How Agents Work
Fincelo’s agents are not simple automations — they are AI-powered decision engines that:- Learn from every decision your CFO makes (path A/B/C on period close, dunning template choice, churn view selection)
- Predict before problems happen — churn risk, payment delays, expansion opportunities
- Act autonomously within guardrails you define — with full audit trail
- Communicate with each other via an event bus — one agent’s finding triggers another agent’s action
All agents start inactive by default. You activate each one deliberately. Autopilot rules require explicit CFO approval before going live.
The 7 Agents
Smart Billing
Generates invoices from contracts. Handles PO delays (proforma → tax invoice on receipt), usage-based billing, expansion billing with 3-option presentation. Never auto-pro-rates.
Collections
Multi-channel dunning (email, WhatsApp). Promise-to-pay tracking. Payment behaviour scoring (0–100). Bad debt provisioning. FIFO/LIFO/manual allocation. Escalates to CSM when customer goes silent.
Renewal
90/60/30/7 day renewal alerts. Grace period management (30/45/60 days configurable). Renewal state machine: Active → Renewal In Progress → Grace Period → Signed → Year 2 Active. Never shows “Expired” if renewal intent flagged.
Compliance
GST e-invoicing — IRN generation, QR embedding, GSTR-1 auto-population. TDS 194J reconciliation against 26AS. Digital signatures (GST Rule 46). E-invoice cancellation within 24h or credit note with own IRN.
Period Close
Detects conflicts between revenue recognition and filed GSTR-1. Manages 3-path close: Path A (auto-post), Path B (split + CFO approval), Path C (reopen — dual CFO + Controller approval). GSTR-1 conflict check on Path C only.
Revenue Anomaly
Real-time ARR deviation detection. Usage threshold alerts (tier-based: Platinum at 85%, Poor at 70%). Expansion signal detection. Competitor mention tracking from support tickets. Feeds churn predictor automatically.
CFO Copilot
Orchestrates all 6 agents. Generates CFO Morning Brief daily at 6:30 AM IST. Conversational interface — ask “what is our NRR this quarter” and get a live answer from your Supabase data. 14 suggested questions built in.
Agent Credit System
Agents consume credits from your monthly allocation. Credits reset on the 1st of each month.| Agent | Credit Weight | Reason |
|---|---|---|
| Collections | 1 credit | High frequency, low complexity |
| Smart Billing | 1 credit | High frequency, low complexity |
| Compliance | 1 credit | Rule-based, predictable |
| Renewal | 1 credit | Scheduled, predictable |
| Period Close | 2 credits | Complex analysis, CFO decisions |
| Revenue Anomaly | 2 credits | Continuous monitoring |
| CFO Copilot | 3 credits | Orchestration + AI reasoning |
Plan Allocations
| Plan | Monthly Credits | Overage |
|---|---|---|
| Growth + Agents | 1,200 credits | ₹6/credit |
| Enterprise | 5,000 credits | ₹4/credit |
Inter-Agent Event Bus
Agents talk to each other. When one agent detects something, it publishes an event that triggers another agent’s action — without human intervention.| Event | Source | Target | Action |
|---|---|---|---|
| Invoice overdue 45d | Collections | Customer Intel | Rescore health score |
| Churn risk high | Customer Intel | CFO Copilot | Priority alert in brief |
| ARR deviation detected | Revenue Anomaly | Period Close | Flag for review |
| Renewal at risk 30d | Renewal | Collections | Accelerate dunning |
| Contract signed | Smart Billing | Smart Billing | Activate billing cycle |
| Health score critical | Customer Intel | CFO Copilot | CFO + AM immediate alert |
| Invoice overdue 90d | Collections | CFO Copilot | Legal escalation flag |
| Expansion signal detected | Revenue Anomaly | Customer Intel | Create expansion play |
Autopilot
Each agent can be configured with Autopilot Rules — actions the agent takes automatically within CFO-defined guardrails. Every autopilot rule has hard guardrails:- Maximum amount per action
- Maximum executions per day
- Maximum executions per customer per week
- Minimum confidence score required
- Allowed customer tiers
- Blocked customer IDs
CFO Memory
Every CFO decision is remembered:- Which dunning template was chosen for which customer tier
- Which period close path was selected and why
- How expansion billing was handled
- Which churn view was applied (refund vs no-refund)