Bujeti, a Nigerian fintech backed by Y Combinator, is expanding its financial management platform with an artificial intelligence (AI) workforce designed to automate routine finance operations for businesses. Its new system can process financial documents, follow up on unpaid invoices, monitor transactions and respond to employees’ finance-related questions.
Called the Real-time Agent Intelligence Network (BRAIN), the system uses four AI agents, which Bujeti refers to as “Teammates”. The agents work with financial information already stored on the platform, including accounts, budgets, vendors, contracts and transactions. Bujeti said the Teammates will become publicly available on September 30.
The launch comes as businesses across Africa increasingly move from experimenting with AI to incorporating the technology into everyday operations. According to a May 2026 PwC study cited by Bujeti, 82% of organisations in Africa were running AI pilots, although relatively few had expanded those initiatives across their businesses. African organisations were also allocating an average of 2% of their revenue to AI.
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“Every ambitious African business should be able to run its finances with a CFO in the room, whether or not it can afford to hire one,” said Cossi Achille Arouko, co-founder of Bujeti. ”BRAIN does not sit beside the ledger and ask to be fed. It reads the books we spent three years making legible.”
Four AI Teammates for Finance Operations
BRAIN is built on the financial infrastructure Bujeti has developed over the past three years. Its four AI agents are designed to perform different functions while working from the same financial information, allowing tasks completed by one agent to inform the work of another.
The first agent, Fetch, handles financial documents. It connects with a company’s storage and accounting applications to locate invoices and receipts, extract relevant information and assign confidence scores to its findings. Where its confidence is insufficient, the task can be referred to a human for review.
The second agent, Chaser, focuses on accounts receivable. It can contact customers about outstanding invoices through email, SMS and WhatsApp and can assist with payment arrangements where customers are unable to settle their full balances. Disputed cases are referred for human intervention.
Watchdog, the third agent, is focused on financial controls. It monitors vendor activity and contracts and generates alerts based on the seriousness of potential issues. The fourth, Concierge, serves as an internal finance assistant, allowing employees to ask questions about their organisation’s financial policies.
“What makes them a team, and not four tools, is that they work on one ledger, the one already inside Bujeti. What Fetch captures, Watchdog can flag. What Chaser collects, your books already know,” Arouko said. “They handle the routine so your people handle the judgment, and you stay in control.”
Human Oversight Remains Central
Bujeti said BRAIN does not depend on a single AI model. Instead, an orchestration layer directs different tasks to the models best suited to handle them. The company has also designed safeguards around actions that could have irreversible financial consequences.
For example, AI agents cannot independently move money. Instead, an agent can prepare a proposed action, which must then be reviewed and approved by an authorised person. Bujeti said this approach is intended to keep businesses in control while using AI to handle repetitive financial work.
“We are responsible for the system doing what we say it does: the gate holding, the threshold behaving as configured, the audit trail being complete enough that you can reconstruct exactly why something happened and who committed it,” Arouko said. “If any of those fail, that is ours, and it is the thing we should be judged on. The decision itself belongs to the person who committed it, exactly as it did before we existed.”
Founded by Arouko and Samy Chiba in 2022, Bujeti initially started as a remittance product before shifting its focus in 2023 after identifying challenges businesses faced in controlling company spending. The fintech subsequently expanded from corporate cards into spending approvals, budgeting, vendor payments, business accounts, invoicing, tax and payroll. Bujeti was part of Y Combinator’s Winter 2023 batch and has raised $2 million from investors including Y Combinator, Entrée Capital, Voltron Capital and Kima Ventures.
Bujeti currently operates fully in Nigeria and Kenya and says more than 1,000 teams use its platform. The company is targeting mid-market and enterprise businesses, particularly organisations with more than 20 employees and increasingly complex financial operations.
The fintech also plans to make its financial intelligence accessible through external AI assistants. Its forthcoming Bujeti MCP is expected to allow tools such as ChatGPT and Claude to connect to a company’s Bujeti account, subject to existing user permissions, enabling them to retrieve information such as marketing expenditure, overdue invoices, outstanding customer payments and cash balances.
Bujeti is entering a growing African technology market where companies are increasingly using AI to automate business operations. The company sees its existing financial infrastructure and the data captured through its platform as an important foundation for BRAIN, while competing with local providers such as Flex, Duplo and Karty and international players including Ramp, Brex and Bill.
Looking ahead, Bujeti plans to expand into Francophone Africa, although it has not announced specific markets or a launch timeline. The company said expansion will depend on its ability to support local financial requirements, including banking, payments, payroll, taxation and other workflows businesses need to operate effectively.
“Our opportunity isn’t limited to one country’s banking infrastructure,” Arouko said. “The increasingly connected financial ecosystem across UEMOA gives Bujeti a foundation to build for businesses across multiple markets, extending the same mid-market and enterprise strategy we are pursuing in Nigeria and Kenya.”
