CashGuard.AI — Visual Agent Architecture

Read-Only Feeds

📄 Invoices Feed

data/invoices.json

Billed totals, payment terms, due dates, client identifiers.

🏦 Bank Statement CSV

data/bank_feed.csv

Real-time ledger credits, settled ACH/wire deposits, bank memos.

✉️ Client Inbox Feed

data/client_emails.json

Payment promises, wire references, milestone dispute context.

🔒 Zero Mutation Guarantee: Agent core holds strictly read-only handles. Raw accounts are never altered.

⚙️ Step 2 • AWS Strands Agent Core (Orchestrator)

🔍 Monitor Tool

tools/monitor.py

Ingests 3 feeds into unified, normalized financial state.

⚖️ Matching Tool

tools/matcher.py

Deterministic arithmetic reconciliation & token correlation.

🤫 Silent Auto-Resolution

Exact matches and current invoices reconciled 100% silently. Zero freelancer alert fatigue.

⚠️ Exception Escalation

Underpayments (PARTIAL), unpaid overdue debts (UNMATCHED), and duplicate wire claims.

📊 Cash-Impact Prioritizer (tools/prioritizer.py)

Score = (Amount at Risk) × (Days Overdue)

🌐 Reasoning Layer: OpenRouter Multi-Model LLM Gateway

Distinguishing Technical Choice

Zero-Cost Free Tier

Meta-routes to openrouter/free (Llama 3.3 70B, Gemini 2.0, Mistral).

Structured Tool Calling

Deterministic JSON invocation of draft_message, eliminating hallucinations.

Resilient Failover Chain

Automatic exponential backoff & model cascade upon HTTP 429 rate limits.

📝 Action Drafter Tool

tools/drafter.py

Enforces non-sending safety contract:

contract: { sent: false }

🛑

Human Approval Gate

tools/approval_gate.py

Demands explicit human authorization before any outbound dispatch.

Interface & Governance

📱 Clay Web UI / WhatsApp Web

🤖 CashGuard Agent Just now

⚠️ Acme Corp underpaid by $750 on INV-2026-001 (Due 10d ago). Shall I follow up with John?

✓ Approve & Dispatch

✕ Reject / Hold

Freelancers can review, edit copy inline, or approve/dismiss with 1-click.

📋 Responsible AI Audit Trail

data/audit_log.jsonl IMMUTABLE

data/audit_log.md EXECUTIVE

Logs silent background reconciliations, exception flags, LLM reasoning tokens, and human approval signatures.