AI finance team

Books, bank, and GST still disagree about your cash.

Margyn is the AI finance team for India's growing businesses. You connect the tools you already run — books, payments, your store — and talk to it on WhatsApp. It only treats a number as true when two independently operated sources agree, so you get one answer you can act on instead of three that don't match.

See how it works
Read-only connectors WhatsApp-first Two sources before it acts
margyn sends this to you
Reconciler · Livejust now

Razorpay and Zoho didn't match on one payment. Margyn sent it to review instead of guessing.

Matched automatically41
Needs review1

One Razorpay payout doesn't line up with the Zoho ledger. Flagged for a human to look.

Ask on WhatsApp · Livetoday

You: which payments still need a books match?

Unmatched Razorpay payouts3

Three Razorpay payouts are unmatched in Zoho. Want the list?

Briefing · Comingsoon

Morning and evening WhatsApp briefings on what moved.

StatusNot live yet

Not live yet. Waitlist gets first access.

01The problem
Five sources, five answers

Five logins, and four different answers to "how much cash do I have?"

Payments in one tab. Accounting in another. The bank in a third. Commerce and tax somewhere else. Each feed is right about its own slice. None of them is the full picture until they are checked against each other.

The gap between these numbers is where founders lose the week — and sometimes the money.

asking each one: how much cash do I have today?
Razorpaysettlements₹42.1L
Shopifyorders paid₹40.6L
Zoho Bookswhat got keyed in₹41.0L
Your bankreal cash, days late₹37.2L
GST portalfilings onlyno view
The gap between these numbers is where the money goes missing.
02What Margyn does
The shape of it

See it. Ask it. Act only when sources agree.

Three layers, in order. Each one only works if the one under it does.

01

See everything

One picture across the tools you already use — starting with books, payments, and your store.

Live today
02

Ask in plain language

WhatsApp and in-app Ask. Answers use computed figures from connected sources — not invented totals.

Live today
03

Act with discipline

Agents move only when two independently operated sources agree. Otherwise a human looks.

Live: Reconciler · Coming: Briefing & more
03The deterministic backbone
Vitals and Pulse

Six vitals. One number.

Vitals are computed from connected data. Words on top are generated. The model does not invent the figure.

Cash position
₹42.1L
Illustrative layout — your numbers come from your connectors.
Receivables aging
₹18.4L
₹6.1L is already past 30 days.
Payables due
₹11.3L
Next spike lands in 4 days.
GST / ITC leakage
₹1.2L
Input credit mismatches, flagged before you file.
Net margin
14.6%
After the refunds and fees your ledger missed.
Working capital runway
4.2 mo
Measured from real cash flow. Usually a month tighter than the guess.
76Pulse Score

Operating and financial health

Not a credit score. Pulse is an internal operating read — not a lender score, not a CIBIL substitute.

The AI narrates the score. It never calculates it. Every vital is a deterministic computation over your connected data. The words on top are generated. The numbers under them are not.

04Ask Margyn
The chat layer

You can talk to it.

Ask a real question. Get an answer built from connected source data — with Verified vs Signal said in plain words.

No report to open, no filter to set. You ask the way you'd ask a finance lead who already has every number in front of them.

The answer reads like plain language. It isn't a guess. Every figure comes from the same computation that drives the vitals.

"Which Razorpay payments still don't match Zoho?"
"Did Shopify and Razorpay agree on yesterday?"
Ask Margyn
Which Razorpay payments still don't match Zoho?
Margyn

Three payouts are unmatched in books. I can list amounts and dates — Signal until books catch up.

Did Shopify and Razorpay agree on yesterday?
Margyn

Mostly. One order is paid in Shopify and missing in Razorpay — needs review.

Every number traces to source data. Margyn doesn't invent one.
05Agents
The frontier

It can act for you.

One agent is live. More ship only when they can act without guessing.

Live

Reconciler

Matches payments, orders, and books. Mismatches go to review. Talk to it on WhatsApp.

reads Razorpay overnight checks against Zoho Books matches payments to ledger entries flags what doesn't match waits for your reply
LiveReconcilermatches payments, orders and books
LiveAsk / WhatsApp Q&Ainbound questions on your numbers, read-only
ComingBriefing (Opening & Closing Bell)morning and evening WhatsApp picture of what moved
ComingGST Guardwhen GST and books stop agreeing
Margyn
online
Reconciler
One Razorpay payment didn't match Zoho Books — amounts differ by ₹4,200.
Send it to review, or check the payout details first?
Done. It's in the review queue. 41 other payments matched automatically overnight.
06Connections
The connector map

Connects to what you already use.

Margyn sits on the tools you already run. Nobody has to change how they work.

Live today
Razorpay payments Shopify orders and refunds Zoho Books ledger
Coming
Tally Cashfree GST / GSP Bank (Account Aggregator via partner) WooCommerce Amazon SP-API PayU QuickBooks Online
Enhancer layer
Meta Ads Google Ads

The enhancer layer feeds ad spend into net margin and acquisition cost, so the vitals reflect what you paid to earn the revenue.

07Why it can act
The trust layer

An agent only acts when independent sources agree.

Before Margyn treats a number as safe to act on, it wants the same fact from two independently operated sources — for example payments and books. When they disagree, a human looks. No guessing to close the gap.

It reaches you on WhatsApp — where Indian founders already run the business.

payments ✓   books ✓   reconciled automatically
amounts differ by ₹4,200   sent to human review
Payments
Books
both sources agree
Margyn acts on its ownanything that does not line up goes to a person

It reaches you where you already work.

Owners here run the business from WhatsApp, not a browser tab they mean to open. So that's where it talks to you. No login, no new screen.

1
channel you already use
0
new dashboards to learn
2-source
rule before it acts
Early access

Deploy your AI finance team now.

We're onboarding a small group of Indian digital-native founders. Join the waitlist — direct line to the team, first access as agents go live.

Talk to us