Industries/Fintech & neobanks/Close Agent
Investor-grade closefintech & neobanks.
Investor diligence on SaaS metrics still requires a clean GAAP close — flux on revenue and rewards liability is explained with GL references. Flux decks rebuilt each month from pivot tables.
Scenarios in fintech & neobanks
Partner bank vs product sub-ledger
FBO and operating accounts must tie to customer liability accounts daily. Close Agent maintains rolling flux narratives tied to GL detail.
Onboarding velocity vs compliance depth
VP Finance approves material adjustments.
Investor-grade close
Account 6200 Professional fees moves from $375k to $517k month over month — above the 10% / $50k flux policy on the Aster Bank demo ledger.
What the agent checks
- Flux threshold by account class (percent and dollar)
- Required commentary on material accounts
- Prepaid schedule vs GL balance
- Intercompany pair balance to zero
- Suspense account aging
- Close task dependencies on calendar
How it works
- 1
Load period context
Import trial balance, prior period, and close checklist status. Map accounts to owners and materiality thresholds.
- 2
Run flux analysis
Calculate dollar and percent change per account. Flag accounts over materiality or with missing commentary from the prior close.
- 3
Explain drivers
Link large movements to sub-ledger detail, open AP/AR items, or manual journals. Draft variance narrative controllers can edit.
- 4
Propose adjustments
Suggest accruals, prepaid amortisation, and reclasses with debits and credits explicit. Enforce maker-checker before post.
- 5
Track the calendar
Update BD-minus timeline tasks as items clear. Surface blockers — unreconciled IC, open flux, pending approvals.
Questions
Works with our BaaS sponsor's file formats?
File layouts are mapped in pilot; we do not assume a single canonical format across sponsors.
API-first?
Yes — webhooks and APIs are common for high-volume fintechs after read-only file prove-out.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.