Cash handed to staff with no record it arrived.
A transfer stays pending until the person receiving it confirms. They can also dispute it with a note.
Company and personal wallets, payroll files, GST and TDS, and e-signatures in one installable app, with an AI assistant that shows its working.
CosmiFinYour financial analyst
You've spent ₹66,297 on subscriptions so far this quarter, across 7 renewals.
| Subscription | Renewals | Spent |
|---|---|---|
| CloudNest Hosting | 3 × ₹12,499 | ₹37,497 |
| Pixelboard Team | 3 × ₹4,800 | ₹14,400 |
| Notewise Business | 1 × ₹14,400 | ₹14,400 |
You have 3 overdue payments worth ₹1,96,500:
Northstar has now missed two months in a row. It's worth a call before their October retainer comes due.
Together they account for 89% of the ₹13,94,200 received since April.
Founders collect client payments directly, hand money to the team with no record it arrived, chase reimbursements from memory, build salary bank files by hand and find out about a missed GSTR-3B or an unrecovered TDS credit too late. CosmiFin puts all of it in one mobile app, where every rupee in or out is a workflow with a second person confirming it.
A transfer stays pending until the person receiving it confirms. They can also dispute it with a note.
Employees mark what they paid themselves and attach the receipts. Once approved it is recorded in their personal wallet, and nobody can approve their own expense.
Alerts go out 3 days before a tool renews, and 30, 14 and 7 days before a contract expires.
Reminders go out on the 11th, 17th and 20th until last month's GST is filed.
Cosmiron needed it first. Our founders collected client money directly and paid the team from it, and the books lived in an Excel workbook. We built CosmiFin to run our own finances, moved that workbook into it, and have run Cosmiron's finances on it ever since.
We mapped how money really moved through a small agency, from client payments to cash in hand, then designed a phone-first app for each person involved.
Wallets, transfers, expenses, salaries, client payments, GST and TDS, each one a workflow with its own records, reminders and checks.
Four AI features, each one either showing its working or waiting for a person to confirm.
Deployed on AWS in Mumbai and installable on any phone, with push notifications and continuous delivery.
Real CosmiFin screens, shown with a fictional demo company.
One tap switches between the company's books and your own wallet. Personal wallets stay private, and employees never see company figures.
Retainer payments are generated automatically with GST and TDS split out. A 12-month grid shows what is paid and what is overdue, with due-soon and overdue alerts, partial payments and rate changes.
Each pay day creates a pending salary, and founders are reminded if it is still unpaid after 3 days. CosmiFin builds the IDFC bulk-pay file with IFSC and account numbers checked first, you upload it to the bank, and a salary can't be marked paid twice.
Each month's GST shows as accruing, due or filed, and filing records the ARN and challan. TDS your clients withheld is tracked until you recover it.
Four CosmiFin features run on AI. Each one either shows its working or waits for a person to confirm.
Ask in plain language, like "How much does this client owe us?" The assistant runs its own queries against live data and shows which ones it ran for every answer.
Document
Master Services Agreement — Brightpath Logistics
Fernwood-Brightpath-MSA-v3.pdf
Signer 1
Verification: Email OTP · Electronic signature — not Aadhaar eSign
Signer 2
Verification: Email OTP · Electronic signature — not Aadhaar eSign
Found 8 fields in your document
Untick anything that looks wrong — these get marks stamped on them.
Aarav Mehta
Meera Joshi
Two-column signature block on page 2: the left column is Fernwood Labs, the right column is Brightpath Logistics.
8 fields will be filled in. A Record of Completion is always added at the end.
What this signature is
This is not an Aadhaar eSign. It carries no statutory presumption under section 3A of the Information Technology Act, 2000. If this signature is disputed, the party relying on it must prove who signed, using the audit trail below.
We evaluated Documenso and walked away. Its seal was no stronger than one we could run ourselves, and it would have made a third party part of every court production. So we built signing natively, with OTP-verified signers, a must-scroll reading record, versioned consent and a hash-chained event log.
Each PDF is sealed with a PKCS#7 signature plus an RFC 3161 timestamp, so the evidence outlives the certificate. The PDF signing library had no RFC 3161 timestamp support, so we wrote that signer ourselves on pkijs.
Aarav Mehta
Chief Executive Officer, Fernwood Labs Pvt. Ltd.
aarav@fernwoodlabs.example
Signed yesterday · drawn
Meera Joshi
Director – Operations, Brightpath Logistics Pvt. Ltd.
meera.joshi@brightpath.example
Signed 17 hours ago · typed
Audit chain verified · 20 events
d87926147a44ccf4e9b5519cee57602d0244d244756a6565c9f5ad38f9f8436c
Request created
14/9/2026, 10:41:12 am IST · 203.0.113.24
Signing links sent
14/9/2026, 10:41:15 am IST · 203.0.113.24
Opened the link
14/9/2026, 10:58:03 am IST · 203.0.113.24
Code sent
14/9/2026, 10:58:04 am IST · 203.0.113.24
Identity verified (email OTP)
14/9/2026, 10:58:41 am IST · 203.0.113.24
Viewed the document
14/9/2026, 10:58:42 am IST · 203.0.113.24
Read to the end
14/9/2026, 11:00:19 am IST · 203.0.113.24
Consent given
14/9/2026, 11:01:05 am IST · 203.0.113.24
Consent given
14/9/2026, 11:01:07 am IST · 203.0.113.24
Signed
14/9/2026, 11:02:10 am IST · 203.0.113.24
Opened the link
15/9/2026, 4:39:22 pm IST · 198.51.100.61
Code sent
15/9/2026, 4:39:23 pm IST · 198.51.100.61
Identity verified (email OTP)
15/9/2026, 4:40:02 pm IST · 198.51.100.61
Viewed the document
15/9/2026, 4:40:03 pm IST · 198.51.100.61
Read to the end
15/9/2026, 4:44:31 pm IST · 198.51.100.61
Consent given
15/9/2026, 4:45:10 pm IST · 198.51.100.61
Consent given
15/9/2026, 4:45:12 pm IST · 198.51.100.61
Signed
15/9/2026, 4:47:05 pm IST · 198.51.100.61
All signers complete
15/9/2026, 4:47:06 pm IST
Document sealed
15/9/2026, 4:47:09 pm IST
Electronic signature (email/OTP verified)
This is not an Aadhaar eSign. It carries no statutory presumption under section 3A of the Information Technology Act, 2000. If this signature is disputed, the party relying on it must prove who signed, using the audit trail below.
Your PDF reader may show a yellow warning that the signature's validity is "unknown". That means your reader does not recognise CosmiFin's signing certificate — it does not mean the signature is invalid or that the document was altered. Any change to the file after signing would break the seal.
An electronic record needs a certificate under section 63(4)(c) of the Bharatiya Sakshya Adhiniyam, 2023 to be admissible. Part A is generated for you and signed by your officer. Part B must be signed by an independent expert — give them the bundle below and they can verify this record without any access to CosmiFin.
The certificate is generated fresh each time, so it always names the officer currently in post rather than whoever held the role when this was signed.
Plus AI for the assistant, contract fields, receipts and expense categories.
Cosmiron's books moved from a spreadsheet to one app where every movement has an owner and deadlines chase the founders.