Meet Cass, your agentic CFO

#What Cass does

• Reads every source you connect, every night: sheets, bank statements, Tally, Zoho Books and connected apps.
• Works out the numbers: cash in the bank, monthly burn, runway, sales, spending, what customers owe and what you owe suppliers.
• Runs 24 checks a CFO would run, written for Indian tax rules, and explains each problem it finds with the figures behind it. See The 24 checks.
• Turns problems into a fix list, most urgent first, with what each step buys: months of runway, money kept each month, interest avoided.
• Watches for changes since the last read and tells you on the bell and by email.
• Keeps your tax calendar: GST, TDS, PF and ESI dates with the amounts your books show.
• Writes the paperwork you'd otherwise write: the monthly investor update and reminders to late customers, for you to send.

#What Cass never does

• Never writes to your books. Every connection is read-only. Cass never edits an entry and never moves money.
• Never invents a figure. Every number is added up from your own entries. If the data isn't there, the card says what is missing instead of guessing.
• Never picks your bank balance. Runway rests on a balance a person confirmed.
• Never sends anything in your name. Reminders and investor updates go from your own email or WhatsApp.
• Never files for you. Filing and sign-off stay with your chartered accountant.

#How Cass talks to you

When you open the diagnosis, Cass greets you with a morning brief: what needs you this month, and an offer to walk through it now or later. Walking through steps you item by item: what it is, why, what it costs to wait, and what to do.

Every problem carries a severity in words: act this week, act this month or watch. Changes since the last read appear on the bell; see Alerts and emails.