Secure AI Agent · Virtual CFO
AI applied to
your company's cash
A specialist configured to close the daily cash position, compute runway, track what comes in and goes out, and prepare the monthly management report. Read-only bank access: you decide, it prepares.
Companies that trust UPX
Capabilities
What the Virtual CFO
can do
Main areas of work for the Virtual CFO AI Agent in your company.
Daily cash position
Consolidates balances and shows the position with date and time.
Runway and projection
Computes how many months of operation the cash covers.
Receivables
Flags what is overdue, what is coming due, and who is delinquent.
Payables
Builds the payment queue by due date, ready for approval.
Management report
Prepares the monthly close with variances explained.
Reconciliation
Cross-checks statements against entries and lists what does not match.
Skills
Capabilities that compose the specialist
Skills add specific capabilities to the Secure AI Agent according to the processes it needs to execute.
- Cash position
- Reads balances in read-only mode and consolidates the day's position.
- Runway calculation
- Projects cash from the burn of recent months.
- Bank reconciliation
- Cross-checks statement and entry and isolates the discrepancy.
How it worksFrom the raw statement
From the raw statement
to a cash decision
Connect your sources, define what the agent can do, and get the cash position without opening five screens.
- Connect the financial sources
- Balance reading, with no movement permission.Connect the banks through the UPX Financial integration in read-only mode, plus the ERP and the control spreadsheets, so the Secure AI Agent has access only to what it needs to read and reconcile.
- Ask for the work
- Talk to the agent in natural language.Ask for the day's cash, the updated runway, or the payment queue through the available channels. The agent understands the context, applies the configured skills, and always states the source and date of every figure.
- The agent prepares. You approve.
- Money never moves through the agent.The agent reads, reconciles, and builds the queue within the defined permissions. Approving and submitting payments stay with whoever holds financial authority at the company.
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Integrations
Connected to the sources where the money is recorded
The Virtual CFO can read your balances and controls and run tasks in the systems your team already uses.
Conta Azul Omie QuickBooks 
Flow
What goes in,
what the agent does, and what comes out
From the statement and the ERP to a position you can trust, following your company's authority levels and permissions.
Inputs
- Bank statementOFX
- Payables and receivablesCSV
- Close historyXLSX
Processing
Secure AI Agent
Processing the task
- Read
- Reconcile
- Projectrunning
- Prepare
Read-only accessSource cited
Output
Completed
Position prepared
- Daily cash with date and time
- Runway in months
- Payment queue awaiting approval
Control
You define how far the Agent can act
Different actions can operate with different autonomy levels, always within your company's authority levels.
- 1
Query
Reads balances and entries and answers with source and date.
- 2
Prepare
Reconciles, projects, and builds the payment queue.
- 3
Request review
Waits for approval from whoever holds authority.
- 4
Execute
Performs the action within the defined limits.
Bank access is read-only by design. Approving payments, submitting transfers, and changing payee records always stay with whoever holds financial authority.
Get started
Put a Secure AI Agent to work.
Start on the platform or choose the plan that fits the pace of your operation.
Security and compliance
Security that can be verified.
Certifications and attestations
UPX maintains SOC 2 Type II and ISO 27001, with independent audit over its information security controls.
Privacy and regulation
- LGPD
- Operations follow Brazil's Law 13.709/2018. In AI Agent contracts, UPX acts as data processor; the legal basis remains with your company.
- Zero Data Retention
- A product policy, not a certification: with compatible providers and configurations, processed content is not retained after execution.
- Retention and deletion
- The retention policy is defined by contract. Once the contract ends, data is deleted within the agreed period.
Frequently asked questions
Common questions about the Virtual CFO
What owners and CEOs usually ask before putting an agent into finance.
Does the agent move the company's money?
No. Bank access through the UPX Financial integration is read-only by design. The agent reads balances, reconciles, and builds the payment queue; approving and submitting are acts of whoever holds financial authority.Does this replace my accountant?
No. The report is managerial and exists for day-to-day decisions. Bookkeeping, tax reporting, and statutory filings stay with the qualified professional — the agent actually prepares the close package for them.Does it recommend where to invest the cash?
No. Investment advice is a regulated activity and is out of scope. The agent shows the position, the runway, and the cost of money across your sources, so the decision stays with you or your advisor.Where does each figure in the report come from?
From the sources you connected, with the origin and the as-of date stated. When the bank and the ERP disagree, the agent shows the discrepancy and isolates the entry instead of picking a side.Is financial data used to train models?
No. Content processed by Secure AI Agents is not used to train UPX models or third-party models.Can we audit what the agent did?
Yes. Every action is logged: what was queried, what was proposed, when, in which system, and under which permission. The history stays available for review and auditing.How long does it take to go live?
It depends on how many accounts and systems come in. Connecting banks in read-only mode and starting with the daily cash is quick; the management close follows once reconciliation is stable.
Secure AI Agent
Bring a Secure AI Agent to your company's finance
Talk to our specialists and see how to adapt this AI Agent to your processes, systems, and needs.