Your industry, on the whole Fintra platform.

An AI finance operating system is a single platform that runs a business’s core finance and workforce operations on one shared data model, with AI doing the routine work and a human approving anything consequential before it posts. Instead of stitching together separate tools for accounting, budgeting, forecasting, expenses, bill pay, payroll, tax, and compliance, an AI finance OS unifies them as one system of record so there are no sync jobs or CSV reconciling. Fintra is an AI finance operating system built for small and medium businesses.

Fintra unifies your finance stack on one AI-native data model. Available today: a double-entry general ledger with automated close and financial statements from posted journals; AP, AR, and expenses that each post real journal entries; a deep FP&A suite (budgeting, budget-vs-actuals, forecasting, scenarios, and a report builder with figure-citing AI insights); ASC 606 revenue recognition, sales tax, and sales commissions; Payroll Intelligence with a deterministic tax engine that computes W-2, 1099, and 940 data (you run the pay run itself on the payroll provider you already use, importing the data by CSV today); equity, cap table, 409A, and ASC 718; compliance and GRC; and Control Tower governance that decides whether an action, human or AI agent, should proceed before it moves money. It unifies the accounting, planning, payroll-intelligence, approvals, and compliance work SMBs typically spread across several separate tools.

Yes, for a single-company SMB. Fintra runs a real double-entry general ledger with automated close, financial statements from posted journals, invoicing and AR, and bill pay and AP, plus a guided migration importer that parses an export from your current accounting tool into a balanced opening-balance entry, so it can be your accounting system of record rather than sit alongside it. The difference is scope: Fintra also covers budgeting, forecasting, expenses, payroll intelligence, tax, equity, and governance on one data model. Honest caveat: Fintra is single-company today, so multi-entity consolidation is in early access.

Fintra covers the full spend-management surface: corporate-card controls, expense management, and bill pay and AP, as part of a complete finance OS rather than a standalone spend tool, so spend flows straight into the books and the budget without an export step. Honest distinction: payment controls and accounting are available today; live payment execution is enabled only for approved design-partner configurations, and every expense and bill still posts a real journal entry today.

Fintra checks every consequential action before it happens, whether a person or an AI agent starts it. Because Fintra runs your books, payroll, and money, it sees each action in context, assesses its risk and policy fit across identity, data, compliance, and fraud signals, and enforces a verdict: allow, ask for approval, or block. Anything that moves money is draft-first and human-confirmed: an AI agent can propose, but a named person approves before anything irreversible posts, and every decision is recorded as tamper-evident, audit-ready, SOC 2-aligned evidence you can reconstruct later.

The accounting, FP&A, revenue recognition, sales tax, Payroll Intelligence, equity, compliance, and governance core is available today and posts real double-entry journal entries, covered by tests. Live payment execution, native payroll processing, multi-entity consolidation, and the Control Cloud surfaces (AI Workspace, Company Memory, AI Inbox, and more) are in early access or staged rollout. We show exactly what is available versus what is next, so nothing surprises you mid-pilot.

Not by default. Fintra is a system of record, not a bank or a payment processor. Payment controls and accounting are available today, and every payment, bill, and payroll run posts a real journal entry. Live payment execution is enabled only for approved design-partner configurations; by default Fintra records the accounting without moving funds, so the books are real before the money is.

Fintra leads with Payroll Intelligence, the workflow it owns around the pay run: employee changes, compensation and commissions, time validation, a policy engine, an exception center, payroll cash-requirement forecasting, approvals with segregation of duties, and audit evidence, plus a deterministic tax engine that computes W-2, 1099, and 940 data. The actual pay run is a replaceable box: you use the payroll provider you already trust, importing your payroll data by CSV today to validate, reconcile, and generate evidence, with automated connectors in development. Payroll calculations, tax filings, direct deposits, and money movement are done by your payroll provider, not Fintra. Fintra does not file taxes or move money; it manages the intelligence, controls, approvals, accounting, and audit evidence around every run. Native Fintra payroll is in controlled development (Texas first, shadow mode). Payroll is scoped with you on a call.