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 8 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 Guardian
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.
Customer Intelligence
5-dimension health score (payment health, churn risk, contract health, expansion signal, engagement) with Platinum to Critical tiering. Churn prediction with recommended play and owner. Expansion signal detection, CLV scoring, ICP analysis, and revenue leakage detection.
CFO Co-pilot
Conversational interface over your live revenue data. Generates the CFO Morning Brief daily at 6:30 AM IST. Agent coordination itself is handled by the separate orchestration engine. 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.
The orchestration engine carries no credit weight. It coordinates the agents rather than acting on customers itself.
Plan Allocations
A 10% grace buffer applies before hard block. Overage opt-in must be enabled in Settings → Agents.
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.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)