Agents do the clerical work. People approve the exceptions. Books that cannot go wrong silently.
Built for money that has to add up.
Smartacy is an operating system for businesses in the GCC: contacts, invoicing, bank and books for any business, with industry packs on top.
agents with their own permissions and spending limits
roles, each with an approval limit
floats. Money is kept in whole halalas
industry packs, from auctions to healthcare
How Smartacy works
Agents with a job, a role and a cap.
Intake, compliance, reconciliation and collections agents each do one job. Every agent is held to its own permissions and spending limit.
Nobody gains powers by delegating to an agent. You can only start an agent whose every action your own role could do.
Intake · Compliance · Reconciliation · Collections
Each listed in the decision inbox when it needs a person.
Four eyes on every large payment.
Every person has a role and an approval limit. Moving more money than your limit sends the action to the decision inbox, where a second person with a high enough limit decides.
Nobody approves their own request, and an approver must be allowed to run the action themselves.
| Role | Can do | Approves alone up to |
|---|---|---|
| Owner | Everything, including billing and rebuilding records | No limit |
| Admin | Everything except billing and rebuilds | SAR 500,000 |
| Finance | Deposits, payments, invoices, payouts, reversals, bank statements | SAR 100,000 |
| Operations | Parties, KYC submission, auctions, lots, invoices | SAR 20,000 |
| Compliance | Parties, KYC submission and decisions | — |
| HR | Employees, departments, documents, leave | — |
| Viewer | Read only | — |
Books that cannot go wrong silently.
Every change is a command, so people, agents and integrations follow one set of rules and leave one audit trail.
- Journal entries must balance to zero, enforced by the database at commit
- Events and journal tables reject updates and deletes. Corrections are reversing entries
- Each company is walled off by Postgres row-level security
- ZATCA e-invoicing built in
- Two-step sign-in, and SAML single sign-on on Enterprise
Industry packs, switched on per company.
Switching a pack on installs its accounts and agents. Switching it off keeps every record.
Auctions pack
Bidders and sellers, lots, winner invoices with hammer price and buyer premium, and deposit matching for the reconciliation agent.
Real estate pack
Managed buildings, units and leases, with lease periods in anchored calendar months.
12 more packs
Retail, wholesale, restaurants, hotels, healthcare, contracting, manufacturing, car dealers, field service, facility maintenance, professional services and subscriptions.
Run your books with agents.
Smartacy is opening its pilot to a small number of GCC businesses.