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.
- 01One screen across every bank — current, escrow, FD. See your true runway, not "I'll check Tally later."
- 02Treasury for fund corpus — auto-sweep idle balance into FDs and liquid funds. Add months to runway without doing anything.
- 03Payments with founder-friendly approvals — one-tap mobile approval, two-of-two for high amounts, biometric on the device.
- 04GST + TDS + ROC + advance tax filed inside banking — your CA reviews, you don't track deadlines.
- 05Investor 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.
1 banking screen.
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.
₹0 in treasury yield.
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.
CFO is the founder.
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.
to take 3 weeks.
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.