Obol Copilot In Action

Obol Copilot is here.

Cash flow decisions are being increasingly made in real time, and the systems behind them need to function at that level of responsiveness.

Copilot marks the turning point for Obol, where cash flow analysis becomes continuous, and reporting stops being a task and becomes part of the workflow itself.

With Copilot, you don’t stop to check numbers. All you need to do is ask.

Cash used to be passive. A record of what already happened.

Now it’s proactive. It explains itself. It sees around corners. It reasons with you.

You used to work through spreadsheets to understand your business cash flow. With Copilot, insight arrives while decisions are still being made.

The finance teammate that never waits for month end

Our customers at Obol bring Copilot into the questions that used to be reserved for month end, but now surface continuously. Is revenue still tracking toward target, or has the trajectory changed? Does the cash cycle we modeled actually match what’s happening in the accounts right now, or are we carrying risk forward without seeing it? What changes if inflows accelerate or slow materially over the next few weeks?

These aren't month-end questions anymore. They're Tuesday questions. Thursday questions. Questions that matter now, not in three weeks when the books finally close.

When results change, no one wants another static report. They want the why. The sequence. The financial chain of events that created the movement.

Finance teams field hundreds of questions before month-end. What if each one a) got answered instantly, b) showed the complete trail of what changed, and c) raised the actual decisions that need making?

You had questions. And with Copilot, you have the answers in real time.

Built where your data already lives

Every finance team wants more time back.

Copilot gives it to them by working inside Obol, right where the data already is. There’s no separate model to maintain and no need to cross-check across tools. Everyone is operating off the same data, in real time.

We see this show up in very practical ways for our customers. Take liquidity. Before Copilot, checking short-term cash meant logging into three bank portals, pulling balances, and rebuilding a view in Excel. Thirty minutes later, you had an answer, that’s now already outdated.

Now? You just ask Copilot. It answers directly from live balances and your existing cash flow plan. Three seconds, not thirty minutes.

Or vendor payments. Teams used to export forecasts into a separate sheet, test scenarios, then reference back to the "real" model. More tabs. More versions. More risk that someone's working off the wrong file.

Copilot evaluates the obligation directly against the same cash position you already use for reporting and planning. One model. One answer. Immediately actionable, immediately trusted.

What do all of these have in common? They eliminate the invisible cost. Every finance team pays when tools don't talk to each other and data lives in different places.

Because Copilot operates inside Obol, every question is answered against the same underlying model. There’s no debate about whose numbers are right and no lag between insight and action.

Answers get sharper. Time to action gets shorter.

Reporting that goes beyond what you ask for

In the first year of business, reporting is simple.

When a number changes, someone usually knows why. The assumptions are fresh. The decisions that led there are still visible. A variance doesn’t need explaining because the explanation already exists in the room.

As the business scales, that breaks. Results change continuously, while reporting still waits for a close, a review, or a follow-up question.

That’s when reporting turns into work.

Finance teams start pulling exports, slicing data, and walking stakeholders through what they’re seeing. Reports show what changed, but not why. Each question creates another layer of analysis, another version of the truth.

The business runs in real time. Traditional reporting doesn’t.

Every CFO is adamant this will not happen to them, but it inevitably does. You start building a finance function. You end up building a reporting factory.

Copilot enables the next generation of reporting. Our customers use it to get answers that used to require three analysts and two days:

• Our variance agent explains plan vs. actual outcomes by identifying which inflows, outflows, or balances drove the variance.
• Our reporting agent breaks down changes in cash position across accounts, categories, or vendors.
• Our scenario agent assesses the financial impact of recent decisions such as higher spend or new hires directly against current liquidity.

Reporting this powerful eliminates the gap between seeing a result and understanding its implications.

What comes next

Copilot is the first step toward a finance stack that operates continuously. It lays the groundwork for a new kind of financial infrastructure, one where reporting, analysis, and planning happen automatically, and every movement of cash flow is reflected in real time.

Obol Copilot is now available to customers.

If you want to see it in action, book a demo.

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