All work
Cosmiron product · Fintech

CosmiFinStartup finance, run from your phone.

Company and personal wallets, payroll files, GST and TDS, and e-signatures in one installable app, with an AI assistant that shows its working.

Product
CosmiFin
Built for
Indian startups and agencies
Industry
Fintech
Since
2026
Status
Live
The problem

Startups run their moneyout of spreadsheets.

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.

Cash to the team

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.

Reimbursements

Reimbursements chased from memory.

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.

Renewals

Subscriptions and contracts lapsing unnoticed.

Alerts go out 3 days before a tool renews, and 30, 14 and 7 days before a contract expires.

GST deadlines

A missed GSTR-3B, found out too late.

Reminders go out on the 11th, 17th and 20th until last month's GST is filed.

Why we built it

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.

Designed, engineered and runby Cosmiron.

Discovery & design
Phase 01
Designed around everyone who touches the money.

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.

Designed for
FounderAccountantEmployee
  • Discovery and product strategy
  • Mobile product and UX design
  • Roles, approvals and private wallets
  • Plan for moving the Excel workbook in
DeliveredA phone-first finance app for every role
Product engineering
Phase 02
Built every ledger, workflow and file.

Wallets, transfers, expenses, salaries, client payments, GST and TDS, each one a workflow with its own records, reminders and checks.

Modules
WalletsTransfersExpensesPayrollClient paymentsGST & TDS
  • Company and personal wallets with a one-tap switch
  • IDFC bulk-pay file with bank details checked first
  • Scheduled reminders for salaries, GST and renewals
  • Cosmiron's Excel workbook moved in
DeliveredThe whole finance desk in one app
AI systems
Phase 03
Put AI to work where you can check it.

Four AI features, each one either showing its working or waiting for a person to confirm.

AI features
Finance assistantContract fieldsReceipt readingExpense categories
  • Finance assistant with 16 read-only tools
  • Signature fields found on real contract blanks
  • Receipt extraction from photos and PDFs
  • One-tap expense categories
DeliveredAn AI analyst that shows its queries
Cloud & growth
Ongoing
Shipped as an installable app, still growing.

Deployed on AWS in Mumbai and installable on any phone, with push notifications and continuous delivery.

Runs on
AWS MumbaiPWAWeb PushGitHub Actions
  • AWS EC2 and S3 in the Mumbai region
  • Installable PWA with web push
  • Continuous delivery with GitHub Actions
  • Growing as a Cosmiron product
DeliveredLive at fin.cosmiron.ai
Inside CosmiFin

The whole finance desk,in one app.

Real CosmiFin screens, shown with a fictional demo company.

Two wallets

Company and personal money, kept apart.

One tap switches between the company's books and your own wallet. Personal wallets stay private, and employees never see company figures.

Retainer clients

Late payers stand out at a glance.

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.

Payroll

Salary files, ready for the bank portal.

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.

GST and TDS

Deadlines chase you, not the other way round.

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.

  1. 01Two wallets
  2. 02Retainer clients
  3. 03Payroll
  4. 04GST and TDS
AI inside

AI does the busywork.
You stay in control.

Four CosmiFin features run on AI. Each one either shows its working or waits for a person to confirm.

AI assistant
Ask your books anything.

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.

  • 16 read-only tools, so it can't change any data
  • Limited to your own company's books
  • Employees only get answers about their own records
AI contract fieldsReasoning · structured output
Finds where each signer signs. Code first pulls the real form fields and ruled lines out of the PDF. The AI only labels those candidates as a signature, name, designation or date, so it can't invent a signing spot, and the founder confirms before anything is sent.
AI receipt readingPhotos · PDFs
Reads the receipt for you. Upload a photo or PDF of a receipt and the vendor, amount, date and category fill themselves in. Nothing is submitted until you have checked it.
AI categories
Picks the category in one tap. Tap Suggest and the matching expense category is selected for you. You can still change it.
The hardest part

E-signatures with the evidenceIndian courts ask for.

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.

  1. 01Confirm the emailed code
  2. 02Read to the end
  3. 03Sign
  4. 04Download the court pack
  • An emailed OTP for every signer
  • A must-scroll reading record and versioned consent
  • A hash-chained audit trail of every event
  • A PKCS#7 seal with an RFC 3161 timestamp
  • A BSA s.63(4)(c) certificate and evidence bundle
  • Refuses document types the IT Act excludes, such as leases over 11 months
Built with

Modern, proven tools,
chosen to last.

React
Vite
Tailwind CSS
PWA (Workbox)
Web Push
Node.js
Express
MongoDB
Redis
Socket.IO
AWS EC2
AWS S3 (Mumbai)
pdf-lib
@signpdf
pkijs (RFC 3161)
ExcelJS
IDFC BLKPAY file format
GitHub Actions

Plus AI for the assistant, contract fields, receipts and expense categories.

What changed

Cosmiron's books moved from a spreadsheet to one app where every movement has an owner and deadlines chase the founders.