CRM (Closed Won)
↓
Contract Management ←→ AI Extraction (self-improving)
↓
KYC Onboarding → feeds GSTIN, PO flag, dunning email, TDS
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Billing Engine
├── Subscription billing (monthly/quarterly/annual/multi-year)
├── Advance billing (15/30/45/60/90 days prior)
├── Usage-based billing with overage confirmation
├── Change request / one-time billing
└── Quote to Cash
↓
Invoice Management
├── Proforma → Tax Invoice conversion (PO-delayed)
├── India GST (CGST/SGST/IGST/zero-rated)
└── FX treatment (USD/GBP/EUR invoices)
↓
AR Aging & Collections
├── Payment intelligence scoring (0–100)
└── Dunning sequences (Standard / Enterprise / Aggressive)
↓
Revenue Recognition
├── Deferred revenue schedule
├── Period close — 3-path resolution
└── FX gain/loss (separate from revenue)
↓
Reporting & Analytics
├── ARR waterfall, MRR, NRR
├── Subscription renewal report
├── Contract analytics & risk scoring
└── FX gain/loss report
↓
AI Agent Layer (7 agents)
├── Collections agent — dunning, payment prediction, escalation
├── Compliance guardian — GST, TDS, IRN, filing deadlines
├── Smart billing agent — billing accuracy, advance billing, anomalies
├── Period close agent — close checklist, period locking, backdated entries
├── Revenue anomaly agent — statistical baseline, Z-score detection
├── Renewal agent — pipeline, health score, grace period, ARR at risk
├── Customer intel agent — health scores, churn signals, CLV, ICP
├── Orchestration layer — event bus, agent coordination, conflict prevention
└── CFO co-pilot — natural language, briefings, decision support
