Statements, consolidation, budgets, scenarios, bank feeds, invoices and cash forecast on one engine, for a fraction of what the pieces cost apart. And when your business needs a rule or a page nobody sells, paste a Builder pass into Claude, Codex or Gemini CLI and add it yourself.
Explore the platform New: extend it yourselfNot an FP&A tool plus a TMS plus an invoicing app plus a spreadsheet to glue them. One data layer, three workspaces, one subscription, and your own logic on top.
Statements, consolidation, budgets, scenarios, forecast, valuation and covenants from a GL export. What takes three tools and a consultant elsewhere.
Explore FP&A →One API, 19 ERP formats: SAP, Oracle, D365, NetSuite, Sage, QuickBooks, Xero, IFS, Hyperion. K-φ recognizes the layout, maps the columns and classifies every account, so statements are right the first time.
P&L, balance sheet and indirect cash flow from a single import, drillable to the entry. Statutory consolidation, covenant monitoring with breach alerts, and board packs from the same numbers.
Driver-based budgets with per-entity approval, a 10-lever scenario simulator, and company valuation (DCF and comparables) built on the same data.
Bank feeds, customer and supplier invoices and a cash forecast in one Cash worksheet. A treasury system without the treasury-system price.
Explore Cash →Connect your banks in the US, Canada and Europe through open-banking providers. Balances and transactions arrive every day, classified and ready to match.
Customer and supplier invoices from QuickBooks, Xero or your ERP, with ageing, and collections and payments dated from how each partner actually pays.
Collection (DSO) and payment (DPO/DIO) rules measured per entity, business unit and trading partner turn the P&L into dated cash; actuals replace the budget as each month closes.
The rule, the page or the connector your business needs and no vendor has. Paste a Builder pass into your AI assistant: it runs on your numbers and writes back into K-φ.
How the Builder pass works →Paste it into Claude, Codex or Gemini CLI. No token, no repository, no hosting to set up: K-φ orchestrates the code, the cloud and the deployment.
A BUILD is not a dashboard on the side. With an admin's approval it writes into CASH, like the forecast lines of the Salesforce example.
Builders named by an admin, two-factor authentication, versions with rollback, and an audit trail. A BUILD never touches FP&A or CASH.
One click in K-φ. The pass carries your rights: what your BUILD may read, and whether it may write to CASH.
In Claude, Codex or Gemini CLI. Your assistant works on the ledger, bank and invoice data K-φ has already normalized, then builds.
Your team finds it beside FP&A and CASH, in K-φ's look. Keep iterating: every change is a version you can roll back.
Your BUILD runs isolated: it never changes FP&A or CASH, and reads only what an admin grants.
No modules, no tiers, no per-feature add-ons. Everything K-φ does, for every company in the group.
Prices in USD, excluding taxes. Start with a free trial on your own data, no card needed. More than 10 seats, or a consulting firm: talk to us.
A finance platform with three workspaces on one engine: FP&A (statements, consolidation, budgets, scenarios, forecast, valuation), CASH (bank connectivity, invoices, cash forecast) and BUILD, where you build your own finance tools with a Builder pass, on data K-φ has already normalized.
Three ways. Connect QuickBooks or Xero directly — one authorisation, and K-φ imports the ledger from 1 January to today and keeps it in step. Or push from any ERP via a Universal REST endpoint, with pre-built mapping templates for SAP, Oracle, D365, NetSuite, Sage, IFS. Or upload CSV/Excel through the Import Wizard with intelligent auto-mapping. API keys enable automated scheduled feeds.
A link you create in K-φ with one click and paste into Claude, Codex or Gemini CLI. It carries your rights: what your BUILD may read and whether it may write to CASH. Your assistant then builds pages, dashboards and logic, and K-φ handles the code, the cloud and the deployment. Nothing to install, no token or repository to manage.
Anything your business needs on top of your K-φ data: dashboards, industry-specific logic, connectors to other systems such as Salesforce, and results written back into CASH. Every change is a version you can roll back, and you keep iterating from the same chat.
An admin names the builders, and two-factor authentication is required. A BUILD runs isolated on its own service: it never changes FP&A or CASH code, reads only the data an admin grants, writes to CASH only with an admin's approval, and every action is in the audit trail.
Four-tier model: Owner, Admin, Editor, Viewer. Entity-level data permissions restrict access per subsidiary. Feature-level access control (budget_submit, budget_approve, budget_revert, delete_data, etc.) configurable per role. Optional segregation of duty for budget approval. Every action logged in the audit trail.
On Render's Frankfurt (EU Central) infrastructure, backed by managed PostgreSQL with daily automated backups and EEA data residency. Each tenant gets a dedicated database schema — your data is never commingled. Encryption at rest, TLS/HTTPS in transit. Tenant deletion is atomic and permanent.
K-φ embeds DuckDB, a columnar SQL engine compiled to WebAssembly, directly in the browser. Slice hundreds of thousands of GL entries by any dimension, drill down to detail, and get results in milliseconds — no server round-trip. O(1) hash-indexed lookups on trading partners and accounts. GROUP BY across 500K+ rows in under 100ms. PostgreSQL stays the durable source of truth; DuckDB adds a high-speed analytical layer. The AI Consultant can query it in natural language.
Three layers: dedicated PostgreSQL schema per tenant (no cross-tenant queries possible), JWT-scoped application logic (no code path can access another tenant), and tenant-prefixed browser storage keys preventing cross-tenant leakage.
PostgreSQL disk-level encryption at rest (managed by Render). TLS for all connections between application and database. Passwords hashed with bcrypt (12 salt rounds). API keys hashed with SHA-256 — plaintext never stored. All traffic served over HTTPS with HSTS.
Email + password (bcrypt), TOTP two-factor authentication (Google Authenticator, Authy), and SSO via Google, Azure AD, or Okta. Tenant owners can mandate 2FA with a configurable grace period. Auth tokens in localStorage enable seamless multi-tab sessions — copy-paste any URL into a new tab.
Before any request reaches Anthropic (the AI Copilot's model provider), K-φ swaps identifying entity and trading-partner names/codes for stable, meaningless tokens using a deterministic pseudonymization layer that runs entirely inside K-φ's own infrastructure. The model reasons and replies using only the tokens; K-φ swaps them back to real values before the answer reaches your screen or a tool call touches your data. The token mapping is per-tenant and never leaves K-φ. Net effect: no identifiable client data is ever sent to the model provider — a stronger guarantee than a provider's retention policy alone, with no perceptible latency or cost impact.
Yes, by an independent firm. As part of Intuit's security review for the QuickBooks App Store, UV Cyber ran a penetration test on K-φ in 2026: no critical, high or medium finding. Between audits, every release goes through an automated gate of security and regression tests (every bug ever shipped has its own permanent test), sign-in is rate-limited and protected against brute force and account enumeration, the platform is scanned with OWASP ZAP, and production is watched by health checks, smoke tests after each deploy and error alerts.
SOX-grade, append-only audit log in each tenant's dedicated PostgreSQL schema. Every action recorded with timestamp (UTC), user email, action type, and structured JSON details. Cannot be modified or deleted through the application.
No personal data processed beyond login credentials. No third-party analytics, tracking, or advertising. Tenant deletion is atomic — one operation removes everything. Hosted in the EU (Frankfurt) with full EEA data residency.
Book a demo and we will show you K-φ on your own ledger, or open the app, connect your data and extend it yourself.
or
Launch the platform