Artificial intelligence for your cash flow

No. Smart Planning always saves a draft. Whether it becomes the official plan is your decision, made by approving it in cash flow planning. The AI never commits anything unasked.

No. AI Insights and COMMITLY Advisory are decision bases, not a substitute for advice. They prepare the numbers and suggest measures — the responsibility stays with you and your advisors.

Yes, via AI Connect and the MCP server. Details on the platform page. Access rights and approvals stay in COMMITLY.

Companies that actively manage their liquidity, want to spot budget risks early and make well-founded decisions — especially SMEs, growth-oriented companies and founder teams.

COMMITLY Advisory (beta) is a written decision brief on your liquidity, weekly as the weekly check or monthly as the monthly check. Every memo is built from your live data in COMMITLY, prepared by the AI and reviewed and approved by a COMMITLY expert before it is sent. You receive it as a PDF with data status and analysis period. We diagnose and frame the decision. The decision is yours.

The weekly check answers on one page whether the money will last until Friday: verdict, review of the previous week, payment list with the balance afterwards and at most three actions with dates, delivered on Mondays after the bank sync. The monthly check looks back after close: a three-sentence management summary, key figures next to the previous month's expectation, a data-hygiene check, three to four observations with recommendations and a detail page.

AI Insights explain directly in the app what is happening in your numbers right now, instantly and automatically. COMMITLY Advisory goes one step further: a COMMITLY expert reviews the analysis prepared by the AI, approves it, and you receive a decision brief with concrete recommendations. Advisory does not replace your tax advisor. We provide no tax or legal advice and no audit — we frame your liquidity decisions.

Only COMMITLY. Through the COMMITLY interface, the AI reads exclusively your company's data: account balances, open items and plan. Data from different customers is never mixed and never flows into another memo. Before it is sent, the memo is seen only by the COMMITLY expert who reviews and approves it. You grant nobody new access — Advisory uses the data that is already in COMMITLY.

Then the memo states what triggers the red, how much time is left and which steps come next, with dates. In the weekly check that is at most three actions, in the monthly check observations with recommendations. A COMMITLY expert has reviewed the finding before sending. If the weekly view is no longer enough, we point you to the 13-week check as a building block of your early crisis detection. We do not make insolvency-law assessments.

COMMITLY Advisory can be cancelled monthly, with no minimum term. It runs as a beta. That means: the memos are productive and are approved by a COMMITLY expert before every send-out; scope and format are developed further together with the beta customers. The weekly check and the monthly check are available. We agree cadence and terms together in a conversation, so the package fits your company.

Yes. COMMITLY aligns its use of AI with the principles of the EU AI Act (transparency, human oversight, traceability), is ISO 27001:2022 certified and hosts in Germany.

No. Your financial data is never used for third-party training purposes and is not passed on to third parties.

No. Processing and storage take place exclusively in the EU region (Frankfurt). There is no data transfer to third countries.

Exclusively structured financial data from your COMMITLY account — account balances, cash flow data, budgets, forecasts, plan-versus-actual comparisons. No free text input, no external documents.

Every assessment is based on specific transactions and plan data. You can see at any time which data underlies an evaluation — no sweeping statements, no black box.

Hallucinations occur when a language model freely completes text without a data basis. COMMITLY reduces this risk by design: the AI works exclusively on structured data from your account — transactions, plan values, forecast — not on free-form text input. Every statement with numbers can be cross-checked directly in COMMITLY: the underlying transactions and plan data are in your account, so every recommendation can be validated. Nothing is applied automatically — suggestions wait for your approval, and every Advisory memo is reviewed by a COMMITLY expert before it is sent. No AI system can rule out errors entirely — which is exactly why the decision stays with you. And when in doubt, COMMITLY support is there to help you interpret a result.

Only authorised users with the appropriate role (account owner, admin). In addition, everything is controlled via an active opt-in/opt-out and can be deactivated at any time.

Yes. Every statement can be rated directly (thumbs up/down). Your feedback improves the analysis logic — without your data being used for external training.