Make treasury a revenue function, not a back-office cost center.
Every day, finance teams leave 15–22% annualized yield on the table — in unclaimed early-payment discounts, idle factored receivables, and manual processes that don't scale. ARFactor AI closes those leaks with autonomous, auditable, mobile-first agents built on the best open-source finance frameworks in the world.
The $3.1 trillion problem hiding in plain sight.
In 2023, Maya Okafor's treasury team at Lumen Cloud built an internal bot to capture vendor early-payment discounts. In its first year it booked $4.7M in risk-free savings on $42M of qualifying AP — a 35× ROI.
The pattern was obvious: every enterprise finance team in the world had the same problem, and almost none had the engineering depth to build the solution. So we did it once, properly, on open-source foundations, and put it in a box anyone can use.
Today, ARFactor AI runs on the same open-source frameworks that power the world's best AI finance research — FinRobot, CrewAI, AgenticPay, and SalesGPT — running serverlessly so it costs nothing to operate except hosting.
What we believe.
Every agent decision ships with the reasoning chain, the data points it considered, and a human-readable explanation. No black boxes. Your auditors will thank us.
We build on open-source frameworks and open-source LLMs. Your data never trains someone else's model, and you can self-host the entire stack if you ever want to.
99% of finance leaders check treasury on their phone. Every workflow, every approval, every insight is optimized for that thumb-first reality.
Our Starter tier is genuinely free — no per-invoice charges, no watermarks, no nag screens. We'd rather you grow into Growth than force you out of pocket to validate the thesis.
Built by treasury operators, AI architects, and former regulators.
We've shipped treasury products at Lumen Cloud, banking infrastructure at Plaid, AI finance research at MIT, and have personally examined the kinds of books our agents are now touching. Combined 80+ years in finance & AI.
Maya Okafor
CEO & Co-founder
Former VP Treasury at two unicorns. Built the first autonomous early-pay capture system at Lumen Cloud.
Daniel Reyes
CTO & Co-founder
AI architect. Core contributor to FinRobot. PhD in multi-agent systems, Stanford.
Priya Shah
Head of Product
Designed treasury products at Bloomberg and Ramp. Obsessed with finance UX on mobile.
James Whittaker
Head of Engineering
Built banking infrastructure at Plaid and Stripe. Owns our reliability story.
Aisha Bello
Head of Risk & Compliance
Former OCC examiner. Ensures every agent decision passes audit.
Tomás Iglesias
Head of Growth
Took two fintech startups from seed to Series C. Knows the finance buyer.
Backed by the people who built the playbook.
Prof. Robert Chen — AI Finance, MIT Sloan
Lakshmi Iyer — Former CIO, Kozak Capital
Sarah Lin — Partner, Quiet Capital
David Okonkwo — Former CFO, Helix Health