Profy™ Deep Dive

Modern Operating System for Finance & Compliance

Profy unifies event-driven finance, compliance orchestration, modular services, and AI automation so multi-jurisdiction SMBs can scale with regulator-ready guardrails.

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Solution overview

10

Modular services

Ledger, AR/AP, banking, treasury, payroll, marketplace, governance

7+

Compliance jurisdictions

GST, InvoiceNow, CPF, UK MTD, US IRS, HK IRD, AU BAS

3

Deployment models

SaaS multi-tenant, dedicated clusters, air-gapped kits

Signals & Proof Points

Finance OS proof points

Temporal-ready

Event-driven orchestration

BullMQ queues today, saga orchestration tomorrow

6

AI automation tracks

AR/AP, ledger intelligence, forecasting, cash ops, compliance, reporting

Evidence-grade

Audit guardrails

Immutable vaults, runbooks, SLA dashboards, override telemetry

Architecture Overview

4-layer stack for delivery, orchestration, services, and foundation

Role-based consoles sit atop orchestration queues, modular domain services, and a hardened foundation so every region inherits policy, telemetry, and compliance.

Profy's multi-tenant web console, mobile approvals, and developer toolkits give every persona a real-time command centre with guided onboarding, collaboration, and extensible APIs.

Responsibilities

  • Multi-tenant console with dashboards, scenario planning, and alerts
  • Guided onboarding flows and persona-specific workspaces
  • Mobile approvals and expense capture
  • GraphQL, REST, and webhook surfaces for partners
  • Role-based access, collaboration, and immutable audit trails

Packages

web-consolemobile-appgraphql-apirest-apiwebhook-engineaudit-loggerguided-onboarding

Modular Services

10 domain services choreographed via event streams

Each module ships focused capabilities, policy guardrails, and telemetry so finance teams can compose the stack they need.

Ledger Service

BETA

Event-sourced journals powering multi-entity, multi-currency finance

  • Double-entry ledger with pervasive validation and tenancy guardrails
  • Multi-entity, multi-currency handling with FX projections
  • Real-time balances, accruals, and scenario planning
  • Ledger feature store feeding analytics and AI services
  • Audit analytics with regulator-ready evidence exports

Compliance Orchestrator

BETA

Filing lifecycle automation with regulator SLA enforcement

  • Filing state machines with lifecycle persistence
  • BullMQ queue/worker with Redis persistence
  • Temporal integration for long-running workflows
  • Evidence vault automation with immutable artefacts
  • Regulator SLA dashboards, alerts, and runbook automation

Compliance Packs

BETA

Regulator-ready filing templates and automation

  • GST filing automation (Singapore)
  • InvoiceNow/PEPPOL e-invoicing
  • CPF payroll submissions
  • Corporate tax packs and withholding filings
  • Regional e-invoicing (UK MTD, US IRS, HK IRD, AU BAS)

AR/AP Service

BETA

Quote-to-cash and procure-to-pay workflows

  • Quote lifecycle and contract management
  • Invoice normalization and vendor bill ingestion
  • Three-way matching (PO, receipt, invoice)
  • Dunning and payment reconciliation
  • Vendor management and approval workflows

Banking Service

BETA

Bank feed ingestion and reconciliation

  • Multi-bank connector support (DBS, OCBC, UOB, Plaid, Teller)
  • Automated reconciliation with ML engine
  • Virtual accounts and embedded payments
  • Bank feed normalization and deduplication
  • Real-time balance and cash position tracking

Treasury & Payments

PLANNED

Cash management and payout orchestration

  • Cash position dashboards and forecasting
  • FX hedging and multi-currency treasury
  • Real-time payments and payout orchestration
  • Cash pooling, liquidity management, and guardrails
  • Embedded payments, virtual accounts, and working-capital automation

Payroll & Workforce

PLANNED

Gross-to-net and statutory remittances

  • Payroll processing and gross-to-net calculations
  • CPF integration and statutory remittances
  • Multi-jurisdiction tax packs
  • Payslip generation and employee portal
  • Compliance reporting and audit trails

Expense Management

PLANNED

OCR capture and policy-driven reimbursement

  • Receipt OCR and transaction capture
  • Policy compliance checks and guardrails
  • Reimbursement workflows and approvals
  • Card feed integrations
  • Mobile-first expense submission

Marketplace & Extensibility

BETA

Developer ecosystem and partner integrations

  • GraphQL APIs and REST endpoints
  • Webhook subscription framework
  • TypeScript/Node SDK and Terraform modules
  • App registry and certification program
  • Revenue sharing and partner enablement

Observability & Governance

BETA

Operational telemetry, SLO dashboards, and incident readiness

  • OpenTelemetry instrumentation across services
  • Grafana/Loki/Tempo dashboards and runbooks
  • Structured logging and traceability for audits
  • Anomaly detection and SLA breach alerts
  • Compliance evidence exports and override telemetry

Compliance Packs

Jurisdiction-ready packs spanning APAC, UK, and US

Packaged filings, evidence templates, and automation guardrails accelerate market entry for partners and customers.

Singapore

BETA

Singapore GST

  • GST returns
  • GST reconciliation
  • GST audit reports

Singapore & Regional

BETA

InvoiceNow/PEPPOL

  • E-invoice submission
  • Invoice normalization
  • Compliance validation

Singapore

BETA

CPF Payroll

  • CPF contributions
  • Payroll submissions
  • Compliance reports

United Kingdom

PLANNED

UK MTD

  • VAT returns
  • Quarterly submissions
  • Compliance tracking

United States

PLANNED

US IRS

  • 1099 reporting
  • 941 payroll tax
  • W-2 submissions

Hong Kong

PLANNED

HK IRD

  • Profits tax returns
  • Quarterly reconciliation
  • Audit support

Australia

PLANNED

AU BAS

  • BAS submissions
  • GST reconciliation
  • Compliance reports

AI Automation & Governance

Copilot tracks with deterministic governance

AI copilots remain human-supervised, policy-aware, and fully auditable through telemetry streams.

Telemetry & Security

  • AR/AP Automation

    Sequence models and reinforcement learning tune quote-to-cash and procure-to-pay flows with guardrails.

  • Ledger Intelligence

    Foundation models and constraint solvers draft and reconcile journals with human-in-the-loop validation.

  • Budgeting & Forecasting

    Driver-based forecasting and scenario ensembles translate operational signals into rolling plans.

  • Cash-Flow Management

    Probabilistic inflow/outflow modeling orchestrates liquidity actions across banking rails.

  • Compliance & Risk

    LLM agents maintain rule graphs, self-heal filings, and deliver regulator-grade evidence.

  • Reporting & Analytics

    Narrative board packets and conversational analytics surface insights with provenance.

Governance Pillars

Zero-Trust Security

  • Principle of least privilege
  • workload identity
  • and continuous compliance monitoring

Evidence Governance

  • 7-year retention with hash-based integrity
  • immutable audit logs
  • and regulator exports

Compliance Automation

  • Lifecycle state machines
  • SLA enforcement
  • and regulator telemetry dashboards

Data Residency

  • Tenant-level region selection
  • encryption at rest/transit
  • and PDPA/GDPR alignment

Deployment Models

Flexible deployment with SLA-backed guardrails

Choose shared SaaS, dedicated single-tenant, or air-gapped installs while keeping governance and automation intact.

SaaS Multi-Tenant

Shared infrastructure with tenant isolation via PostgreSQL RLS

Deployment focus

  • Mid-market SMBs
  • Accounting firms
  • Fast-growing startups
  • SLA: 99.5% uptime

Dedicated Single-Tenant

Isolated Kubernetes cluster with customer-managed keys

Deployment focus

  • Enterprise customers
  • Regulated industries
  • High-volume processors
  • SLA: 99.95% uptime

On-Premises / Air-Gapped

Self-managed deployment with offline compliance capabilities

Deployment focus

  • Government agencies
  • Sovereign funds
  • Highly regulated entities
  • SLA: Custom SLAs

Roadmap

Sequenced delivery from Singapore launch to global automation

Each phase accelerates coverage—launching APAC with tenant guardrails, expanding packs and marketplace tooling, then delivering autonomous close and global payments hubs.

Focus Areas

  • Multi-entity ledger, FX projections, and tenancy guardrails
  • Compliance orchestrator MVP with GST, InvoiceNow, CPF packs in sandbox
  • Harden AR/AP quote-to-cash and bank feed ingestion prototypes
  • AI-ready data foundation with ledger feature store and override telemetry
  • Owner/controller dashboards with guided onboarding flows

Deliverables

  • Ledger service GA with tenancy guardrails
  • Compliance orchestrator sandbox with GST/InvoiceNow/CPF
  • Quote-to-cash workflows and banking ingestion runbooks
  • Ledger feature store and telemetry governance
  • Persona dashboards and onboarding playbooks

Finance modernization playbook

Bundle ledger, AR/AP, banking, and treasury services with compliance packs and AI telemetry.

  1. Deploy delivery + orchestration layers
  2. Enable ledger and AR/AP modules
  3. Switch on AI copilots with override telemetry

Regulated market entry

Combine localized compliance packs, policy runtime, and evidence governance to satisfy regulators quickly.

  1. Select jurisdictional packs
  2. Configure SLA dashboards + evidence vaults
  3. Run dry-runs with regulators before go-live

Engage

Ready to modernize finance and compliance operations?

Share mandates and timelines—Profy will align deployment kits, compliance packs, and automation blueprints to your objectives across regions.

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