property management — for chain hotels: room revenue + F&B + spa + laundry — each revenue stream auto-tagged. Property-level P&L live. ### Built around multi-outlet hospitality. Every workflow F&B chains, QSR brands, cloud kitchens, hotel groups, and luxury properties run — native to your banking screen. #### Swiggy · Zomato Weekly settlement cycles native. Outlet-level matching by order ID. Refund credits tracked. Friday night recon complete. #### Razorpay · Pine · Mswipe Every swipe matched to bank credit. MDR tracked. Chargebacks logged. Tips routed correctly. #### Tax-correct handling Segregated from food revenue. State-wise tax treatment. Outlet-level tip pool tracked. #### Excise + state licence Alcohol sales segregated (different GST + state excise). Stock-to-sales matched. Excise paid from segregated. #### Room + F&B + spa Each revenue stream auto-tagged. Property-level P&L live. STR data benchmarked against revenue. #### Manager + staff Per-outlet manager salary + staff payroll. PF + ESI + tip-pool distributions. Auto-processed weekly. ### Get your Saturdays back. Open does Friday night. Aggregator + POS · multi-outlet · tax-correct tip handling — every settlement matched, every Friday. --- ## Manufacturing & Industrial Banking · Open URL: https://open.money/solutions/manufacturing Vendor payments, GST credits, multi-plant treasury. AI-native corporate internet banking for India's manufacturers. # Working capital that actually works. Long PO cycles, vendor advances, three-way matching across PO + GRN + Invoice, export realisations, multi-entity treasuries. Open frees the working capital that's been sitting in process across your supply chain. ### Working capital, found. Most manufacturers carry 60-90 days of working capital tied up in process. Open's three-way match + treasury intelligence frees the float that's been sitting in your supply chain. - 01 Three-way match — PO ↔ GRN ↔ Invoice — at the moment of vendor invoice landing. Variances flagged in seconds. Payment authorised only when all three line up. - 02 MSME vendor handling — 45-day rule auto-applied. Payment scheduled to optimise both compliance and working capital. No accidental Section 43B disallowance. - 03 Export realisation + FIRC — USD wires tracked to FIRC issuance. Realisation aged. Forward contracts marked to market against your invoices. - 04 Multi-entity treasury — parent + subs + JVs consolidated. Intercompany flows netted. Single group cash position with entity-level drill-down. - 05 Statutory + 194Q TCS — auto-applied per vendor turnover threshold. Quarterly returns drafted. Form 16A from TRACES automatic. ### Built around the way factories actually run. Every workflow your finance + procurement + treasury teams used to run in spreadsheets, native to your banking screen. #### End-to-end P2P Procurement request to vendor payment in 3.2 days. Three-way matched. Full audit trail. #### Section 43B compliant 45-day rule auto-applied per vendor. Payment scheduled to optimise both compliance and working capital. #### FIRC + GR-1 USD wires tracked to FIRC issuance. Realisation aged per RBI norms. Discrepancies surfaced live. #### Parent + subs + JVs Consolidated treasury. Intercompany flows netted. Group position live, entity drill-down on demand. #### OD with intelligence Drawdown/repay automatic. Working capital line sized against your actual receivable cycle, not a templated formula. #### Auto-applied TCS auto-deducted per vendor turnover threshold. Quarterly returns drafted. Form 16A automatic from TRACES. ### Free the working capital. Find your margin. Three-way match · MSME-aware · multi-entity treasury — built for the way factories actually run. --- ## Mid-Market Banking & Finance Operations · Open URL: https://open.money/solutions/mid-market Connected banking for scaling D2C and B2B businesses. Asia's largest growing enterprise neobanking platform. # Cash flow visibility your CFO can act on. Growth-stage companies don't have time for month-end recon Mondays. Open gives mid-market CFOs the cash position, the GST compliance, and the working-capital intelligence they need — without the enterprise overhead. Plugs into Tally or Zoho in an afternoon. ### Where growth-stage finance actually breaks. You're past ₹100 Cr revenue. You have 4-6 entities, 8-15 banking relationships, a 4-person finance team, and a CFO who's also handling fundraising. The problems aren't the enterprise problems — they're the in-between problems nothing was built for. - 01 One screen across 4-15 banking relationships — current, OD, escrow, FD. No more juggling 8 corporate banking portals. - 02 Tally / Zoho native — bidirectional sync, your books stay where they are, your live position stays in Open. - 03 Working capital intelligence — DSO / DPO benchmarked weekly, OD utilisation tracked, "can we fund X?" answered in real time. - 04 GST without the consultant scramble — auto-prepared, validated, paid from your current account, filed inside banking. - 05 Receivables agent that doesn't take Mondays off — chases the 60+ day customers, books promise-to-pay, escalates the 90+ ones. ### What changes in the first quarter. Open doesn't sell on promised year-three ROI. These are the six outcomes our mid-market customers see in the first 90 days, on average — measured against their own pre-Open baseline. #### Cash position becomes live All banks connected · every entity rolled up · the CFO knows the group cash position the moment she opens the laptop. #### Smart Statement live Every transaction tagged at source. AWS, Stripe, Razorpay, Zomato, payroll, GST — recognised at landing. No spreadsheet stage. #### First filing inside Open GSTR-1 + 3B drafted from Smart Statement, validated, paid from your current account, filed. Zero consultant back-and-forth. #### DSO drops The receivables agent chases the right customers, escalates on time, books promise-to-pay. Average drop: 17 days. #### P2P cycle compresses Invoice OCR → three-way match → approval → payment. Average cycle 14 days → 3.2 days. Working capital freed up. #### Treasury earning Idle balance moved to overnight sweep, FD ladder, or liquid funds. Average yield uplift: +5.4% on idle corpus. ### Built for these exact patterns. Four common mid-market shapes. Different industries, similar finance pain. Here's the typical setup we see — and the part Open changes once you're on it. Finance team of three. Monthly close drags 5 days. Cash position lags reality by a week. On Open: month becomes month-live. Close drops to 1 day. Cash refreshes the moment a credit lands. 200+ B2B buyers on credit terms. Working capital trapped in receivables. Compliance burden across 6 GSTINs. On Open: AR aged live, agent chases ageing customers, DSO drops ~17 days — ₹4–6 Cr of working capital freed up. D2C + GT + modern retail + exports. Multi-currency. CFO juggles fundraise prep with treasury, compliance, ad-spend ROI. On Open: 13-week forecast in one click. Marketing tagged by channel for live ROAS. Plain-English finance for the board deck. CMS sub-accounts at branch level. Settlements vary by city tier. GST per GSTIN. Five-day month-end close. On Open: branch-wise rollup live, GST per GSTIN auto-prepared, audit committee meeting transforms in character. ### Enterprise-grade banking. Mid-market overhead. Same platform three of India's top-five banks bank on — sized, priced, and onboarded for growth-stage CFOs. --- ## Professional Services Banking · Open URL: https://open.money/solutions/professional-services Client billing, trust accounts, compliance. Connected banking for India's leading professional firms. # Cut your DSO. Without cutting your relationships. Time-based billing, retainer cycles, project-wise P&L, cross-border consulting fees, long receivable cycles. Open's substrate handles the working-capital problem that professional services firms always carry. ### The DSO problem, solved. Professional services firms carry the longest DSO in the economy — often 60-90 days. Open's receivables agent drafts the chase emails, tracks promise-to-pay, matches inbound credits to retainer or invoice — without souring the client relationship. - 01 Retainer + project + fixed fee — each engagement structured differently. Retainer cycles auto-billed. Project milestones tracked. Fixed fee with payment-schedule matching. - 02 Time-based billing — partner / manager / associate / analyst time captured per project. Bill-rate × hours = revenue forecast. Realisation rate per project surfaced. - 03 Cross-border consulting — USD / GBP / EUR / SGD wires reconciled. FIRC tracked. RBI export classification per service code. STPI / SEZ eligibility surfaced. - 04 Receivables agent — drafts polite chase emails per client tone. Tracks promise-to-pay. Escalates ageing. Matches inbound credits to retainer-or-invoice automatically. - 05 Project-wise P&L — every cost tagged to project. Time + expenses + sub-contractor fees. Margin per partner per project surfaced. Realisation rate. ### Built around billable engagements. Whether you run a law firm, consulting practice, design studio, accounting firm, or advisory boutique — every workflow native to your banking screen. #### Engagement-aware Retainer cycles auto-billed. Project milestones tracked. Fixed fee with payment-schedule matching. #### Per-resource realisation Partner / manager / associate / analyst time captured. Bill-rate × hours = revenue forecast. #### FIRC + classification USD / GBP / EUR wires reconciled to invoices. FIRC tracked. RBI export classification per service code. #### Cut DSO, not relationships Drafts polite chase emails. Tracks promise-to-pay. Escalates ageing. Matches inbound credits to engagement. #### Margin per partner Every cost tagged. Time + expenses + sub-contractor. Margin per partner per project. Realisation tracked. #### 194J + 1042S External consultants paid with correct TDS section. 194J for India. 1042S for non-resident. Auto-applied. ### Less time chasing. More time billing. Retainer-aware · project-wise P&L · receivables agent drafting the chase. Reclaim the DSO without souring the relationships. --- ## Real Estate Banking & Escrow · Open URL: https://open.money/solutions/real-estate RERA-compliant escrow, project-wise reconciliation, vendor payouts. Connected banking for India's real estate developers. # Project-grade escrow. RERA-compliant by default. 70% RERA escrow mandates, milestone-based collections, project-wise P&L, construction loan disbursement, multi-project consolidation. Open is built around the way real estate money actually flows. ### Every rupee. Project-tagged. Real estate's hardest finance problem is that money has to stay project-segregated all the way from collection to disbursement. Open's escrow + ledger handles this natively. - 01 70% RERA escrow — bank-level segregated trust accounts per project. Withdrawals require the RERA-mandated architect + CA certificate. Every release timestamped. - 02 Milestone-based collections — customer pays in tranches tied to construction milestones. Each tranche auto-reconciled against the bank credit + project ledger. - 03 Project-wise P&L — every cost coded to a project. Land, approvals, construction, marketing, finance — all consolidated and rolled up to group. - 04 Construction loan management — loan drawdown tied to GRN-equivalent (work-done certificates). Repayment scheduled per milestone collection pattern. - 05 Customer collections — booking amount, EMI, possession, registration — every collection tagged to unit + customer + milestone. Receivables aged by unit. ### Built around the project lifecycle. From land acquisition to handover, every workflow real estate finance teams run — native to your banking screen. #### Bank-level segregation Each project's 70% corpus in legally segregated trust at HDFC / Axis / Axis. Withdrawals require architect + CA certificate. #### Customer EMI cycles Booking, slab-by-slab construction, possession, registration. Each tranche reconciled against bank + ledger. #### Every cost tagged Land, approvals, construction, marketing, finance — coded to the project. Roll up to group on demand. #### Drawdown intelligence Loan disbursed against work-done certificates. Repayment scheduled per milestone collection. Cash flow modelled. #### Unit-level receivables Every customer's ledger tracked unit-by-unit. EMI ageing. Possession-eligible status. Default risk flagged. #### Idle corpus + yield Escrow corpus parked in liquid funds / FDs (where RERA permits). Yield optimised. Withdrawal-on-demand preserved. ### Project-grade escrow. Group-level visibility. RERA-compliant by default · milestone-aware collections · construction loan intelligence — all in one banking screen. --- ## Retail & E-Commerce Banking · Open URL: https://open.money/solutions/retail-ecommerce Settlement reconciliation, marketplace payouts, multi-store treasury. AI-native corporate internet banking. # Every channel. Every settlement. Three-way matched. Online marketplaces, offline POS, quick commerce, your own site, COD collections, multi-state GST — every settlement reconciled in real time. Catch refund credits and TCS leaks before they become margin drift. ### Where retail money actually leaks. Marketplace commissions, missing refund credits, TCS that piles up in 2A but never gets claimed, COD remittances split across acquirers. Open's substrate catches every gap at source. - 01 Marketplace settlement recon — Amazon, Flipkart, Nykaa, Myntra, Meesho, Ajio. Gross → deductions → expected → bank credit, matched by order ID, every cycle. - 02 PG layer reconciled too — Razorpay, Cashfree, PayU, Stripe — every transaction matched to bank credit. MDR auto-deducted. Refunds tracked. - 03 TCS auto-claimed from marketplace settlements. Section 52 deductions reconciled against your GSTR-2A monthly. Stop leaving credits on the table. - 04 Multi-state GST per state per GSTIN. CGST/SGST/IGST split correctly per ship-from / ship-to state. Compliance health score across every state. - 05 COD remittance — Delhivery, Shiprocket, Bluedart, eKart — auto-matched. Forward / RTO ratios tracked. Per-order P&L on the day the shipment lands. ### Every retail workflow. Native. Built around the way retail money actually flows — multi-channel, multi-state, multi-rail. Every workflow your team used to run in spreadsheets, native to your banking screen. #### 3-way at order level Gross-net-bank reconciled by order ID, every settlement cycle. Amazon, Flipkart, Nykaa, Myntra, Meesho — all native. #### Acquirer ↔ bank Razorpay, Cashfree, PineLabs, Mswipe — every swipe matched to bank credit. MDR tracked. Chargebacks logged. #### Settlement cycles Blinkit, Zepto, BB Now, Instamart — quick-commerce-aware T+1 to T+3 cycles. Recon Friday night. #### Forward / RTO Delhivery, Shiprocket, Bluedart — auto-matched. RTO ratios tracked. Per-SKU economics surface. #### CGST / SGST / IGST Auto-split by ship-from / ship-to. GSTR-1 / 3B / 9 filed per state. Compliance health score live. #### Working capital Settlement-aware OD lines. Drawdown automatic against receivables. Repaid on settlement. ### Channels in. Margins out. Every channel, every cycle, every settlement — three-way matched. Stop reconciling on weekends. --- ## Software & Tech Banking · Open URL: https://open.money/solutions/software-tech International collections, SaaS billing, multi-currency treasury. Connected banking for India's tech businesses. # Banking built for ARR growth. Subscription revenue, multi-currency invoicing, cloud spend, customer billing reconciliation, treasury for runway. Open is the finance OS for SaaS, infra, AI, and platform companies scaling fast. ### Every metric the board cares about. Live. ARR, MRR, NRR, CAC payback, magic number, runway — all derived from the same Smart Statement substrate that handles your real banking. No separate analytics stack to maintain. - 01 ARR / MRR tracker — every contract auto-tagged from PG settlements (Stripe, Razorpay) + bank wires. New / expansion / churn classified at landing. NRR and gross retention live. - 02 Multi-currency invoicing — USD, EUR, GBP, SGD wires reconciled to invoices. FX gain/loss surfaced. FIRC tracked for export-incentive eligibility. - 03 Cloud spend by service — AWS, GCP, Azure, OpenAI — tagged at landing per organisation / project / team. COGS allocated automatically. Per-customer infra cost surfaced. - 04 Customer billing — subscription cycles tracked in Chargebee / Recurly / Stripe Billing. Failed payments flagged. Dunning + recovery agents drafted. - 05 Treasury for runway — fund corpus auto-swept into FD ladder + liquid funds. +3-4 months of runway typically unlocked in week one. Withdrawal-on-demand preserved. ### Built for the subscription economy. Every workflow SaaS finance teams run — from ARR tracking to USD wire reconciliation to per-customer COGS — native to your banking screen. #### Live, not retro Every contract change tagged at PG/wire landing. New / expansion / churn classified. NRR, GRR, magic number live. #### FIRC + FX USD / EUR / GBP / SGD wires reconciled to invoices. FX gain/loss surfaced. FIRC tracked for SEZ + STPI claims. #### By service / org AWS, GCP, Azure, OpenAI — tagged per org / project / team. COGS allocated. Per-customer infra cost surfaced. #### Chargebee / Stripe Subscription cycles reconciled to bank settlements. Failed payments flagged. Dunning agents draft recovery emails. #### FD ladder + liquid Idle corpus auto-swept. +3-4 months runway typically unlocked in week one. Withdrawal-on-demand preserved. #### Auto-drafted monthly Monthly update auto-drafted from live data. Burn, runway, ARR, NRR — already accurate. Edit narrative, hit send. ### Banking that speaks SaaS. ARR-aware. Multi-currency native. Runway-optimised. Built for the way SaaS companies actually scale. --- ## Startup Banking & Finance Ops · Open URL: https://open.money/solutions/startups Open a business bank account, run payroll, manage spend, raise capital. Connected banking for India's next generation of startups. # Banking for the founder-led finance team. For early-stage founders running finance themselves — or a one-person finance team handling everything. Open gives you the banking infrastructure of a Series E company, without the enterprise pricing, the six-week onboarding, or the consultant on retainer. ### When finance is one of your hats. You raised ₹15-100 Cr. You have 1-3 banks, a fund corpus that needs to last, vendor payments going out, compliance to file. You're a founder, a CEO, or that overworked first finance hire. Open is built so you don't need a CFO yet. - 01 One screen across every bank — current, escrow, FD. See your true runway, not "I'll check Tally later." - 02 Treasury for fund corpus — auto-sweep idle balance into FDs and liquid funds. Add months to runway without doing anything. - 03 Payments with founder-friendly approvals — one-tap mobile approval, two-of-two for high amounts, biometric on the device. - 04 GST + TDS + ROC + advance tax filed inside banking — your CA reviews, you don't track deadlines. - 05 Investor reporting on autopilot — burn, runway, AR/AP, cash position auto-drafted as a monthly investor update. ### Open replaces the first two finance hires. A pre-Series-B startup typically spends ₹1.8-2.4 Cr a year on a CA firm, a part-time CFO, a payroll vendor, a treasury consultant, an audit firm, and the spreadsheet wrangler. Open replaces five of those — and works with the sixth. #### Treasury consultant Auto-sweep into FDs and liquid funds. Yield optimised per your policy. Pulled back instantly when payables need it. #### Recon & accounts VA Smart Statement tags every transaction at source. Three-way recon with marketplaces, PG, bank. No manual matching. #### Compliance tracker Every deadline, every entity, every GSTIN — calendared. Drafts prepared. Filing paid from your current account. #### Manual investor updates Monthly burn, runway, AR, AP, cash position drafted automatically. Edit the narrative, hit send. #### Card spend tracker Works with the corporate cards you already carry. Policy guardrails, receipt capture, monthly categorisation. #### Your CA / auditor Auditor login, view-only roles, single-click audit pack export. Your CA loves it because their job becomes simpler. ### Built for the founder-led team. Four common founder-team shapes. Same lean structure, different stage and vertical. Here's the typical setup we see — and what Open swaps out of the founder's week. Founder + early ops hire handle all finance. Payroll, vendor payments, GST, runway — Sunday spreadsheet. On Open: one screen. Payroll in two taps. Treasury auto-managed. Investor update auto-drafted. Fund corpus earning savings-account rates. No CFO, no treasury policy. Burn ₹1.5 Cr/mo. On Open: idle balance into FD ladder at 7.4% p.a. The yield uplift adds ~3 months to runway in week one. Operating in 4 states means 4 GSTINs. Founder running finance with a part-time CA. Deadlines tracked on a Notion doc. On Open: every GSTIN auto-calendared, drafts validated, paid from the current account. Founder gets her week back. CA prep for audit used to be a three-week scramble at year-end. Spreadsheets emailed back and forth. On Open: auditor login, view-only roles, one-click audit pack. The CA exports what she needs. Year-end fire drill is gone. ### Banking infrastructure of a Series E. Pricing of a seed. Connect 3 banks. See your real runway. Optimise treasury. File GST. Draft the investor update. All free under ₹2 Cr monthly outflow. --- ## About Open · Asia's Largest Growing Enterprise Neobanking Platform URL: https://open.money/company/about The company behind AI-native corporate internet banking. Open's mission, story, and the team building connected banking for India's CFO office. # Building the Enterprise Neobanking OS for India's businesses and banks. Open is a billion-dollar fintech enterprise and Asia's largest enterprise neobanking platform — built for modern SME and enterprise finance teams. Open powers 50,000+ finance teams , processes $40B+ in annualised B2B payments, deploys SME internet banking for 3 of India's top 5 banks , and partners with 20+ banks across India. ### One OS. Three platforms. #### Open Money AI-native Corporate Internet Banking for finance teams. Multi-bank connectivity, B2B payments, Smart Statement, Smart Ledger, treasury, AR/AP and agents. #### Zwitch Banking and payments infrastructure for platforms. APIs for collections, payouts, validation, BBPS-B2B, ONDC and embedded financial workflows. #### BankingStack Digital banking platforms for banks. SME internet banking, business banking and corporate banking experiences for leading Indian banks. ### The builders behind India's Enterprise Neobanking OS. Open is built by operators, engineers, designers, bankers and risk teams who understand how money moves across businesses, banks and compliance systems. Licensed by the Reserve Bank of India under the PA / PG regime — among the first five companies to receive the licence. ### 14 of global fintech's most consequential investors. ### Headquartered in Bangalore. The next chapter. ### Join us in building the neobanking OS. Hiring across engineering, product, design and GTM. Bangalore, remote — and our subsidiaries in USA and Dubai. --- ## Contact sales · Open — AI-native Corporate Internet Banking URL: https://open.money/contact-sales A 30-minute walk-through of Open — Asia's largest growing enterprise neobanking platform. We'll map Open to your banks, ERP and finance workflow. # Talk to us about Open.money See how Open connects accounts across 40+ banks with your ERPs, tax systems and workflows — so your finance team can view cash, move money, reconcile transactions and control approvals from one AI-native corporate banking workspace. ### Book a demo Share a few details — we'll reach out within one business day. ### Thanks — we've received your request. Our team will reach out within one business day to understand your requirements and schedule the right conversation. In the meantime — explore the platform · Enterprise overview · About Open ### Five things, thirty minutes. - 01 Consultative deep dive. Your cash visibility, payments and reconciliation stack today — the friction, the cost, the team hours lost. - 02 Platform walk-through. Open mapped to your banks, ERP, tax workflow and treasury — live demo, not slides. - 03 Fitment and rollout plan. What's already built · what's coming in the next 90 days · the rollout sequence we'd recommend for your team. - 04 Q&A on anything. Compliance, security, pricing, contracts, integrations — everything you'd need to brief leadership. - 05 Next steps + CFO brief. A short brief deck — sent the same day — so you can forward it to your CFO and finance committee. ---