> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincelo.app/llms.txt
> Use this file to discover all available pages before exploring further.

# AI Agents Overview

> Fincelo deploys 7 AI agents that run your entire revenue function. Each agent learns from your CFO's decisions and gets smarter every month.

## 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

<Info>
  All agents start **inactive** by default. You activate each one deliberately. Autopilot rules require explicit CFO approval before going live.
</Info>

## The 7 Agents

<CardGroup cols={2}>
  <Card title="Smart Billing" icon="file-invoice">
    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.
  </Card>

  <Card title="Collections" icon="hand-holding-dollar">
    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.
  </Card>

  <Card title="Renewal" icon="rotate">
    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.
  </Card>

  <Card title="Compliance" icon="shield-check">
    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.
  </Card>

  <Card title="Period Close" icon="calendar-check">
    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.
  </Card>

  <Card title="Revenue Anomaly" icon="chart-mixed">
    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.
  </Card>

  <Card title="CFO Copilot" icon="brain">
    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.
  </Card>
</CardGroup>

## 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 |

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.

| 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

<Warning>
  All autopilot rules start inactive. The CFO must explicitly approve each rule before it goes live. An Emergency Stop button pauses all autopilot instantly.
</Warning>

## 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)

Over time, Fincelo pre-selects the most likely choice based on historical patterns — the CFO confirms or overrides. Confidence builds with each decision.

[Read more about each agent →](/agents/smart-billing)