Bujeti, the finance control and intelligence platform for African businesses, has launched BRAIN, short for Bujeti's Real-time Artificial Intelligence Network, an intelligence layer that extends the platform from tracking how company money moves to running parts of the finance workflow itself. Four AI agents handle invoice intake, receivables collection, transaction monitoring and internal policy questions, all working on the ledger the platform already holds.
Cossi Achille Arouko and Samy Paul Chiba founded Bujeti in February 2022 to issue corporate cards and manage expenses for African businesses, with spending controls, limits and approval workflows built around them. The Nigerian company raised a $2 million seed round led by Y Combinator, with backers including Entrée Capital, Heirloom VC, Voltron Capital, Kima Ventures and Dropbox co-founder Arash Ferdowsi, and had onboarded roughly 1,000 businesses across the continent by late 2023.
The case Bujeti makes for BRAIN rests on where finance hours go rather than on how many people a team employs. A survey of more than 1,700 CFOs and finance leaders worldwide, conducted by Stripe with Milltown Partners and Focaldata, found that nearly half of finance teams still handle 75% or more of their back-office operations manually, and that 45% spend more than ten hours every month reconciling data and fixing errors across systems.
The four agents carry names rather than feature labels. Fetch reads invoices, receipts and statements as they arrive, codes them and matches them to the right transaction. What it is confident about, it files. The rest goes to a review queue. Chaser follows up on overdue invoices across email, SMS and WhatsApp. Where a customer cannot pay in full, it negotiates a payment plan or part settlement, then hands the conversation to a person once judgment is required.
Watchdog monitors transactions, vendors and contracts in real time, ranking findings by severity so duplicate payments, anomalies and imminent auto-renewals surface first. Concierge answers staff questions about expense policy and vendor contracts from the company's own documents. It shows the source behind each answer and flags when it does not know something instead of guessing.
What separates the four from a stack of separate tools, in Bujeti's framing, is the ledger underneath them. An invoice captured by Fetch is the same record Watchdog monitors for anomalies, and a payment Chaser recovers arrives already reconciled in the books, with nothing re-keyed between systems.
Bujeti built the release around the question finance leaders raise first, which is whether software should be allowed anywhere near money. A person stays in the loop on any action that moves funds. Each agent works within limits the customer sets, and escalates to a human when its confidence falls below a defined threshold. Every action is logged to an audit trail, and customers switch agents on one at a time. The company says businesses retain ownership of their data, that the AI providers behind BRAIN operate under a zero-data-retention policy, and that customer data is never used to train models.
Two extensions are already in progress. Chaser is being developed to run debt and loan collection end to end, from first reminder through recovery, which Bujeti says has produced a 3.2 times higher recovery rate on difficult accounts during early testing. The company is also building the Bujeti MCP, a controlled connection that would let external AI assistants and coding agents query a customer's finance data and act on it under that customer's permissions.
BRAIN is available to Bujeti customers, who can enable a single agent from inside the product and add others as they go. Businesses that do not yet use the platform can request a demo run against their own workflows.
