TECHPROD OFFICIAL REPORT / V2Product overview

Digital labor for clearer cash decisions.

Kaigoo delivers digital labor for cash flow management to companies and the advisors who serve them. It answers a concrete question: how much of the receivables due is likely to arrive, and when? The Cash Flow Copilot turns that context into recurring, human-supervised financial work above the company’s existing management system.

The Receivables Diagnostic reveals collection-timing exposure. The Cash Flow Copilot monitors and performs recurring financial work. The Partner Cockpit brings this operation to each client company in a partner’s portfolio.

01 · CORE PRODUCT

Cash Flow Copilot

Copiloto de Liquidez · The recurring service that monitors expected receipts, explains cash pressure and carries financial tasks through human approval, ERP posting and reconciliation.

BRL 399per company / month
Explore the Copilot
02 · PARTNER PRODUCT

Partner Cockpit

Cockpit · The partner workspace that organizes client access, cash flow signals and recurring financial work for accounting, advisory and BPO firms.

Free partner accessCompanies subscribe separately
Explore the Workspace
03 · CUSTOMER ACQUISITION

Receivables Diagnostic

Raio-X de Recebíveis · The free diagnostic that compares scheduled and probable receipts for the selected company, with separate results for each authorized ERP app.

Free DiagnosticEntry to the Copilot
Explore the Diagnostic

TechProd Official Report V2 · Product, commercial and operational reference. Three products · Four journeys · Definition of Done.

01

A specific job worth paying for.

Kaigoo adds a specialist cash flow management service to the financial workflow a company already uses.

THE COMPETITIVE THESIS

Kaigoo delivers digital labor for cash flow management: a layer above the existing ERP that uses payment behavior to distinguish scheduled receivables from probable cash arrivals and turns that insight into recurring, supervised financial work for companies and their advisors.

One operating cycle connects monitoring, diagnosis, preparation, human approval, ERP posting and reconciliation. The Receivables Diagnostic opens the relationship; the Cash Flow Copilot delivers recurring work; the Partner Cockpit organizes delivery across client companies. Explore the product capabilities.

COMPANY BUYER

Understand a consequential cash gap.

For companies using Omie with recurring receivables, payment history and collection-timing exposure, Kaigoo makes the gap between due dates and likely receipts visible and connects it to a concrete financial action.

The company keeps its ERP and gains an ongoing operation for cash visibility, financial questions, document processing and supervised execution. The fit is strongest when payment timing and repetitive financial work materially affect the business.

PARTNER USER AND CHANNEL

Spend analyst time on the right exception.

For financial advisory firms, accountants and BPOs, Kaigoo provides a repeatable cash flow workflow across client companies: find the exception, understand it, prepare the work and verify its outcome.

The partner distributes and operates Kaigoo through the free Cockpit while each company subscribes to the recurring Copilot. Company context and permissions stay separate as the analyst moves between clients.

What “digital labor” delivers in practice

Each financial job has an input, an output and an observable conclusion. Kaigoo connects monitoring → diagnosis → proposed action → authorized execution → verified result. Human approval governs effective ERP posting; exceptions remain visible for review and resolution.

The competitive thesis: specialist payment-behavior modeling, maintained financial integrations and a complete operating cycle combine with partner distribution. The value is the financial work delivered within company context. Accuracy, productivity and cost comparisons use measured results; AI, WhatsApp and approval gates alone are not exclusive capabilities.

02

Compete against the real alternatives.

These categories overlap. ERPs include financial management; BPOs use automation; partner platforms use AI. The comparison uses official vendor descriptions reviewed on 10 October 2026.

How Kaigoo fits alongside the alternatives
AlternativeWhat is already availableWhy companies and partners choose KaigooHow to assess the value
ERPOmie documents cash planning and, with Omie.Cash, collection, payment and reconciliation automation. Its offering also includes WhatsApp actions and a client panel for accountants. Official sources.A specialist cash flow management service above Omie: payment-behavior estimates, supervised work and reconciliation while the company retains its existing ERP.Incremental decision value, synchronization quality and effort per completed financial task compared with the configured ERP workflow.
Financial management softwareConta Azul documents automatic matching and condition-based reconciliation. Nibo documents future receipts/payments and cash projection adjustments. Official sources.Behavior-based expected receipts, explicit data coverage and calculation dates, connected to recurring monitoring and approved financial work.Receipt-amount error and bias at 7, 30 and 90 days, eligible-data coverage and whether the information changes a real decision.
Financial BPO and partner platformsBPO services can perform reconciliation, collections and cash monitoring with customer approval. Nibo BPO supplies multi-client software, document intake and AI-assisted financial entries. These are distinct service and software examples. Official sources.An operating layer for partners that combines portfolio context, cash flow priorities, document intake and supervised execution while preserving the client relationship.Analyst time per resolved exception, correction rate, service margin and quality of the client operation.
AI agents and automation platformsn8n documents agents calling tools, pausing for human review and executing or cancelling a tool call after the decision. This is infrastructure, not a ready-made Brazilian financial service. Official documentation.An integrated financial service with company context, maintained Omie integration, defined outputs and a recurring routine the company and its partner can operate.Permission controls, completed financial tasks, error recovery, maintenance effort and total operating cost against an equivalent configured agent.

Kaigoo’s differentiation is the combination of cash flow expertise and delivered financial work. Comparative claims about superiority, exclusivity, savings or forecast accuracy use measured results from equivalent workflows.

03

The complete product in operation.

Three offers connect acquisition, recurring delivery and partner operations in one financial workflow.

RECEIVABLES INTELLIGENCE

Raio-X makes collection-timing exposure visible.

The Receivables Diagnostic compares scheduled receipts, probable receipts and their difference over 7, 30 and 90 days for the selected company, separately for each authorized Omie app.

Company access is checked before the analysis is displayed. The report retains the model date, distinguishes missing values from zero and handles absent, stale or insufficient analysis explicitly.

Coverage: eligible modeled receivables due within each horizon. Overdue titles are outside this comparison. The Diagnostic is a receivables view; full cash flow monitoring in the Copilot also uses bank balances and accounts payable.

THREE CONNECTED OFFERS

A complete buying journey.

The free Receivables Diagnostic starts the commercial conversation. The Cash Flow Copilot provides the recurring service at BRL 399 per company per month. The Partner Cockpit is free for partners, with separate Copilot subscriptions for client companies.

The journey connects the diagnostic, offer, contract, automated billing, subscription confirmation and Copilot access. Each offer has a distinct role in acquisition and service delivery.

RECURRING DIGITAL LABOR

From financial context to a reconciled outcome.

Teteu receives messages, documents, photos and audio through WhatsApp, answers financial questions in Portuguese and prepares financial drafts. Authorized people review, correct, approve or reject the work before effective posting to Omie.

The operation connects submission, draft, approval, ERP outcome and reconciliation. Daily monitoring and contextual alerts return the resulting financial context to the company and its authorized partner. Follow the complete workflow.

COMMERCIAL OPERATION

Subscriptions and partner delivery work together.

The company buys recurring cash flow management; the partner operates across its authorized client portfolio. Free Diagnostic access, partner access and paid Copilot subscriptions have distinct commercial roles.

Commercial reporting separates free users, paying companies, collected revenue and renewals. Development participation remains a learning relationship and is never counted as collected subscription revenue.

Product reference: offer definitions, 17 touchpoints and four complete journeys. The same descriptions support commercial artifacts and the Definition of Done.

04

A clear description of the complete product.

Use these descriptions in commercial materials, investor presentations and applications, preserving the product scope and commercial facts.

APPLICATIONS AND INVESTOR PRESENTATIONS

A defensible product description

Kaigoo delivers digital labor for cash flow management to companies and the financial partners who serve them. It combines payment-behavior forecasts with a complete financial operating cycle: monitoring, diagnosis, document capture, human approval, Omie posting and reconciliation. The free Receivables Diagnostic starts adoption; the Cash Flow Copilot is the recurring service; the free Partner Cockpit organizes delivery across client companies.
COMMERCIAL CONVERSATION · COMPANY

Start with the question the buyer recognizes.

How much of the money due is likely to arrive when you need it? Kaigoo compares scheduled and probable receipts, monitors your cash flow and helps carry out day-to-day financial work. Through Teteu on WhatsApp, you ask questions, send documents and review financial drafts. You retain approval, and Kaigoo connects the approved work to Omie and reconciliation.
COMMERCIAL CONVERSATION · PARTNER

Describe the work the partner gains.

Kaigoo brings your client portfolio into a shared cash flow workspace. Your team identifies the company that needs attention, opens its diagnostic and manages recurring financial work in the correct client context. The Cockpit is free for partners; each client company subscribes to the Copilot. Human review and company permissions govern the operation.
What can be said now, and what earns a stronger claim
TopicProduct descriptionCommunication boundary
DifferentiationSpecialist cash flow management above Omie, combining scheduled versus probable receipts with supervised execution.Use like-for-like measurements for claims of better, faster, cheaper or unique.
Digital laborRecurring financial jobs with document intake, review, authorized posting and reconciliation.Describe the job and its outcome; human approval remains part of the service.
DiagnosticFree Raio-X with 7/30/90-day comparisons, calculation dates and separate results per authorized app.Eligible modeled receivables are the scope. Do not describe the Diagnostic as the entire cash position.
Integration and WhatsAppOmie integration and WhatsApp messages, documents, photos, audio and financial questions.Name the supported integration. A financial question does not authorize posting or funds movement.
Traction and pricingBRL 399 per company/month for the Copilot; free Diagnostic and Partner Cockpit.Report collected revenue and renewals from billing records. Free users and development partners remain separate.
Partner efficiencyPortfolio context, cash flow signals and repeatable financial workflows for partner teams.Publish capacity or savings claims with a baseline, period, denominator and measured result.
05

Definition of Done.

The complete product connects the same four outcomes described throughout this report: authorized delivery, financial consistency, subscription activation and partner operation.

1 · TECHNICAL DELIVERY

Complete authorized workflows

The Diagnostic journey connects company access, ERP data, calculation timestamp and report output. Missing data, zero values, stale analysis and multiple authorized apps retain their correct meaning and company context.

The write journey connects intake, draft, correction or rejection, authorized approval, ERP record and reconciliation. Failed writes and retries preserve a traceable outcome; duplicate submissions do not produce duplicate financial actions.

2 · FORECAST VALUE

Consistent financial information

The forecasting layer uses the same receivable records and defined 7-, 30- and 90-day horizons. Calculation dates, eligible-data coverage and sample confidence remain visible in the financial interpretation.

Quality review uses receipt-amount error and bias, with due dates and historical delay as comparison baselines. Financial explanations retain the source amounts and distinguish a modeled estimate from a guaranteed receipt.

3 · WILLINGNESS TO PAY

Complete commercial activation

The free Diagnostic connects to the Copilot offer, contract, automated billing, confirmation and company access. The recurring scope, price and company subscription are consistent throughout the journey.

Commercial records distinguish contacted, eligible, diagnostic completed, offer, paid and renewed. Collected amounts, discounts and cancellations are recorded separately from free access and development participation.

4 · PARTNER ADVANTAGE

Complete partner operation

The partner moves from portfolio to the authorized company, reviews cash flow signals and the Diagnostic, operates the company’s financial workflow and returns to the portfolio. Viewing, editing and financial approval retain their separate permissions.

The operation exposes completed tasks, corrections and unresolved exceptions. Analyst effort, onboarding and support costs can be assessed against the same client workflow, without mixing data or authority across companies.

Business, product and engineering use the same product definitions, touchpoint IDs and journeys in this report. Commercial artifacts describe these delivered workflows; completion is assessed against their inputs, permissions and observable outcomes.

Search and review the report

Try R02, C01 or coverage. Search includes the entire document, including collapsed details.

    01

    One core product. Two paths to reach companies.

    One recurring service, a free acquisition diagnostic and a partner operating channel. Each offer has a distinct role in adoption and financial delivery.

    01 · CORE PRODUCT

    Cash Flow Copilot

    Anticipate cash shortfalls and support day-to-day financial decisions.

    Who it serves
    Business owners and finance managers who need to know when cash will be available.
    Commercial model
    BRL 399 per company per month.
    Primary interface
    WhatsApp through Teteu, connected to Omie and the company’s authorized financial context.

    Commercial model reference: WOW Pitch 2026.2 (EN), p. 8.

    Recurring digital labor for cash flow management, from monitoring and conversation to approved ERP posting and reconciliation.

    Product definition

    The recurring service combines collection monitoring, financial explanations and supervised operational tasks. Documents, photos and audio become drafts for human review; approved work proceeds to Omie, with outcomes and discrepancies carried into reconciliation.

    Capabilities

    • Capture: processes documents, photos and audio, then prepares drafts for review.
    • Reconciliation: matches bank data, accounting entries and supporting documents; discrepancies and exceptions require resolution and human approval.
    • Forecasting and monitoring: predicts collection dates and monitors cash shortfall risk over 7-, 30- and 90-day horizons.
    • Decision support: explains the issue, its cause and the proposed action; identifies the funding need, the receivables amount to bring forward and a reference rate for negotiation.
    • Conversation: answers managers' financial questions in natural language on WhatsApp.

    Kaigoo does not transfer funds, provide credit or act as a credit intermediary. Rates are indicative; companies negotiate with their chosen financing provider.

    GTM · pp. 3–4, 6–7 · Pitch EN · pp. 4–6, 8 · Forecasting Engine · p. 1

    02 · PARTNER CHANNEL

    Partner Cockpit

    Bring each client company’s cash flow context into one partner workspace.

    Who it serves
    Financial advisory firms, accounting practices and outsourced CFO (chief financial officer) providers.
    Commercial model
    Free access for partners. Each client company subscribes separately to the recurring Copilot.
    Primary interface
    A multi-company portfolio view, with access to each client’s context and data isolated by Brazilian corporate tax ID (CNPJ).

    Commercial model reference: WOW Pitch 2026.2 (EN), p. 8.

    A complete partner workspace for client access, portfolio cash flow and recurring financial work.

    Product definition

    A workspace for managing a partner’s client portfolio. It brings client companies together and provides access to each company’s diagnostic and financial workflows, distributing the Copilot through accounting and advisory firms.

    Capabilities

    • Client portfolio: a view of the companies served by the partner.
    • Company context: navigation from the portfolio to the selected client's diagnostic and financial workflows.
    • Shared diagnostic: the Receivables Diagnostic supports consultative sales and ongoing client monitoring.
    • Operational scale: automation of repetitive tasks to increase analyst capacity.

    The portfolio combines prioritization, filters and permissions with each company’s financial workflows. Analyst capacity and savings are measured within the partner’s operation.

    GTM · pp. 4, 8 · Pitch EN · pp. 8–9

    03 · FREE ENTRY OFFERING

    Receivables Diagnostic

    See the difference between scheduled receivables and likely collections.

    Who it serves
    Companies with connected Omie apps and eligible receivables that want to examine scheduled versus probable receipts.
    Commercial model
    Free diagnostic. The entry offer for the recurring Copilot.
    Primary interface
    A diagnostic in the Console, opened from the selected company’s context in the Hub.

    Commercial model reference: WOW Pitch 2026.2 (EN), p. 8.

    A complete receivables diagnostic, with authorized company access, model dates and separate results for each connected Omie app.

    Product definition

    The Diagnostic reads model outputs for authorized ERP app connections and compares scheduled receivables with probable receipts. It makes collection-timing exposure visible and connects that insight to the recurring support provided by the Copilot.

    Capabilities

    • Comparison: the scheduled receivables amount versus the amount likely to be collected within the period.
    • Diagnostic: the gap between those expectations and its implications for interpreting receivables.
    • Initial value: concrete evidence of the issue the Copilot monitors on an ongoing basis.
    • Subscription path: a route from the Diagnostic to the Copilot offer, contract, automated billing, confirmation and access.

    The Diagnostic compares eligible receivables per Omie app connection without aggregating portfolios. It preserves missing values and zero and displays the model date. Without bank balances and accounts payable, this is not the company’s complete net cash position.

    GTM · pp. 5–6, 8 · Pitch EN · p. 8

    How the products work together

    For owners and finance managers

    Free Receivables Diagnostic to uncover the issue; Cash Flow Copilot for ongoing cash flow monitoring.

    For accountants and advisors

    Partner Cockpit to serve the client portfolio; Receivables Diagnostic as the entry diagnostic; each company has its own subscription to the Copilot.

    The two commercial entry paths are described in GTM · pp. 6, 8; per-company subscriptions are described in Pitch EN · p. 8

    .
    SHARED INTELLIGENCE LAYER

    Forecasting Engine

    The shared statistical forecasting layer supports all three offerings. Its purpose is to estimate when receivables will be collected, then turn that estimate into cash flow context for owners and advisors.

    How the model estimates receipts

    The model blends each payer’s observed payment history with patterns from its industry. When individual history is limited, sector data provides a fallback; the payer’s own history gains weight as more observations become available.

    Forecasting methodology · pp. 1–3

    From data to decisions

    1. Connect the financial context. ERP records supply receivables and payment history. Full cash flow monitoring also requires bank balances and accounts payable.
    2. Estimate collection timing. The model uses payment-day probability distributions, payer risk and sample-confidence levels. It applies empirical shrinkage with payer weight n / (n + 12), where n is the number of historical observations.
    3. Project cash exposure. Expected collections feed monitoring over 7-, 30- and 90-day horizons. The Diagnostic compares eligible receivables; full Copilot cash flow monitoring combines expected receipts, bank balances and accounts payable.
    4. Support a human decision. The Copilot explains the amount, cause and next step through forecasts, alerts and questions. Document capture and reconciliation include human review and approval.

    Engine · pp. 1–3 · Product experience · pp. 4–6 · Diagnostic capabilities

    Accelerate the workloads that shape the experience

    The forecasting layer uses Google BigQuery. NVIDIA acceleration supports document understanding, conversational inference and data preparation, with the financial engine and human approval at the center of the product.

    Explore NVIDIA GPU acceleration

    The model is specialized in payment timing and cash flow. Comparative accuracy and productivity claims use measured results with explicit coverage and baselines. Definition of Done.

    NVIDIA ACCELERATION

    How NVIDIA GPUs support Kaigoo

    NVIDIA GPUs support financial-document processing, Teteu’s conversational inference and forecasting-data preparation. The three workloads preserve the same financial calculations, authorized company context and human approval boundaries.

    01 · DOCUMENT UNDERSTANDING

    Document capture

    Product role: turn documents and images into structured financial drafts, including batches of submissions.

    Acceleration approach: NeMo Retriever with Nemotron Parse for GPU-backed document transcription, layout and table extraction. This combines a document model suited to complex layouts with parallel inference for batches of submissions.

    Integration: parsing operates before draft review. Extracted text maps into the draft schema, amounts and dates are validated, and human approval precedes effective ERP posting. The workflow handles Brazilian Portuguese business documents.

    How we measure success: compare field accuracy, table fidelity, correction rate, 95th-percentile processing time and total cost per document against the baseline. Test Brazilian document formats, poor scans and complex layouts on compatible hardware.

    NVIDIA document extraction documentation · Capture and review workflow

    02 · CONVERSATIONAL INFERENCE

    Grounded WhatsApp answers

    Product role: serve financial explanations and concurrent manager conversations.

    Acceleration approach: a supported language model served through NVIDIA NIM, using a TensorRT-LLM profile where supported. GPU inference and batching serve concurrent conversations.

    Integration: the model serves Teteu’s conversational interface. Controlled tools retrieve the authorized company’s financial context, while cash calculations remain in the financial engine. Quality checks cover Portuguese answers, numerical consistency and missing-data handling.

    How we measure success: use a fixed question set and representative concurrency. Measure correct answers, unsupported statements, complete-response latency and cost per accepted answer. Use NVIDIA AIPerf for model-serving benchmarks and separate application tests for quality and end-to-end latency.

    NVIDIA inference benchmarking · NIM serving configuration · Financial questions workflow

    03 · DATA PREPARATION

    Forecasting-data preparation

    Product role: prepare payment histories and client data for diagnostic and forecast refreshes.

    Acceleration approach: NVIDIA RAPIDS cuDF for large joins, grouped aggregations and payer-history transformations in a separate GPU batch job.

    Integration: cuDF runs in a GPU batch job outside BigQuery for data transformations, preserving the payer/sector model and calculation rules. Evaluation includes export, transfer and result-loading time and cost.

    How we measure success: compare total refresh time, cost per batch and output parity. Keep forecast quality consistent through time-based backtests, and focus GPU processing on batches large enough to benefit after transfer costs.

    RAPIDS workload fit and limitations · Forecasting methodology

    Operating and measurement discipline

    1. Maintain the baseline. Representative evaluation sets record application quality, latency and costs for each workload.
    2. Operate compatible GPU services. Google Cloud GPU services match the model’s memory and supported deployment profile. Capacity management accounts for regional availability, quotas, licensing and idle resources.
    3. Measure the complete workload. Comparisons use the same workload and conditions, including startup, network, storage and idle costs. Service fallback preserves the operation when an acceleration service fails.

    The acceleration layer operates within Kaigoo’s architecture: company data isolation, grounded financial answers and human approval. The statistical engine calculates cash projections; accelerated models process documents and questions.

    NVIDIA model and GPU compatibility · Google Cloud GPU deployment requirements

    Technology references: official NVIDIA, RAPIDS and Google Cloud documentation. Quality, latency and cost measurements accompany each workload; no numerical performance claim is implied by the architecture.

    Commercial definitions and complete delivery

    The Copilot is the core product. The Diagnostic in the Console, reuse in the Partner Cockpit, forecasts and alerts, financial questions on WhatsApp, and capture with approval form one complete product. Each company enters through the Diagnostic or a partner and continues through the recurring financial service.

    Review product operation · Review user journeys

    Kaigoo does not move money or offer credit; the rate is a negotiation reference. It works above the business management system, without requiring migration.

    02

    The complete Copilot experience in operation.

    The shared company and ERP foundation connects the Diagnostic, Partner Cockpit, recurring forecasts and alerts, financial questions on WhatsApp, and document capture with human approval.

    Explore the complete operational scope

    R02 · Diagnostic in the Console

    Complete product operationProduct: Receivables Diagnostic

    Delivered scope

    The Console displays the selected company’s Diagnostic, separately for each authorized Omie app, with 7/30/90-day comparisons, calculation dates and explicit absent-data handling.

    Completed outcome

    The user reaches a useful receivables comparison from the Hub. Eligible records, missing values and zero retain their meaning, and results remain within the authorized company context.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.

    E01–E05 · Shared foundation

    Shared operational foundationFoundation shared by all products

    Delivered scope

    Sign-in, the Hub, company and ERP connection modals, ingestion progress and the reconciliation queue provide the common foundation for the three products.

    Completed outcome

    The account reaches its permitted company context, connects Omie, follows preparation progress and enters the relevant diagnostic or operational workflow.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.

    P01–P03 · Partner Cockpit

    Partner portfolio operationProduct: Partner Cockpit

    Delivered scope

    The Cockpit groups client companies and Omie apps, manages invitations and permissions, and connects portfolio cash flow signals to each company’s Diagnostic and recurring work.

    Completed outcome

    The partner identifies a company that needs attention, opens its authorized context and returns to the portfolio. Financial approval is governed separately from access and invitations.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.

    C01–C03 · Monitoring, alerts and conversation

    Monitoring and conversationProduct: Cash Flow Copilot

    Delivered scope

    Daily monitoring covers 7-, 30- and 90-day horizons. WhatsApp alerts explain projected pressure, while financial questions return company-specific explanations and suggested actions.

    Completed outcome

    The manager sees the date, amount and cause of the issue, understands the financial context and retains the decision. Questions and guidance do not authorize an ERP write.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.

    C04–C06 · Capture, approval and outcome

    Supervised financial executionProduct: Cash Flow Copilot

    Delivered scope

    Messages, documents, photos and audio produce drafts for review. Authorized people correct, approve or reject the work; effective posting to Omie follows approval.

    Completed outcome

    The operation exposes the ERP result and continues through reconciliation. Draft persistence, effective posting and funds movement remain distinct; errors and exceptions stay available for human resolution.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.

    R01 / R03 · Entry and subscription path

    Diagnostic to subscriptionEntry through the Diagnostic; subscription to the Copilot

    Delivered scope

    The Diagnostic entry opens the sales conversation and the company’s Console journey. The recurring path connects the Copilot offer, contract, automated billing and subscription confirmation.

    Completed outcome

    The subscribing company receives Copilot access and a clear recurring scope. Free Diagnostic access and partner access remain distinct from the company’s paid subscription.

    Product reference
    Connected product definitions and journeys
    Operation
    Complete journey in production.
    03

    Four journeys connect data, insight and action.

    Companies connect their data, review a diagnostic, work with an advisor and use the Copilot. These four journeys describe the complete operation, from entry to the financial or commercial outcome.

    Connected journey mapOne company context connects four journeys

    Start with the shared foundation, then follow the route that matches the user’s goal. Select a node to open its full workflow.

    Read connections and conditions
    1. Account and company → Connect and prepare data
    2. Connect and prepare data → J1 · Review the Diagnostic
    3. Account and company → J2 · Serve a client portfolio: Partner route
    4. J2 · Serve a client portfolio → J1 · Review the Diagnostic: Reuse in client context
    5. J1 · Review the Diagnostic → J3 · Understand cash flow and act: Subscription path
    6. Connect and prepare data → J4 · Capture, review and reconcile: Company / ERP context
    7. J4 · Capture, review and reconcile → J3 · Understand cash flow and act: Reconciled data supports forecasts

    The map connects the four journeys through the same account, company and ERP context. Each route leads to its detailed workflow, including human review and exception handling.

    Connected product operation
    1. Diagnostic in the Console
    2. Reuse in the Partner Cockpit
    3. Forecasts and alerts
    4. Financial questions on WhatsApp
    5. Document capture, approval and ERP posting
    J1Complete Diagnostic journey
    Receivables Diagnostic · acquisition

    Review the diagnostic

    Sign-in → Hub → ERP connection → ingestion progress → Diagnostic.

    J1 · OverviewJourney at a glance
    Read connections and conditions
    1. Sign in → Connect and prepare data
    2. Connect and prepare data → Review the Diagnostic

    Open the full workflow below for branches, conditions and outcomes.

    Outcome: The selected company reaches its receivables comparison and can continue to the recurring Copilot subscription.

    J2Complete partner journey
    Partner Cockpit · distribution

    Manage client companies as a partner

    Portfolio → company → diagnostic or financial workflow → portfolio.

    J2 · OverviewJourney at a glance
    Read connections and conditions
    1. Open the client portfolio → Select a company
    2. Select a company → Read the company Diagnostic

    Open the full workflow below for branches, conditions and outcomes.

    Outcome: Cash flow signals and permissions stay connected to the selected company as the partner works across clients.

    J3Complete decision-support journey
    Cash Flow Copilot · ongoing decisions

    Understand cash flow and act

    Daily monitoring over 7/30/90 days → contextual WhatsApp alert → recommendation and questions.

    J3 · OverviewJourney at a glance
    Read connections and conditions
    1. Company financial context → Forecasts and alerts
    2. Company financial context → Ask a question
    3. Forecasts and alerts → Manager chooses the action
    4. Ask a question → Manager chooses the action

    Open the full workflow below for branches, conditions and outcomes.

    Outcome: The manager understands the issue, cause and next action within the company’s financial context.

    J4Complete financial workflow
    Cash Flow Copilot · financial workflows

    Submit content, review and post

    Content → draft pending approval → approved ERP posting → outcome and reconciliation.

    J4 · OverviewJourney at a glance
    Read connections and conditions
    1. Submit content → Review and approve
    2. Review and approve → Check the outcome

    Open the full workflow below for branches, conditions and outcomes.

    Outcome: Human review connects draft correction or rejection to authorized execution and a traceable outcome.

    +

    Supporting detail for the report

    The complete inventory, detailed workflows and sources are available below. Expand a section or follow a reference link directly to the cited item.

    Complete screen and touchpoint inventory17 items · What users see, do and achieve
    +

    The touchpoints show where the product operates.

    Experience inventory by product. Each item describes a page, modal dialog, message or interface responsibility, with what the user sees, does and achieves.

    Access and infrastructure shared by all three products

    Shared access and operational foundation

    Sign in, connect an ERP, track ingestion and select a company.

    Complete product operation

    The shared foundation carries account access, company selection, Omie connection and preparation status into the Diagnostic and recurring financial operation.

    E01
    Sign-in
    Complete product operation

    Sees

    Sign-in, email verification and registration completion, when required.

    Does

    Enters an email address, follows the sign-in link and completes registration.

    Outcome

    Access to the Hub and company context permitted for the account.

    Product reference: COD · Shared Console foundation.

    E01 · Interaction flowSign-in

    Email sign-in establishes the account context available in the Hub.

    1. Enter an email addressStart the email sign-in flow.
    2. ◇ Choice / reviewComplete registration if requiredRegistration is conditional, not a separate product.
    3. OutcomeAccess the HubEnter the company context permitted for the account.Open related detail ↗
    Read connections and conditions
    1. Enter an email address → Follow the sign-in link
    2. Follow the sign-in link → Complete registration if required: When required
    3. Complete registration if required → Access the Hub
    4. Follow the sign-in link → Access the Hub: If registration is not required

    Account access opens only the company context permitted for the signed-in user.

    E02
    Hub
    Complete product operation

    Sees

    Companies, registration options and ERP connections.

    Does

    Selects an existing company or starts a new connection.

    Outcome

    The company's context or the start of onboarding.

    Product reference: COD · Shared Console foundation.

    E02 · Interaction flowHub

    The Hub lets an account select an existing company or begin a new connection.

    1. View companies and connectionsCompanies, registration options and ERP connections.
    2. ◇ Choice / reviewSelect a company or start a connectionChoose the appropriate company entry.
    3. OutcomeEnter company contextUse an existing company.
    4. OutcomeBegin onboardingStart a new ERP connection.Open related detail ↗
    Read connections and conditions
    1. View companies and connections → Select a company or start a connection
    2. Select a company or start a connection → Enter company context: Existing company
    3. Select a company or start a connection → Begin onboarding: New connection

    Company selection preserves the account’s access boundaries throughout the connected journey.

    Connected journeys:J1 · Complete workflow
    E03
    ERP connection in the Hub
    Complete product operation

    Sees

    Modal dialogs for companies and advisory firms, ERP connection validation and company identification.

    Does

    Enters connection details and a name, then selects "Get started".

    Outcome

    Data preparation begins. These are Hub modal dialogs, rather than additional pages.

    Product reference: COD · Shared Console foundation.

    E03 · Interaction flowERP connection in the Hub

    A Hub modal collects connection details and begins data preparation.

    1. Open the connection modalCompany and advisory-firm connection dialogs.
    2. Enter connection details and a nameCompany identification and connection validation.
    3. Select “Get started”Start the connection and preparation journey.
    4. OutcomeData preparation beginsProgress remains within the Hub.Open related detail ↗
    Read connections and conditions
    1. Open the connection modal → Enter connection details and a name
    2. Enter connection details and a name → Select “Get started”
    3. Select “Get started” → Data preparation begins

    Company and advisory-firm connection dialogs operate within the Hub, with connection validation before preparation.

    Connected journeys:J1 · Complete workflow
    E04
    Ingestion progress
    Complete product operation

    Sees

    Data preparation status within the Hub.

    Does

    Tracks preparation progress and selects “View Diagnostic”.

    Outcome

    Data preparation visibility and access to the selected company’s Diagnostic.

    Product reference: COD · Shared Console foundation.

    E04 · Interaction flowIngestion progress

    The Hub exposes data-preparation progress and the Diagnostic entry point.

    1. View preparation statusRead the company’s progress within the Hub.
    2. Track ingestionFollow the displayed preparation status.
    3. Select “View Diagnostic”Continue from the Hub to the company Diagnostic.
    4. OutcomeOpen the DiagnosticAccess the selected company’s Diagnostic analysis.Open related detail ↗
    Read connections and conditions
    1. View preparation status → Track ingestion
    2. Track ingestion → Select “View Diagnostic”
    3. Select “View Diagnostic” → Open the Diagnostic

    The preparation journey connects the selected company’s authorized ERP data to its Diagnostic analysis.

    Connected journeys:J1 · Complete workflow
    E05
    Reconciliation queue
    Complete product operation

    Sees

    The day's queue items awaiting analysis.

    Does

    Reviews items and performs the corresponding human action in the ERPs.

    Outcome

    The reviewed item progresses through the financial workflow, with human resolution of reconciliation exceptions.

    Product reference: COD · Shared Console foundation.

    E05 · Interaction flowReconciliation queue

    People review the day’s queue and perform the corresponding human action in the ERP.

    1. View items awaiting analysisThe day’s reconciliation queue.
    2. Review the relevant itemInvestigate the item’s context.
    3. Perform the human ERP actionThe human reviewer resolves the financial item.
    4. OutcomeContinue the financial workflowThe reviewed item continues through the operation.
    Read connections and conditions
    1. View items awaiting analysis → Review the relevant item
    2. Review the relevant item → Perform the human ERP action
    3. Perform the human ERP action → Continue the financial workflow

    Human review resolves the queue’s financial discrepancies and exceptions.

    Connected journeys:J4 · Complete workflow

    Documented routes: /entrar, /verificar-email, /completar-cadastro, /hub and /conciliacao. The /dev/progresso route is a development simulation and is excluded from the actual user journey.

    Acquisition product · Receivables Diagnostic

    Receivables Diagnostic

    Users review their company's diagnostic before deciding whether to subscribe to ongoing monitoring.

    Acquisition
    R01
    Sales entry point
    Complete product operation

    Sees

    A sales call to action for the Diagnostic.

    Does

    Selects the button on the marketing page.

    Outcome

    Opens the sales WhatsApp conversation and connects the company to the Console Diagnostic journey.

    Product reference: COD · Shared Console foundation.

    R01 · Interaction flowSales entry point

    The marketing call to action opens a sales WhatsApp conversation and the company’s Diagnostic journey.

    1. See the Diagnostic call to actionMarketing entry to the free diagnostic.
    2. Select the marketing buttonStart the free Diagnostic conversation.
    3. OutcomeOpen the sales conversationTalk about the company’s receivables context.
    4. E01Connect to the Console journeyContinue through sign-in and company context.Open related detail ↗
    Read connections and conditions
    1. See the Diagnostic call to action → Select the marketing button
    2. Select the marketing button → Open the sales conversation
    3. Open the sales conversation → Connect to the Console journey: Continue to the company Console

    The sales conversation connects to the Console journey for company access, ERP connection and the free Diagnostic.

    Connected journeys:J1 · Complete workflow
    R02
    Diagnostic in the Console
    Complete product operation

    Sees

    Per ERP app: scheduled inflows, predicted collections and their difference over 7, 30 and 90 days, with the model date.

    Does

    Selects "View Diagnostic" in the Hub and reviews the selected company.

    Outcome

    A comparison of eligible receivables for each authorized app, with calculation dates and explicit missing-data handling. Full cash flow monitoring also includes bank balances and payables in the Copilot.

    Product reference: PR61 · Receivables Diagnostic.

    R02 · Interaction flowDiagnostic in the Console

    The Diagnostic compares scheduled and likely collections for the selected company, separately for each authorized ERP app.

    1. E04Select “View Diagnostic”Start from the selected company in the Hub.Open related detail ↗
    2. Review the selected companyResults remain separate for each authorized app.
    3. Compare receivablesScheduled inflows, predicted collections and their difference.
    4. Read periods and model dateCompare 7-, 30- and 90-day horizons.
    5. OutcomeInterpret eligible receivable recordsThis is a receivables analysis, not the full cash position.
    Read connections and conditions
    1. Select “View Diagnostic” → Review the selected company
    2. Review the selected company → Compare receivables
    3. Compare receivables → Read periods and model date
    4. Read periods and model date → Interpret eligible receivable records

    Eligible modeled receivables due within each horizon form the comparison. Bank balances, payables and overdue titles are outside this Diagnostic view.

    R03
    Subscription path
    Complete product operation

    Sees

    The next step after the free diagnostic.

    Does

    Reviews the offer and decides whether to subscribe to the Copilot.

    Outcome

    Completes the offer, contract and automated billing, receives confirmation and gains access to the recurring Copilot.

    PITCH · p. 7–8

    R03 · Interaction flowSubscription path

    The free Diagnostic connects to the recurring Copilot subscription.

    1. R02Review the free DiagnosticThe commercial path follows the diagnostic.Open related detail ↗
    2. Shared contextReview the Copilot offerRecurring scope and price for the company.Open related detail ↗
    3. ◇ Choice / reviewDecide whether to subscribeThe company chooses the recurring service.
    4. Complete contract and automated billingActivate the company’s subscription.
    5. OutcomeReceive subscription confirmationConfirm the subscription and Copilot access.
    Read connections and conditions
    1. Review the free Diagnostic → Review the Copilot offer
    2. Review the Copilot offer → Decide whether to subscribe
    3. Decide whether to subscribe → Complete contract and automated billing: If subscribing
    4. Complete contract and automated billing → Receive subscription confirmation

    The transition includes the offer, contract, automated billing, confirmation and company access to the Copilot.

    Diagnostic operation

    • The API and responsive interface validate company access before the query
    • Read access to estimador.p1_gatilho_diario, without rerunning the model or aggregating ERP apps
    • The Diagnostic connects authorized ERP records, model outputs and the user-facing comparison in the selected company context.

    Completed journey

    • Authorized company data supplies the receivables comparison
    • The Console provides the Diagnostic in the company journey
    • The user sees explicit handling of missing, stale or insufficient model data and can continue to the Copilot offer
    Partner product · Partner Cockpit

    Workspace for partners

    Move between the portfolio and individual companies, reusing the diagnostic and financial workflows.

    Multi-company
    P01
    Client portfolio
    Complete product operation

    Sees

    The partner advisory firm's Hub and associated client companies.

    Does

    Selects the company to monitor.

    Outcome

    Enters the client's context within the user's access permissions.

    Product reference: COD · Shared Console foundation.

    P01 · Interaction flowClient portfolio

    A partner selects an associated client company and enters its permitted context.

    1. View associated companiesThe partner’s Hub and client portfolio.
    2. Select a client companyChoose the company to monitor.
    3. OutcomeEnter the client contextStay within the user’s access permissions.
    Read connections and conditions
    1. View associated companies → Select a client company
    2. Select a client company → Enter the client context

    The selected client context preserves company access and financial authority throughout the partner’s operation.

    Connected journeys:J2 · Complete workflow
    P02
    Access and invitations
    Complete product operation

    Sees

    Access management and invitation controls.

    Does

    Reviews or manages existing relationships.

    Outcome

    Access administration. An invitation does not, by itself, grant financial approval authority.

    Product reference: COD · Shared Console foundation.

    P02 · Interaction flowAccess and invitations

    The partner administers relationships through access and invitation controls.

    1. View access and invitation controlsExisting access-management controls.
    2. Review or manage relationshipsUse the existing relationship context.
    3. OutcomeAdminister accessMaintain the partner’s company relationships.
    4. Respect financial approval authorityFinancial approval is separate from an invitation.
    Read connections and conditions
    1. View access and invitation controls → Review or manage relationships
    2. Review or manage relationships → Administer access
    3. Administer access → Respect financial approval authority: Separate permission rules

    Viewing, editing and financial approval have separate permissions. An invitation alone does not grant financial approval authority.

    Connected journeys:J2 · Complete workflow
    P03
    Portfolio cash flow
    Complete product operation

    Sees

    A multi-company view of diagnostics and attention signals.

    Does

    Selects a company and opens its diagnostic or financial workflows.

    Outcome

    The partner reaches the selected company’s Diagnostic or Copilot workflow and returns to the portfolio, with company permissions and data isolation preserved.

    Portfolio cash flow signals and prioritization connect the partner to each permitted company’s Diagnostic and financial workflows.

    GTM · p. 4 · PITCH · p. 8

    P03 · Interaction flowPortfolio cash flow

    The portfolio view routes a selected company to its Diagnostic or Copilot workflows.

    Read connections and conditions
    1. Read portfolio diagnostics and signals → Select a company
    2. Select a company → Open the company Diagnostic: Diagnostic
    3. Select a company → Open company financial workflows: Financial workflow
    4. Open the company Diagnostic → Return to the portfolio
    5. Open company financial workflows → Return to the portfolio

    Portfolio signals and prioritization retain each company’s context. Client data remains isolated throughout navigation.

    Connected journeys:J2 · Complete workflow

    The Cockpit provides free partner access and a separate Copilot subscription for each company. PITCH · p. 8

    Core product · Cash Flow Copilot

    Cash Flow Copilot

    Understand cash flow, ask financial questions and manage financial workflows with human oversight.

    Recurring value

    Daily monitoring covers 7/30/90 days. Teteu on WhatsApp connects forecasts, contextual alerts, financial questions and document submission to the company’s operational context.

    C01
    Cash flow monitoring
    Complete product operation

    Sees

    Daily projections over 7-, 30- and 90-day horizons, highlighting cash pressure.

    Does

    Reviews the forecast, the receivables amount to bring forward and the risk-based reference rate.

    Outcome

    Context for a financial decision. The product does not provide credit, transfer funds or guarantee outcomes.

    PITCH · p. 4–6 · EST · p. 1

    C01 · Interaction flowCash flow monitoring

    The daily forecast provides context for a financial decision over 7, 30 and 90 days.

    1. Read daily projectionsHorizon coverage: 7, 30 and 90 days.
    2. Review projected cash pressureInterpret the forecast in the company’s context.
    3. Review the amount and reference rateAmount to bring forward and risk-based rate guidance.
    4. OutcomeMake an informed financial decisionThe manager retains the decision.
    Read connections and conditions
    1. Read daily projections → Review projected cash pressure
    2. Review projected cash pressure → Review the amount and reference rate
    3. Review the amount and reference rate → Make an informed financial decision

    The product provides financial guidance. It does not provide credit, transfer funds or guarantee collection outcomes.

    Connected journeys:J3 · Complete workflow
    C02
    Alerts and attention signals
    Complete product operation

    Sees

    A projected cash shortfall with its date, amount and context or cause, delivered through WhatsApp.

    Does

    Reads the context and decides which issue to investigate.

    Outcome

    A suggested next action and, where applicable, the receivables amount to bring forward. Alerts connect the projected deficit or funding need to its financial context.

    PITCH · p. 5–6 · EST · p. 1

    C02 · Interaction flowAlerts and attention signals

    A contextual WhatsApp alert explains the projected shortfall and a possible next action.

    1. Read the projected shortfallDate, amount and the company’s context.
    2. Understand the causeThe alert explains why the shortfall is expected.
    3. ◇ Choice / reviewChoose what to investigateThe reader decides the issue to examine.
    4. OutcomeConsider the suggested next actionReceivables amount to bring forward, where applicable.
    Read connections and conditions
    1. Read the projected shortfall → Understand the cause
    2. Understand the cause → Choose what to investigate
    3. Choose what to investigate → Consider the suggested next action

    The alert relates a projected deficit or funding need to its date, amount and cause, with guidance for the manager’s decision.

    Connected journeys:J3 · Complete workflow
    C03
    Financial questions
    Complete product operation

    Sees

    A WhatsApp conversation within the company's context.

    Does

    Asks a question about the company's financial position.

    Outcome

    An answer in clear Portuguese explaining the issue, its cause and a suggested action. Financial questions provide decision support; effective ERP posting requires separate human approval.

    GTM · p. 6–7 · PITCH · p. 4–6

    C03 · Interaction flowFinancial questions

    A contextual question leads to an explanation of the issue, its cause and a suggested action.

    1. Open the company conversationTalk to Teteu through WhatsApp.
    2. Ask a financial questionUse the company’s financial context.
    3. Read the explanationIssue, cause and suggested action in clear Portuguese.
    4. OutcomeDecide what to do nextA question does not authorize a financial operation.
    Read connections and conditions
    1. Open the company conversation → Ask a financial question
    2. Ask a financial question → Read the explanation
    3. Read the explanation → Decide what to do next

    Teteu answers in clear Portuguese, grounded in the authorized company’s financial context. A question does not authorize an operation.

    Connected journeys:J3 · Complete workflow
    C04
    Document or audio submission
    Complete product operation

    Sees

    A WhatsApp conversation for submitting an invoice, boleto payment slip, Pix payment receipt, photo or audio.

    Does

    Submits content from which a draft is prepared.

    Outcome

    A financial draft with the supporting information available for human review before effective ERP posting.

    GTM · p. 6–7 · PITCH · p. 4

    C04 · Interaction flowDocument or audio submission

    Submitted documents, photos and audio become a financial draft for human review.

    1. Choose document, photo or audioInvoices, payment slips, receipts, photos and audio.
    2. Submit through the conversationSend content to Teteu through WhatsApp.
    3. Prepare a draftExtract the financial information from the content.
    4. Retain the draft and supporting informationThe draft remains available for review.
    5. OutcomeProvide the draft for human reviewContinue to review, correction and approval.Open related detail ↗
    Read connections and conditions
    1. Choose document, photo or audio → Submit through the conversation
    2. Submit through the conversation → Prepare a draft
    3. Prepare a draft → Retain the draft and supporting information
    4. Retain the draft and supporting information → Provide the draft for human review

    The draft carries its supporting information into review. Draft persistence and effective ERP posting are distinct steps.

    Connected journeys:J4 · Complete workflow
    C05
    Review and approval
    Complete product operation

    Sees

    The draft and supporting information within the authorized review workflow.

    Does

    The authorized manager reviews, corrects, approves or rejects the draft; people resolve exceptions.

    Outcome

    Approved work proceeds to effective Omie posting. Draft persistence and posting remain distinct, and the operation does not move funds.

    GTM · p. 6–7 · PITCH · p. 4

    C05 · Interaction flowReview and approval

    The authorized manager reviews, corrects, approves or rejects a draft before effective ERP posting.

    1. C04View the draft and supporting informationThe authorized reviewer sees the draft and its source.Open related detail ↗
    2. Review the draftThe manager reviews; people resolve exceptions.
    3. ◇ Choice / reviewProvide human approvalThe entry remains subject to human approval.
    4. Post approved work to OmieEffective posting follows human approval.
    5. OutcomeTrack the resulting operationThe resulting effect must match its confirmation.Open related detail ↗
    Read connections and conditions
    1. View the draft and supporting information → Review the draft
    2. Review the draft → Provide human approval
    3. Provide human approval → Post approved work to Omie
    4. Post approved work to Omie → Track the resulting operation

    Approval governs effective posting to Omie. The result reflects the financial action taken; Kaigoo does not move funds.

    Connected journeys:J4 · Complete workflow
    C06
    Outcome and reconciliation
    Complete product operation

    Sees

    Operation outcome and daily reconciliation of bank statements, accounting entries and documents, including discrepancies and exceptions.

    Does

    Checks the outcome and reviews exceptions such as interest, penalties and partial payments.

    Outcome

    A traceable ERP outcome and reconciled financial information that continues to feed forecasts and alerts.

    GTM · p. 6–7 · E05 · documented foundation

    C06 · Interaction flowOutcome and reconciliation

    People check operation outcomes and reconcile exceptions so financial work and forecasts continue.

    1. Read the operation outcomeView the result reported for the operation.
    2. Review daily reconciliationCompare bank statements, entries and documents.
    3. Review discrepancies and exceptionsReview interest, penalties and partial payments.
    4. OutcomeContinue financial work and forecastsThe resulting data supports forecasts and alerts.Open related detail ↗
    Read connections and conditions
    1. Read the operation outcome → Review daily reconciliation
    2. Review daily reconciliation → Review discrepancies and exceptions
    3. Review discrepancies and exceptions → Continue financial work and forecasts

    Reconciliation connects statements, ERP entries and supporting documents. People resolve discrepancies, including interest, penalties and partial payments.

    Source commitments and verified capabilities

    The WhatsApp operation connects media processing, financial questions, draft review and authorized execution, with subscription context, opt-out handling and company access boundaries.

    Journey diagrams and stepsJ1–J4 · Paths, dependencies and boundaries
    +

    Complete journeys, from entry to outcome.

    Each step links to the inventory above. The diagrams connect user actions, company context, human review and the completed financial or commercial outcome.

    J1

    A company requests and reviews the Diagnostic

    Goal: connect an ERP and obtain a useful view of likely collections.

    J1 · Complete workflowA company requests and reviews the Diagnostic

    The company connects its authorized ERP data, reviews the Receivables Diagnostic and continues to the Copilot subscription.

    Read connections and conditions
    1. Request the Diagnostic → Sign in by email: WhatsApp-to-Console handoff
    2. Sign in by email → Select or register a company
    3. Select or register a company → Connect the ERP
    4. Connect the ERP → Track data preparation
    5. Track data preparation → Review the Diagnostic
    6. Review the Diagnostic → Obtain a useful receivables view
    7. Review the Diagnostic → Evaluate the Copilot subscription: Optional commercial transition

    The journey connects sales conversation, company access, ERP preparation, Diagnostic and the recurring offer. Missing or insufficient data remains explicit.

    The sales conversation connects to the Console. The company signs in, selects its context, connects Omie, follows preparation and reviews the Diagnostic. The commercial path continues to the Copilot offer, contract, billing, confirmation and access.

    J2

    A partner monitors the client portfolio

    Goal: reach the correct company's context while preserving access boundaries.

    J2 · Complete workflowA partner monitors the client portfolio

    The partner reaches a selected company’s Diagnostic or financial workflow while preserving access boundaries.

    Read connections and conditions
    1. Identify the partner → Find associated companies
    2. Find associated companies → Manage relationships and access: Relationship administration
    3. Find associated companies → Read portfolio cash flow signals
    4. Read portfolio cash flow signals → Select the company context
    5. Select the company context → Review the company Diagnostic: Diagnostic
    6. Select the company context → Open financial workflows: Financial workflow
    7. Review the company Diagnostic → Return to the portfolio
    8. Open financial workflows → Return to the portfolio

    Portfolio signals connect to the selected client’s analysis and recurring financial work. Viewing, editing and approval have separate permissions.

    The partner operates through company access, invitations, portfolio cash flow signals and individual Diagnostic links. The selected company’s context and permissions remain active throughout its recurring workflow and the return to the portfolio.

    J3

    Understand cash flow and decide

    Goal: turn forecasts, alerts and conversation into an informed decision.

    J3 · Complete workflowUnderstand cash flow and decide

    Forecasts, contextual alerts and questions provide complementary routes to an informed financial decision.

    1. R03Enter the recurring relationshipAccess the company’s confirmed Copilot subscription.Open related detail ↗
    2. Enter the company financial contextForecasts and questions are complementary routes.
    3. C01Read the daily forecastReview projections over 7, 30 and 90 days.Open related detail ↗
    4. C02Read a contextual WhatsApp alertDate, amount and cause of projected cash pressure.Open related detail ↗
    5. C03Ask a financial questionClarify the company’s position through conversation.Open related detail ↗
    6. Consider a suggested actionAmount and reference rate are guidance, not a credit offer.
    7. ◇ Choice / reviewChoose the next financial actionThe manager makes the decision.
    8. OutcomeContinue with an informed decisionNo transfer of funds or outcome guarantee.
    Read connections and conditions
    1. Enter the recurring relationship → Enter the company financial context
    2. Read the daily forecast → Consider a suggested action: Review forecast guidance
    3. Read the daily forecast → Read a contextual WhatsApp alert: Projected cash pressure
    4. Read a contextual WhatsApp alert → Consider a suggested action
    5. Ask a financial question → Consider a suggested action
    6. Consider a suggested action → Choose the next financial action
    7. Choose the next financial action → Continue with an informed decision
    8. Enter the company financial context → Read the daily forecast: Forecast route
    9. Enter the company financial context → Ask a financial question: Question route

    Forecasts, alerts and questions are complementary routes. Guidance retains the company context; the manager chooses the next action, and financial execution requires human approval.

    Forecasts, alerts and questions complement one another; they do not form a mandatory four-screen sequence. The product provides guidance on the amount needed and an indicative rate, without providing credit or transferring funds. PITCH · p. 4–6 · EST · p. 1

    J4

    From submitted documents to financial workflows

    Goal: reduce manual work while retaining human review and exception handling.

    J4 · Complete workflowFrom submitted content to financial workflows

    Content becomes a draft for human review, approved ERP posting, an operation outcome and reconciliation.

    Read connections and conditions
    1. Submit document, photo or audio → Prepare the draft
    2. Prepare the draft → Review the draft and supporting information: Draft and supporting information
    3. Review the draft and supporting information → Provide human approval
    4. Review the draft and supporting information → Handle errors and exceptions: Exception found (exception route)
    5. Provide human approval → Post approved work to Omie
    6. Post approved work to Omie → Read the operation outcome
    7. Read the operation outcome → Review reconciliation
    8. Review reconciliation → Handle errors and exceptions: Discrepancy found (exception route)

    Draft preparation, effective posting and funds movement are distinct. Human review governs posting; correction, rejection and recovery keep the operation traceable.

    Errors and exceptionsPeople review financial exceptions, correct or reject drafts, resubmit the work and resolve failures through the operation.
    After approvalDefine what is posted in the ERPs, the confirmation returned and how duplicates are prevented. This is an integration decision, rather than authorization to transfer funds.

    Submitted content becomes a draft for review. The authorized manager corrects, rejects or approves it; effective Omie posting follows approval. The operation result continues to reconciliation and exception handling. Draft persistence and effective posting are distinct, and Kaigoo does not move funds.

    Reading the evidenceSource, maturity and limits of each claim
    02

    How to use this product reference.

    The report connects commercial descriptions, product responsibilities and detailed workflows through stable IDs and source references.

    Product scope

    The product definitions describe the complete service, its users, commercial role and financial boundaries.

    Shared foundation

    Sign-in, company context, ERP connections, preparation and reconciliation support the three products.

    Receivables intelligence

    The Diagnostic compares eligible scheduled and probable receipts, with model dates and separate authorized app results.

    User experience

    The inventory describes what users see, do and achieve at each touchpoint, using the same IDs throughout the report.

    Human control

    Review, correction, rejection and approval govern financial execution. Company access and financial authority remain distinct.

    Complete product operation

    Source documents and implementation references preserve the origins of the product definitions and journeys.

    The same product descriptions support business artifacts and the Definition of Done. Commercial results and comparative performance claims use their own dated, measured evidence.

    Sources and traceabilityThree PDFs · Earlier document · Existing evidence
    +

    References preserve the product’s origin.

    Product documents, commercial records, implementation references and official competitor descriptions form the reference set retained from the original report. Source dates identify their historical versions.

    GTM

    Designing the product for GTM.pdf

    12 pages; product content on pp. 1–8.

    pp. 1–5: roles of the three products · p. 5: free Diagnostic and automated report · p. 6: two commercial entry paths · pp. 6–7: capture, drafts and reconciliation.

    Source access: Use the document title, version and cited pages. Source access follows the permissions in its original channel.

    PITCH

    Kaigoo · WOW Pitch 2026.2 (EN).pdf

    16 pages. English version referenced on October 2, 2026. The deck’s metrics belong to its dated snapshot.

    pp. 4–6: capture, reconciliation, forecasting, human approval and conversation · p. 8: BRL 399 per company per month, free analysis and free Partner Cockpit · pp. 9, 11: channel and commercial development · pp. 13–16: historical data and glossary.

    Source access: Use the document title, version and cited pages. Source access follows the permissions in its original channel.

    EST

    RELATORIO_EXECUTIVO_ESTIMADOR.pdf

    4 pages. Forecasting methodology, formula, table and diagram on pp. 2–3.

    p. 1: cash flow calculation and recommendations · pp. 2–3: risk, confidence, payer/industry blending and weights · p. 4: next steps.

    Source access: Use the document title, version and cited pages. Source access follows the permissions in its original channel.

    DOC

    Kaigoo products, screens and journeys · 1 October 2026

    Google Doc · 1 October 2026. Origin of the product, touchpoint and journey inventory reproduced in this report.

    IDs E01–E05, R01–R03, P01–P03, C01–C06 and J1–J4 are retained for continuity between the reports.

    Source access: Use the document title, version and cited pages. Source access follows the permissions in its original channel.

    COD

    Code inspection documented in the DOCX

    Code references recorded in the 1 October document, covering the shared Console foundation and financial integration.

    Console: CtaSection.tsx, onboarding/empresa/route.ts, OnboardingModal.tsx, hub/page.tsx, progresso-store.ts, fila-do-dia.tsx and whatsapp-inbound.ts. Intelligence layer: forecasting models referenced in the earlier report.

    LOC

    Receivables Diagnostic · implementation reference

    Historical Diagnostic implementation record, retained as an origin reference for the Console experience.

    EmpresaBloco.tsx · RaioX.tsx · API /api/raio-x · read access to estimador.p1_gatilho_diario · branch codex/raio-x-v1.

    CTX

    User conversation context

    The product sequence connects the Diagnostic, Partner Cockpit, forecasts and alerts, financial questions on WhatsApp, and document capture with approval.

    The three-product structure and financial boundaries are preserved from the source materials.

    V2 reproduces the report with the complete product described in operation, as the shared reference for business artifacts and Definition of Done.

    Terminology: ERP is the category; Omie names the integration covered by the product descriptions in this report.

    REVIEW

    Commercial direction and assessment

    Internal checkpoint, 2 October 2026: digital labor positioning, Diagnostic as a prospecting instrument and the subscription model. WOW assessment, 7 October 2026: differentiation and willingness to pay as commercial evaluation topics.

    The assessment’s eight free development partners are historical product-learning participation. That count is not used as paid adoption or collected revenue in this report.

    PR61

    Diagnostic implementation

    Console PR #61 · Diagnostic reference: per-app 7/30/90-day comparison, company access validation, calculation dates and absent-data handling.

    PR62

    Three-offer landing reference

    Console PR #62 · Three-offer commercial architecture: recurring Copilot, free Diagnostic and free Partner Cockpit, with separate company subscriptions.

    AGENTS

    Approval-controlled agent tools

    n8n human review for AI tool calls. Reviewed 10 October 2026. Establishes available agent infrastructure, not an out-of-the-box financial product.

    Scope of this website

    This site is the complete Kaigoo product and technology reference for business, product and engineering teams.

    Use the product definitions, user journeys and commercial descriptions to create business artifacts. The same inputs, permissions and outcomes form the Definition of Done.

    Repositories cited in the earlier document: techteu-console and camada-inteligencia-kaigoo. Access depends on the account's permissions.

    TechProd Official Report V2 · 10 October 2026. Source dates identify the historical reference versions retained from the original report.