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.
- 01ARR / MRR tracker — every contract auto-tagged from PG settlements (Stripe, Razorpay) + bank wires. New / expansion / churn classified at landing. NRR and gross retention live.
- 02Multi-currency invoicing — USD, EUR, GBP, SGD wires reconciled to invoices. FX gain/loss surfaced. FIRC tracked for export-incentive eligibility.
- 03Cloud spend by service — AWS, GCP, Azure, OpenAI — tagged at landing per organisation / project / team. COGS allocated automatically. Per-customer infra cost surfaced.
- 04Customer billing — subscription cycles tracked in Chargebee / Recurly / Stripe Billing. Failed payments flagged. Dunning + recovery agents drafted.
- 05Treasury 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.