Cards, AP, treasury and your system of record are horizontal layers — each one executes a slice of the money chain and stops. Stack them and you still have no one reasoning across the whole thing.
Fynex is the layer above all of it. It reads every layer at once — what's owed, what's due, what's in flight, what each supplier's terms say — and reasons about what to do next. That's the difference between a stack that runs and a stack that thinks. And because the layer runs on AI agents, the thinking doesn't stop at a recommendation: it becomes the payment, the payout, the booked entry.
Your money stack
Intelligence layerreasons across all of it
Fynex
System of recordaccounting
Layer
Treasurycash & FX
Layer
AP / payoutsmoney out
Layer
Cards / pay-inmoney in
Layer
What Fynex watches
Ten things it's thinking about, right now
Across every account, supplier and payment you run — Fynex watches for the move worth making, continuously.
Value to capture
Money you'd otherwise leave on the table.
Discount opportunities
Early-payment terms worth capturing before they lapse.
FX optimisation
The cheaper corridor or rail for money crossing borders.
Recurring patterns
Spend and inflows that repeat, surfaced before you ask.
Risk to catch
Leaks and mistakes, stopped before they cost you.
Late-fee risk
Bills drifting toward a fee, held to the last safe day.
Duplicate-payment risk
The same invoice about to be paid twice.
Vendor data drift
A supplier quietly changing terms, rates or bank details.
Approval bottlenecks
Payments stuck waiting on a sign-off that's overdue.
Cash to protect
Your position and liquidity, watched in real time.
Cash-floor warnings
The date your position is projected to breach the floor.
PSP refund coverage
Whether your processor balance covers pending refunds.
Currency imbalance
Balances drifting out of line with what you owe per currency.
How a recommendation works
Every recommendation, on your terms
Fynex proposes. You decide. Nothing moves money without you.
1
See the reasoning
Each recommendation opens to the numbers behind it — the terms it read, the rule it applied, the saving it found. No black box, no 'trust us'.
2
Check the confidence
Every recommendation carries a confidence score, so you know which to wave through and which deserve a second look before you act.
3
Act, snooze or dismiss
Approve in one click, snooze it for later, or dismiss it and Fynex learns the boundary. Every choice is written to the audit log.
Fynex in action
Three moments, real numbers
Not abstractions — the kind of call Fynex makes for you on an ordinary Tuesday.
Discount capture
It caught a discount you'd have missed
An Adobe invoice arrived with a 2/10 net 30 term. Fynex checked it against your cash floor, saw room, and recommended paying early.
Pay Adobe early · 2/10 net 30▴ 36.7% annualised
£1,420 saved
Cash floor stays clear
Rate drift
It flagged a rate that quietly drifted
A contractor's new invoice came in 18% above their rate card. Fynex caught the drift before the payout run and held it for your review.
Rate drift · Northwind Labs Ltd
Rate card
£85/hr
This invoice
£100/hr
Held for review+18%
Flagged
FX optimisation
It found a cheaper rail for a cross-border payout
A $42,000 payout was about to go SWIFT. Fynex found a local rail and a better corridor, and re-routed it before it left.
Payout · $42,000
SWIFTdefault
$640 cost
Local railFynex-selected
$180 cost
Saved
$460
The trust model
It shows its work, every time
An intelligence layer is only useful if you can trust it. So Fynex is built to be checked: every recommendation shows its maths, every action needs your approval, and every transition is logged.
Every recommendation shows its math
The numbers, the rule and the saving, in the open — never a verdict without the working.
Reasoning
Discount term
2/10 net 30
Annualised return
36.7%
Every action requires approval
Fynex proposes; you approve. Nothing that moves money happens without a human clicking yes.
Action
Pay Adobe early
Awaiting you
Approval
Required
Every transition is in the audit log
Proposed, approved, snoozed, dismissed — every state change is recorded and ready for review.
Audit log
Recommended · 14:02
Logged
Approved · J. Whitfield
Logged
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.
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It's the part of Fynex that thinks. The rest of the platform executes the money chain — payments in, payouts out, reconciliation back to your books. The intelligence layer sits on top of all of it and reasons: it watches for discounts to capture, fees to avoid, rails to optimise and risks to flag, then recommends the next action with the maths attached.
Most finance tools execute and stop — they pay the bill, move the card spend, push the payout. They tell you what you spent. Fynex reasons across the whole money chain and tells you what to do next and what it's worth, so value gets captured instead of left on the table.
No. Every recommendation shows its reasoning and its confidence, and every action that moves money requires your approval. You can act in one click, snooze it, or dismiss it. Nothing happens behind your back, and every transition is written to the audit log.
It reads your own signal — your suppliers' terms, your cash floor, your rails, your accounting — not a generic benchmark. The same engine runs across every vertical; what changes is the data it reads and the benchmarks it compares against, so an agency and a marketplace each get recommendations grounded in their own numbers.
Always. Every recommendation opens to the reasoning behind it — the numbers it used, the rule it applied and the confidence it has — so you're never asked to trust a black box. If you disagree, you dismiss it and it learns the boundary.
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.
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