AI-powered finance and accounting platform for startups. Built backend systems and AI agents across spend management, payment cards, and credit risk — took manual work off Ops and 150+ in-house controllers.
Mark Bill as Paid Spend Management
- "Mark as paid" flow for bills outside Zeni's wire/ACH rails with QuickBooks Online sync
- Saved ~$180K/yr — cut reconciliation 5 hrs/month across 150+ controllers
- Bills sync straight to QBO with per-bill analytics; eliminated manual imports
Zeni Cards — 0→1 Debit & Credit
- Built Zeni's first issued cards from scratch — issuance, ledger, interchange + cashback. 1.5% / 1.75% cashback
- Annual volume ~$12M, gross interchange ~$360K/yr, net retained ~$120K
- Monthly vol. $399K → $544K in Q1, +36% in 3 months; 1,151 txns in March (+45% MoM)
- 99.9999% uptime, p95 < 200ms, p99 < 500ms · $140K cumulative interchange
- One card engine shared across debit and credit via the strategy pattern
- Central analytics framework — drop-in events anywhere, up to 100 fields per event
- Event Notification Processor Factory routes 6+ Unit (BaaS) webhook types to dedicated processors
- RBAC at handler init, multi-tenant namespace isolation, AppEngine task queues with retry/backoff
Credit Assessment Agent AI Agent
- Unlocks 6.7× customer scale (75 → 500+); at full scale: ~$80M volume, ~$2.4M gross interchange
- Automated ~2,000 hrs of underwriting (2 hrs/tenant × 1,000+ tenants)
- AI agent scores every tenant from cash flow, P&L and balance sheet — powered by Zeni's AI CFO
- Prompts cached as macros — no network round-trip per tenant
- Built internal MCP exposing P&L, balance sheet, cash flow, vendor OpEx as tools — LRU-cached, feature-gated by tenant