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Agent · 012

Cash Applied Before Coffee.

Applies every remittance to the right open invoices, chases late payers with the right tone at the right time, and resolves disputes — driving DSO down continuously.

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012 · LiveAR Agent

Trusted by

Client
LSE: ASC
Client
NYSE: SGHC
Client
Client
Client
TTSE: MASSY
Client
Client
Client
Client
TYO: 9984
Client
Client
Client
Client
Client
Client
Client
LSE: ASC
Client
NYSE: SGHC
Client
Client
Client
TTSE: MASSY
Client
Client
Client
Client
TYO: 9984
Client
Client
Client
Client
Client
Client

What the AR Agent Does

Cash application, collections, disputes, and credit — run end to end inside your ERP.

Remittance → invoices0/6
Carrefour €184K○3 invoices
Tesco £92K○INV-7102
Walmart $212K○6 invoices
Metro €41K○Short-pay €2.1K
Costco $88K○INV-8891
Aldi €37K○INV-9034

Cash Application

Matches bank credits to open invoices across remittance formats — multi-invoice, partial, and FX included.

Remit sourcesRouting
EDI 820→Parsed
48%
Email advice→Parsed
28%
Bank reference→Inferred
14%
Portal download→Parsed
6%
PDF OCR→Parsed
3%
No remit→AI match
1%

Remittance Parsing

Reads remittance advice from email, EDI 820, portals, and PDFs — no customer templates needed.

Collections queueLive
Vodafone · 12d lateReminder 2 · email sent
£48K
Orange SA · 4d lateFriendly nudge drafted
€22K
Sprint · 32d lateEscalated to account exec
$96K
DT AG · promise to payDue Fri · watching
€64K

Smart Collections

Chases each account on its own cadence — tone, channel, and timing tuned to payment behaviour.

Dispute buckets● Active
Pricing34
Damaged22
Returns18
Unknown8

Short-Pay & Disputes

Classifies deductions and disputes, gathers evidence, and routes them to the right resolver.

Promises keptTarget 100%
81%
Open promises42
Broken this week3

Promise-to-Pay Tracking

Logs every promise, watches for the cash, and re-chases automatically the moment one is broken.

DSO-6d YTD
38d

DSO Reduction

Continuously tunes dunning strategy per segment — measurably compressing days sales outstanding.

Exposure vs limits2 watchlist
0%
Over limit0
Watchlist2

Credit Monitoring

Watches customer credit signals and exposure against limits — flagging deterioration early.

Receipt confidence±2.1d
Predicted vs actual

Receipt Forecasting

Predicts when each customer will actually pay — feeding real behaviour into the cash forecast.

Application cycleStep 0/4
1
Cash landsBank feed
2
MatchedOpen invoices
3
PostedNetSuite
4
Subledger clearSame day

ERP Post-Back

Posts applications, write-offs, and adjustments to the AR sub-ledger — closing it continuously.

Where the AR Agent Does Its Work

The domain it lives in, and the products it works inside to get each task done.

The agent lives in

Ledgers

Explore domain

Auto-matching, journals, and consolidation on an agentic ledger — the AR Agent keeps the receivables sub-ledger applied, clean, and close-ready inside it.

How the work gets done4 steps
  1. 01

    Accounts Receivable

    Order-to-cash

    Applies cash, runs collections and disputes, and keeps the AR sub-ledger current.

    View product
  2. 02

    Treasury Forecast

    Receipt behaviour

    Feeds predicted receipts — based on real payment behaviour — into the 13-week forecast.

    View product
  3. 03

    Reconciliation

    Bank-to-ledger

    Clears applied receipts against bank statement lines so nothing waits for month-end.

    View product
  4. 04

    Ledgers

    Sub-ledger close

    Posts applications, write-offs, and adjustments so the AR close is continuous.

    View product

Trusted by Global Leaders

DON'T TAKE OUR WORD FOR IT

Trusted by global enterprises and critical national infrastructure alike. Bond handles it all, getting smarter with every cycle.

"Bond saves us hours every day. Its AI identifies trapped liquidity then plans the most optimal route to generate more revenue."

Alinda Van Wyk, CFO

100s m

Liquidity Unlocked

Alinda Van Wyk, CFO Logo

The Shell and Equinor JV, Adura, rolled out Bond's full AI system to future-proof their finance and treasury operations.

#1

Independent Producer

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"Bond was clearly more advanced than other vendors during the RFP process and has transformed our operations with it's AI-powered solutions."

Rajiv Parmar, Treasurer

$150m

Liquidity Managed

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Agents in Numbers

AUTONOMOUS EXECUTION, HUMAN OVERSIGHT

Bond agents move money, mitigate risk, and optimize liquidity — around the clock, without missing a beat.

$1B+

Liquidity Unlocked for Companies

$100M+

Extra Revenue Generated

$50B+

Monitored by Agents Every Day

24/7

Agents Working Around the Clock

10x

Faster Reaction Speed Than Traditional TMS

SlackTeamsGmailZoom

Agents Working by Your Side

$1B+

Liquidity Unlocked for Companies

$100M+

Extra Revenue Generated

$50B+

Monitored by Agents Every Day

24/7

Agents Working Around the Clock

10x

Faster Reaction Speed Than Traditional TMS

SlackTeamsGmailZoom

Agents Working by Your Side

BOOK A DEMO

Ready to collect cash on autopilot?

See how Bond can transform your finance operations with AI automation, ROI delivery, and intelligent decision-making.

Book Demo
$1B+

Liquidity Unlocked

$100M+

Extra Revenue Generated

1,000+

Risk Incidents Mitigated

$36.5B+

Investment Volume Annually

$1T+

Transactions Processed

$50B+

Managed Daily

FAQs

Your questions, answered.

It combines amount, payer, reference fragments, open-invoice patterns, and each customer's historical payment behaviour to find the most likely invoice set — and shows its reasoning. Items below your confidence threshold are routed for a one-click human confirmation.
Only under the collection policy you set. You control cadence, tone, channels, and escalation points per segment — the agent drafts and sends inside those rules, and anything sensitive is routed to your team first.
Yes. The ERP remains the system of record — the agent reads open invoices from it, applies cash to it, and posts adjustments back to it, so your AR aging and reporting never leave home.

System of Action

DO BETTER THAN STATIC DASHBOARDS

Bond's AI intelligence layer turns static data into intelligence that doesn't just inform work - it does it.

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41 Madison Avenue, 31st Floor
New York, NY 10010
United States
Berkeley Square House
London, United Kingdom
W1J 6BD

Platform

Foundation

  • Intelligence
  • Connectivity
  • Governance & Controls
  • Payments

Treasury

  • Headquarters
  • Liquidity
  • Risk
  • Debt
  • In House Bank
  • Market Data

Trading

  • Investments
  • FX

Forecasting

  • Treasury Forecast
  • FP&A
  • Capital Forecast

Accounting

  • Ledgers
  • Close
  • Reconciliation
  • Journal Entries

Payables & Receivables

  • Accounts Payable
  • Accounts Receivable

Domains

  • Headquarters
  • Payments
  • Trading
  • Forecast
  • Ledgers
  • Risk
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Agents

  • Close
  • Optimization
  • FX
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  • Investment
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  • Policy Enforcer
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Solutions

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Bond Financial Technologies Ltd is an appointed representative of Hurricane Capital UK Limited that is authorised and regulated by the Financial Conduct Authority. Bond Financial Technologies Ltd registered address is Second Floor, Berkeley Square House, London, United Kingdom, W1J 6BD. The information and the services referred to on our site are directed at professional clients, eligible counterparties and retail clients. However, retail clients may only rely on the information herein in relation to corporate finance business. If you have any doubts about your status you must not access our site. This website is for information purposes only. Nothing herein shall be construed (i) as an official confirmation and/or (ii) as advice or a recommendation. Please note that you are required to have read and accepted the terms of our Privacy Policy & Terms of Use before you are able to access our website.