--- title: "Fynex — Run your business, not your books" description: "Fynex puts AI agents on your money — they accept payments, split revenue, route every payout to the cheapest rail, and reconcile your books in real time. One AI-native finance platform, not a dozen tools." url: "/" --- # Run your business, *not your books* Fynex puts AI agents on your money. They verify the work, route every payment the best way for you, and pay everyone you owe — so you keep more margin on every movement. *Agentic finance.* ## The case for *agentic finance* Four reasons finance is moving from tools that report to agents that run. - **Unconflicted** — We don't own the rails, so we route by what's best for you, not by what pays us. That's margin you keep. - **Multi-rail** — Every PSP, bank and rail in one place. Pay anyone, anywhere, in any currency. - **AI-native** — Agents run your finance ops in real time. They don't summarise the work, they do it. - **Compliant by default** — Built to UK, US and EU financial regulation, with client funds safeguarded. We hold the licence, so we hold the funds. ## Pay with everything. *Connect* to everything Cards and wallets in, payouts out, no-code links when you need them, your accounting in sync. Integrates with: Revolut, Wise, Mercury, Brex, Airwallex, Ramp, Bluevine, Bank of America, American Express, Xero, QuickBooks, FreshBooks, WooCommerce, monday.com, BLIK, Apple Pay, Google Pay, Visa, Mastercard. ## Four jobs you do by hand. *Fynex runs them for you* 1. **Your finance work runs itself** — Invoicing, tax, and reconciliation happen on their own, not on your people's time. 2. **Pay any contractor, automatically** — Pay creators, crew and contractors by rule — in pounds, dollars or any currency they bank in. 3. **See the numbers you could never see** — Profit by job and channel, runway and burn, live on one screen. 4. **Switch the business on** — Built-in KYC, KYB, and Merchant of Record clear the compliance that blocks your launch. ## Your whole finance picture, in one live view Every payment, payout, and number, in real time. Ask a question, get a straight answer. ## Agents that run the whole money chain, *not just the payment* Before a payout goes out, Fynex agents check the work, apply your terms, split the revenue, and pay. Then they close your books behind it. The intelligence layer decides each move, the agents make it, and you approve anything that moves money. 1. **Verify before you pay** — Agents confirm the work was delivered before a payout is prepared. Accountability, not chasing. 2. **Capture every term** — Discounts, retention, rate cards and caps, pulled before money moves. You stop leaving money on the table. 3. **Split the revenue** — Your share and your contractors', routed by rule. No spreadsheets, no manual maths. 4. **Pay, around the clock** — Compliant payouts in pounds, dollars or any currency, executed and settled 24/7 — no days off. ## Know what every job and every contractor actually makes Live margin by job, channel, and contractor, after every payout, fee, and cost. Spot a job losing money while you can still do something about it. | | | |---|---| | Gross margin | 32.4% · ▲ 2.1% | | Total margin MTD (Revenue − COGS) | $923,545 | | Rule of 40 | 54.5 | | Job #4821 margin | $2,310 · 27% | ## One platform. Built for *your* model Pick what you run. We'll show you the finance work Fynex agents run for it. - **Marketplaces & Platforms** — Split payments, seller onboarding and payouts — Fynex for marketplaces. We're your Merchant of Record and hold the funds, so you launch without becoming a payments company. KYC, splits and payouts, handled. - **Software Companies** — Multi-currency accounts, invoicing and contractor payouts — Fynex for software companies. Agents run your billing, reconciliation and global payouts, so your finance runs on autopilot while you ship. - **Home Services** — Payments, crew payouts and true profit per job — Fynex for home-services companies. We pay your crews, PMs and sales reps automatically, show real margin on every job, and kill the tool sprawl. - **Digital Agencies** — Project margin, freelancer payouts and retainer billing — Fynex for digital agencies. Agents bill your retainers, pay your freelancers and show margin per project, so you run the agency, not the books. - **Professional & Accounting** — Payment links, auto-reconciliation and partner payouts — Fynex for professional firms. Collect with no-code links, reconcile automatically, and run renewals and partner payouts, without the manual close. ## Find what you're leaking, for free Send us your setup. We run a free diagnostic and show you what your payment stack costs you today. > One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client. ## The trust layer most software can't offer We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence. - **FCA-authorised EMI** — An e-money institution via Fondy. We can hold and move your funds. - **PCI DSS Level 1** — The highest card-data security standard, on by default. - **Audit logs** — Every movement traceable and ready for review. - **Built-in KYC / KYB** — The switch that turns the business on. ## Questions, answered ### What is agentic finance? Agentic finance means AI agents run your financial operations instead of dashboards just reporting on them. Fynex agents accept payments, split revenue, route each payout to the cheapest rail, invoice, and reconcile your books in real time — the manual finance work, done for you. One AI-native financial operations platform, not a dozen disconnected tools. ### Can Fynex show our cash flow, margin and runway in real time? Yes. Because Fynex runs the money — every payment, payout, fee and FX cost — it shows live cash flow, margin and runway calculated from real movements, not a spreadsheet someone rebuilds. Ask a question in plain language and the AI gives you a straight answer, so you can spot a cash-flow gap or a margin leak while you can still act on it. ### Can I open a multi-currency business account with Fynex? Yes. Fynex gives you a multi-currency business account with virtual-account IBANs, so you hold, receive and pay out in EUR, USD, GBP and more from one place. You stop stitching a bank account and separate FX tools together by hand, and every movement stays reconciled to your books. ### What is a payout, and how do Fynex payouts work? A payout is money your business sends out — to sellers, contractors, partners or your own accounts. Fynex runs multi-currency payouts across SEPA, SWIFT and local methods, by rule or on schedule, routing each one to the lowest-cost rail. Because we're unconflicted — we don't own the rails — we route by what's cheapest for you, not what pays us. ### Can Fynex automate invoicing and recurring payments? Yes. Fynex automates invoicing, payment reminders and recurring payments, so invoices go out on time and chase themselves until they're paid. Subscription and renewal billing run with dunning, and every payment reconciles to Xero, QuickBooks or FreshBooks in real time — no one on your team has to touch it. ### Is my money safe? What licences does Fynex hold? Yes. Fynex is an FCA-authorised e-money institution and PCI DSS Level 1 — the highest card-data security standard — with client funds safeguarded and every movement logged for audit. We hold the licence ourselves, so your money is handled to regulated EMI standards, not passed through unlicensed software. ### Do I have to replace Stripe or my accounting software? No. Fynex coexists with what you already run. Keep Stripe Connect and add Fynex for cross-border payouts, multi-currency settlement, smarter split payments or Merchant of Record — or replace it when you outgrow it. Your accounting stays in sync with Xero, QuickBooks and FreshBooks either way. ### How is pricing structured, and how quickly can we go live? Pricing is agreed per case — we work with different commercial models, including performance-share pricing, so terms fit your volumes and markets. The fastest start is a free diagnostic: send us your setup, we show you what your payment stack costs you today, then you go live once compliance is switched on. No contract to start. ## **Fynex** isn't a toolkit. It's the intelligence layer on your money, run by AI agents, built to fit your model and scale worldwide --- The AI finance layer for platforms and operators. It runs the money chain and keeps more of it in your business. One platform instead of a dozen. © 2026 Fynex