Agentic Financial OS on stablecoin rails. Drag-drop fintech widgets (Brex, Mercury, Ramp, Deel), AI agents for payroll & invoicing, private transfers, legal contracts and yield — all in one workspace.
BUFI is not another DeFi dashboard, payments app or neobank. It is a full-stack Agile Agentic Financial Operating System (AAF-OS) — an AI COO and CFO that remembers everything, researches autonomously, communicates proactively, and guides users as part of agile workspace teams through any financial operation, autonomously or even when it requires human action.
It helps you run your business on stablecoin and local rails and provides compliant private transfers for managing payroll, invoicing and financial flows. We have abstracted the best fintechs in the US into drag-drop widgets (Brex corporate cards, Mercury, Ramp, Deel, etc.) into an agile workspace where you and your team can power global 24/7 financial workflows with AI and agents.
We are introducing payroll benefits such as stock option 401k's for global workforce, treasury access to stocks, easy access to DeFi aggregated yield strategies, automated accounting (US and Brazil), business knowledge graph, intelligent inbox AP/AR reconciliation and financial analytics, Slack and WhatsApp receipt and invoice upload, and AI escrow legal contracts for workspace-to-workspace collaboration.
We are building at the intersection of Notion + Light + Mercury for a financial AI and stablecoin-first OS for global businesses and teams. The true future of work.
Two AI Surfaces, One Brain: The platform runs two complementary AI interfaces — a deep-think modal for strategic financial conversations (powered by Vercel AI SDK v6 with streaming artifacts: code, charts, reports, spreadsheets), and a contextual copilot panel that's aware of what page you're on and triggers human-in-the-loop approvals for transfers, invoices, and compliance actions via CopilotKit. Both have access to bu/intelligence - a multiprovider AI package that includes semantic vector search, own memory system, OCR extraction, and a rich cascade enrichment pipeline including Exa Websets and Plaid financial enrichment.
Multi-Chain Transfer Engine: Same-chain transfers (Circle SDK), cross-chain bridges (CCTP + Bridging kit), USDC-backed corporate credit cards (Rain.xyz) and fiat off-ramp (Bridge and AlfredPay API) — all through a single interface. Supports multichain USDC/EURC. Batch payroll, invoice auto-routing, and gas optimization with Circle Gas Station and Alchemy paymaster.
Compliant Private Transfers (Ghost Mode): USDg (ghostUSD) and eUSDg (encrypted ghostUSD) — a 1:1 USDC wrapper with ERC20Permit + Burnable — enables privacy-preserving transfers. Paired with a Chainlink PolicyEngine for programmable and FHENIX Cofhe smart-contracts, policy-based financial governance and an ACE Vault for managed treasury with double AML checks (ACE/Circle Compliance Engine) and KYC/KYB (Persona). Deposited USDC goes into a treasury vault redeemable againsst Hashnote USYC strategy for short-term treasury yield as private transfer's are unlocked for business use-cases.
AI Escrow Contract: Manage contracts between two workspaces with escrow deposits for automated payments. With AI putting the smart in smart contracts. Verifyin work done as PDFs to decide if the contract was completed or not as per proofs. Future expansion from PDFs to also support compute environments for code to run in isolated environments. Want to use E2B for this.
Banking Data Engine (Motora): A Cloudflare Worker that unifies Plaid, Teller, GoCardless, and Pluggy behind one edge-computed API. Real-time balances, transactions, and holdings from 400+ financial institutions with auto-generated Swagger/OpenAPI docs. Onramp from your connected bank to stablecoins while you keep track of 20 financial metrics for all of your connected accounts.
Blockchain Verification (Chainlink CRE): Decentralized Oracle Network consensus baked into financial workflows. On-chain attestations via BUAttestation.sol — cryptographically signed, immutable proof of every financial operation. Consensus-verified API calls to banking, transfer, and accounting services.
100+ AI Tools: Financial operations, research, and reporting tools including spending fingerprinting, customer payment profiles, relationship scoring, financial SQL generation, and autonomous research with web search. Memory system spans episodic (conversations), semantic (embeddings), and procedural (learned workflows). Voice-first interface with Deepgram → LLM → ElevenLabs pipeline. Multi-LLM support: Claude, GPT-4, Gemini, Groq with automatic fallback.
Enterprise Grade: RBAC (viewer → member → admin → owner), KYC/KYB via Persona, full audit trails, Stripe billing with usage-based metering, team management, feature flags, and an MCP Server with x402 payment protocol for API monetization.
Frontend: Next.js 16 + React 19 + Expo 54 (mobile)
Backend: Hono (Cloudflare Workers) + Supabase (PostgreSQL)
AI: Vercel AI SDK v6 + CopilotKit + Circle x402 Nanopayments
Chain: viem + ethers + Foundry + Chainlink CRE
Payments: Circle SDK + Bridge API + Stripe + Alfred + Rain
Banking: Plaid + Teller + GoCardless + Pluggy
<ul><li><p>Deployed eUSDg and eUSDg token, PolicyEngine proxy, and ACE Vault smart contracts on Ethereum Sepolia with Foundry</p></li><li><p>Built Chainlink CRE workflows for consensus-verified banking and transfer attestations (DON-signed on-chain proofs)</p></li><li><p>Implemented Circle Nanopayments x402 middleware for MCP Server API monetization (gas-free batched settlement)</p></li><li><p>Shipped multi-chain transfer engine supporting CCTP, Wormhole bridging, and Bridge API fiat off-ramp across 10+ EVM networks</p></li><li><p>Launched Motora banking engine on Cloudflare Workers with 4-provider aggregation</p></li><li><p>Integrated Voice Pipeline v2 with streaming Deepgram transcription and ElevenLabs synthesis</p></li><li><p>Built 100+ AI tools for financial operations: spending fingerprint, relationship scoring, financial SQL, autonomous research</p></li><li><p>Created full HITL (Human-in-the-Loop) approval system with KV-backed tokens (5-min write TTL, 10-min financial TTL)</p></li><li><p>Built Ghost Mode private transfer flow using USDg wrapper + PolicyEngine for compliant stablecoin privacy</p></li><li><p>Designed workspace widget architecture for drag-drop fintech abstractions of Earn DeFi product, Stock product, Payroll Stock Benefits and the biggest widget of them all -> workspace to workspace legally binding contracts with AI escrows.</p></li><li><p>Established monorepo at 71 packages, 10 apps with Turborepo build orchestration</p></li></ul>
<p>Bootstrapped. Need money to launch. Waiting for first check to go through BMA (Bermuda Monetary Authority) sandbox.</p>
