MFT Intelligence
AI agents that work your numbers. Accountants who sign off.
MFT Intelligence is a set of twelve specialised finance agents built by our audit and Odoo teams. Each does one job continuously on your own data. Every finding cites the records it came from, every proposed action stays a draft until a named person approves it, and a licensed MFT accountant reviews what reaches you.
Twelve agents. Two selling today.
The Auditor and Virtual CFO agents are delivered now as a managed service. The other ten run daily inside MFT’s own validation programme and are promoted only after a written decision, never automatically.
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Available now
Auditor agent
- Continuous review of your books against ISA 320 materiality thresholds calibrated to your business
- Flags every transaction or balance above the threshold, ranked by financial impact
- Duplicate payments, near-duplicate vendors, unusual approvals and cut-off issues
What it does for you Problems surface when they happen, not at the annual audit, and the risk of a material misstatement drops.
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Available now
Virtual CFO agent
- Profitability, cash flow and budget-variance analysis every month
- Board-ready reports in Arabic or English
- Reviewed and presented by an MFT accountant
What it does for you CFO-level visibility without the cost of a full-time hire, built for small and mid-sized companies.
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Internal validation, launching soon
Accountant agent
- Complete month-end close checklist
- Bank reconciliation and detection of entries above materiality
- Drafts correcting entries for your approval, never posts automatically
What it does for you A faster, more accurate monthly close with your team keeping the final say.
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Internal validation, launching soon
Warehouse, inventory & production agent
- Stock levels, reorder points, valuation and slow-moving items
- Receipts matched to purchase orders; abnormal movements flagged
- Bill-of-materials, manufacturing-order and quality-check consistency
What it does for you Less capital locked in idle stock; receiving and production discrepancies caught early.
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Internal validation, launching soon
HR agent
- Headcount, probation periods and contracts approaching expiry
- Payroll register reconciled against the employee master
- Recruiting, performance, training and benefits reporting, with names and national IDs redacted
What it does for you Payroll discrepancies surface early and no contract renewal is forgotten.
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Internal validation, launching soon
Payroll & workforce-cost agent
- Workforce cost by department and project
- Overtime trends
- Indicative end-of-service and leave provisions, always flagged for accountant confirmation
What it does for you You see where labour cost is going before the payroll run closes.
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Internal validation, launching soon
Sales & CRM agent
- Pipeline, conversion and customer concentration
- Receivables ageing against credit limits
- Discount and return patterns by customer and channel
What it does for you Margin and credit exposure become visible per customer, not just per month.
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Internal validation, launching soon
Procurement agent
- Purchase-order to receipt to invoice matching
- Vendor master hygiene: duplicates, dormant vendors, changed bank details
- Price variance against agreed terms
What it does for you Leakage in the purchase cycle is caught at the order, not at the audit.
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Internal validation, launching soon
Tax & compliance agent
- VAT and withholding checks per country (Egypt 14%, Saudi 15%)
- E-invoicing coverage (ETA, ZATCA) against the sales ledger
- Filing calendar and exposure summary
What it does for you Tax exposure is known before the return, not after the assessment.
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Internal validation, launching soon
Treasury & cash-flow agent
- 13-week cash-flow view from open receivables, payables and commitments
- Bank balance and facility monitoring
- Runway recalculated when terms change
What it does for you No cash surprise reaches the board first.
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Internal validation, launching soon
Fixed assets agent
- Register completeness against purchases
- Depreciation and disposal consistency
- Physical-verification follow-up
What it does for you The asset register matches reality and the depreciation charge is defensible.
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Internal validation, launching soon
Project costing agent
- Cost-to-complete and margin per project
- Retentions, advances and subcontractor certificates
- Progress billing against milestones
What it does for you Project margin is known during the project, not at handover.
Execute after approval
Agents draft. People approve. Then, and only then, it executes.
The Accountant and Warehouse agents can carry an approved draft into Odoo so nobody re-keys it. The approval is tiered by your ISA 320 materiality threshold, approvers are registered by name, and mistakes are corrected by reversal, and nothing is ever deleted.
Draft
The agent proposes a correcting entry or stock adjustment, with the evidence it cites.
Named approval
One registered approver below your materiality threshold; two at or above it, the second a reviewer or manager.
Execution & log
The entry is created in Odoo by a dedicated, restricted user and recorded in the run log with who approved, when, and the resulting entry id.
Live Odoo write-back is delivered per client after their connector is configured; until then approved drafts are handed to your team as ready-to-post entries.
Governance, in code
A written AI policy that the software enforces.
Most AI governance is a document on a shelf. Ours is a table in the codebase: which model providers may process real client data, which are barred, how the default is chosen, and what every run must log. Changing the table requires a written decision from the CEO in the same commit. The full policy is available to clients on request.
- Provider authorisation
- Real client data may only be processed by providers the policy authorises. Unauthorised providers are refused even when technically configured, and automatic fallback stops rather than switching to one.
- Evidence or silence
- Every finding must cite the record ids the agent actually retrieved. Findings that cite nothing, or a number not in the cited records, are rejected and shown struck through, never as facts.
- Run log, seven years
- Each run records provider, model, whether it ran in the cloud, tokens, client and task. Retained seven years by default, in line with ISA 230 working-paper conventions.
- Your data stays on your system
- Client ledgers are read from the client’s own Odoo at query time and are not copied into MFT’s systems, in line with Saudi PDPL and Egyptian data-protection requirements.
Engagement
Scoped to you. Quoted by an accountant.
Three engagement shapes, priced per scope. Every one includes onboarding by an MFT accountant, materiality calibration for your business, and integration with your Odoo (or other ERP) data with every proposed action held as a draft for your approval.
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Essential
One agent, one monthly report.
- Your choice of the Auditor or the Virtual CFO agent
- One monthly report reviewed by an MFT accountant
- ERP connection and onboarding; proposals delivered as drafts for your approval
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Professional
Audit and CFO together, continuously.
- Auditor and Virtual CFO agents together
- Continuous weekly review of your books
- Instant alerts when a transaction exceeds your materiality threshold
- Monthly review call with your MFT accountant
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Complete
Every agent, fully integrated.
- All twelve agents, the validation-stage ones as they are promoted
- Full Odoo integration across finance, inventory, HR and projects
- Custom reports and dashboards
- Named MFT lead for the engagement
No fixed prices are published. Each engagement is priced to entity count, transaction volume and reporting scope.
Direct answers
What is MFT Intelligence?
A managed AI-agent service from Modern Financial Technology. Twelve specialised finance agents run on your ERP data; MFT accountants review the output; a governance policy enforced in code controls what the agents may do and where your data goes.
Which agents can I buy today?
The Auditor agent and the Virtual CFO agent, delivered as a managed service with monthly or continuous review. The other ten are in MFT’s internal validation programme and are offered as they are promoted.
Does an agent ever post or pay anything by itself?
No. Agents only draft. A named, registered person approves every action; above your materiality threshold a second person must approve. Corrections are made by reversal entries, never deletion.
Where does my data live?
On your own Odoo (or other ERP). Agents read it through the API at query time; MFT does not copy your ledger into its systems.
How is it priced?
Per engagement, based on the agents you need, the number of entities and your monthly transaction volume. Request a quote and you receive a scoped proposal from an MFT accountant.
Is this the same as seg-audit?
seg-audit is MFT’s audit and reporting platform. The same Auditor and CFO agents are being integrated into its report pipeline so every report is AI-reviewed before human review. MFT Intelligence is the standalone service you can engage directly, with or without seg-audit.
Talk to a CPA, not a sales rep.
A 30-minute call to understand your entity, your systems and what a decision-ready close would look like. Free, and you leave with one concrete next step.