{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/zeni-ai","markdownUrl":"https://nowen.ai/agents/zeni-ai.md","jsonUrl":"https://nowen.ai/agents/zeni-ai.json","name":"Zeni","legalName":"Zeni Inc.","website":"https://zeni.ai","location":"Palo Alto, CA, United States","address":{"city":"Palo Alto","state":"CA","country":"United States"},"industry":"Accounting","deliveryModel":"hybrid","marketCategories":{"primary":{"name":"Accounting Services","url":"https://nowen.ai/category/accounting-services"},"others":[{"name":"Accounts Payable Automation Software","url":"https://nowen.ai/category/accounts-payable-automation-software"}]},"status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-11-09T16:50:12.650Z","summary":"Zeni combines AI-powered bookkeeping and accounting automation with expert financial review and guidance for startups and growing businesses.","description":"Zeni provides AI-powered accounting and bookkeeping services for startups and growing businesses. Its platform automates daily bookkeeping, transaction categorization, reconciliations, and financial reporting, with finance experts reviewing the work and providing guidance to help businesses maintain accurate, timely books and make informed decisions.","mission":"Every business deserves world class bookkeeping.","directory":{"industryName":"Accounting","agentCount":110,"indexable":true,"hubUrl":"https://nowen.ai/industry/accounting"},"categoryDirectory":{"name":"Accounting Services","agentCount":111,"indexable":true,"url":"https://nowen.ai/category/accounting-services"},"aiReaderFamilies":["OpenAI","Perplexity","Amazon"],"boonFrontDoor":{"url":"https://boon.ai/agents/zeni-ai","label":"Apply to Zeni's partner program through Boon","sub":"Your AI agent writes the proposal: who you are, the fit, and a first step."},"products":[{"name":"AI CFO Agent","anchor":"product-ai-cfo-agent","type":"Product","url":"https://www.zeni.ai/ai-cfo-agent","summary":"Get timely, data-backed financial answers, forecasts, and reports to make informed business decisions.","description":"Zeni’s AI CFO Agent answers financial questions using the live books maintained by the AI Accountant Agent. It provides cash runway projections, scenario planning, month-end insights, and financial reporting, with charts and explanations of calculations. Zeni MCP connects company books to supported AI assistants, providing read-only access to live, reconciled financial data through 20 tools for questions and analysis across reports, cash, receivables and payables, vendors, bills, and reimbursements. Answers are scoped to the company and refresh when its books update.","pricing":{},"features":[{"name":"Cash runway projections and scenario planning","value":"Forecast Cash Runway And Model Scenarios","valueDescription":"Use current financial information to project cash runway and compare potential changes to spending, hiring, or growth plans."},{"name":"Live-book financial analysis","value":"Analyze Current Reconciled Books","valueDescription":"Base answers and analysis on live, reconciled company books rather than outdated exports or manually copied data."},{"name":"Read-only financial tools","value":"Analyze Financials Without Changing Books","valueDescription":"Use AI tools to report on and analyze financial data while the connector remains unable to edit books or move money."},{"name":"On-demand financial answers and charts","value":"Get Financial Answers And Review Calculations","valueDescription":"Ask questions about company finances and receive written answers with charts, along with the data and calculations used to produce them."},{"name":"Financial reporting and month-end insights","value":"Review Current Statements And Variances","valueDescription":"Access current financial statements and close-related metrics, understand financial changes, and prepare board or investor updates from current books."},{"name":"AI assistant connectivity","value":"Connect Company Books To AI Assistants","valueDescription":"Access company financial data through supported AI assistants, including Claude, OpenAI Codex, Google Antigravity, and ChatGPT."},{"name":"Natural-language financial queries and analysis","value":"Ask Questions And Analyze Financials","valueDescription":"Get answers to direct questions and examine financial statements, spending patterns, anomalies, and metrics without exporting data."},{"name":"Strategic financial planning","value":"Plan Growth Against Current Numbers","valueDescription":"Evaluate business plans against current financial information to support decisions and prepare for potential problems."},{"name":"Financial dashboard","value":"Monitor Key Financial Metrics Together","valueDescription":"View key business financials together and review insights about changes in the business."},{"name":"Financial projections and scenarios","value":"Model Projections And Scenarios","valueDescription":"Explore financial projections and what-if scenarios based on historical company data."},{"name":"Company-scoped access and connector setup","value":"Set Up Secure Company-Scoped Access","valueDescription":"Connect through a supported AI tool, sign in with OAuth, and access company-scoped financial data through a read-only connection."}]},{"name":"AI Bill Pay","anchor":"product-ai-bill-pay","type":"Product","url":"https://www.zeni.ai/product/bill-pay","summary":"Automate bill processing, approvals, and vendor payments while tracking spend and avoiding platform and ACH fees.","description":"Zeni AI Bill Pay automates bill processing from invoice capture through approval and payment. Its AI captures bill details, categorizes accounting information, and stores vendor details to reduce repeated data entry. Businesses can configure multi-level approval flows, track payment statuses, and pay domestic and international vendors. Bill Pay has no platform fee or ACH fees; international payments have no fees when made using Zeni Checking Accounts. The product also provides vendor payment trends and brings bill pay, reimbursements, credit cards, and checking accounts together on an AI-powered dashboard.","pricing":{},"features":[{"name":"AI bill capture and coding","value":"Reduce Manual Invoice Entry","valueDescription":"Capture bill information and accounting classifications automatically, while saved vendor details reduce repeated entry."},{"name":"Automated approval workflows","value":"Route Bills Through Configured Approvals","valueDescription":"Configure multi-level reviews around company needs, approval parameters, and invoice due dates."},{"name":"Domestic and international vendor payments","value":"Pay Vendors Across 160 Currencies","valueDescription":"Pay domestic and international vendors in supported currencies. ACH payments have no fees, and international payments have no fees when made using Zeni Checking Accounts."},{"name":"Payment tracking and review","value":"Track Payments And Prompt Approvers","valueDescription":"Follow bills through payment and approval, remind approvers, and reject bills that seem out of place."},{"name":"No platform or ACH fees","value":"Avoid Platform And ACH Fees","valueDescription":"Use Bill Pay without platform or ACH fees; the service is included at no extra cost with an existing subscription."},{"name":"Vendor spend trends","value":"Review Monthly Vendor Spend","valueDescription":"See monthly vendor payments and inspect payment details when spending appears unusually high."},{"name":"Unified financial dashboard","value":"Manage Financial Activity In One Dashboard","valueDescription":"Access bill pay alongside reimbursements, credit cards, and checking accounts from one dashboard."}],"marketCategories":[{"name":"Accounts Payable Automation Software","url":"https://nowen.ai/category/accounts-payable-automation-software"}]},{"name":"Reimbursements","anchor":"product-reimbursements","type":"Product","url":"https://www.zeni.ai/product/employee-reimbursements","summary":"Simplify employee expenses with AI-assisted submissions, customizable approvals, real-time tracking, and quick payouts.","description":"Zeni Reimbursements helps businesses manage employee expense submissions, approvals, and payouts. Employees can submit multiple receipts together, while AI can populate expense details, match receipts, and code expenses. Businesses can customize approval processes, track reimbursement statuses, and issue same-day ACH payouts. Reimbursements sync with the dashboard for real-time visibility into payment history and trends. The product has no yearly platform fee or ACH fees.","pricing":{},"features":[{"name":"Customizable approval workflows","value":"Customize And Track Approvals","valueDescription":"Configure approval processes to fit business requirements, track status, and remind people when an approval is needed."},{"name":"Same-day ACH payouts","value":"Pay Employees By Same-Day ACH","valueDescription":"Issue employee reimbursement payouts through same-day ACH."},{"name":"AI expense detail capture, receipt matching, and coding","value":"Capture And Organize Expense Details","valueDescription":"Populate expense details, match supporting receipts, and code expenses to reduce manual entry and connect documentation to reimbursement records."},{"name":"No platform or ACH fees","value":"Avoid Yearly Platform And ACH Fees","valueDescription":"Use the reimbursement product without a yearly platform fee or ACH fees."},{"name":"Bundled receipt submissions","value":"Bundle Receipts In One Submission","valueDescription":"Combine multiple receipts in a single submission, such as receipts collected during a company event."},{"name":"Real-time reimbursement tracking and dashboard","value":"Track Reimbursements In Real Time","valueDescription":"View reimbursement statuses, payment history, and trends as information syncs, alongside other financial activity in one dashboard."}]},{"name":"Zeni Business Checking Account","anchor":"product-zeni-business-checking-account","type":"Product","url":"https://www.zeni.ai/checking-accounts","summary":"Earn interest, open as many checking accounts as needed, and access up to $3 million in FDIC insurance coverage through the deposit sweep program.","description":"A business checking account offered through Zeni’s banking partner, Thread Bank, Member FDIC. Eligible deposits may receive up to $3 million in FDIC insurance coverage through a deposit sweep program, subject to applicable conditions. The account earns interest compounded daily and credited monthly, and businesses can open unlimited checking accounts. Zeni states there are no minimum balances or deposits required to earn interest. Checking accounts can also be used with Zeni Bill Pay for $0 ACH and international payment fees.","pricing":{},"features":[{"name":"FDIC insurance through partner banks","value":"Protect Eligible Deposits With Up To $3M Coverage","valueDescription":"Eligible deposits may qualify for up to $3 million in FDIC insurance coverage through the partner-bank sweep program, subject to applicable conditions."},{"name":"Interest accrual","value":"Earn Interest With No Minimum Balance","valueDescription":"Earn interest calculated and compounded daily and credited monthly. No minimum balance or deposit is required to earn interest; rates and APY are variable."},{"name":"Unlimited checking accounts","value":"Open Unlimited Business Checking Accounts","valueDescription":"Create as many checking accounts as the business needs."},{"name":"Fee-free ACH and international payments","value":"Send ACH And International Payments With $0 Fees","valueDescription":"When using Zeni Checking Accounts with Zeni Bill Pay, stated fees are $0 for ACH and international payments."},{"name":"Multi-currency transactions","value":"Make Payments In 160 Currencies","valueDescription":"Zeni’s payment information states that transactions are supported in 160 currencies."}]},{"name":"Zeni Business Credit Card","anchor":"product-zeni-business-credit-card","type":"Product","url":"https://www.zeni.ai/business-credit-card","summary":"Earn cash back on business spending and use the card wherever Visa credit cards are accepted, with automated tracking of business card expenses.","description":"The Zeni Business Credit Card is a cash-back business credit card for eligible Zeni customers, available by invitation. Issued by Thread Bank under a Visa license, it can be used wherever Visa credit cards are accepted and supports automated tracking of business card expenses.","pricing":{},"features":[{"name":"Cash-back rewards","value":"Earn Cash Back On Business Spending","valueDescription":"The card offers cash back on business spending."},{"name":"Visa acceptance","value":"Use The Card Wherever Visa Is Accepted","valueDescription":"The card may be used wherever Visa credit cards are accepted."},{"name":"Automated expense tracking","value":"Track Business Expenses Automatically","valueDescription":"Automated tracking can help customers keep business card spending organized."}]},{"name":"Outsourced accounting services","anchor":"product-outsourced-accounting-services","type":"Service","url":"https://www.zeni.ai/product/outsourced-accounting-services","summary":"Outsource bookkeeping and accounting work to experts using AI, with financial statements and annual tax filings prepared for your business.","description":"Zeni’s outsourced accounting services combine AI bookkeeping with access to accounting experts who manage books, taxes, and financial operations. The service includes ongoing transaction categorization, receipt and invoice matching, account reconciliation, accounting schedules, monthly closing, financial statement preparation, and annual tax filing preparation. The AI Accountant supports bookkeeping and bill processing, while uncertain items can be reviewed by experts. The service also includes vendor verification, audit checks, and real-time financial reporting.","pricing":{},"features":[{"name":"AI-supported transaction bookkeeping","value":"Keep Transaction Books Current","valueDescription":"Categorize transactions as they arrive, apply learned business-specific patterns, and route uncertain items to experts for review."},{"name":"Expert accounting support","value":"Access Dedicated Accounting Experts","valueDescription":"Rely on accounting professionals to manage bookkeeping, taxes, and financial operations, with expert review included."},{"name":"Account reconciliation and monthly close","value":"Reconcile Accounts And Close Books Monthly","valueDescription":"Keep account records aligned, surface discrepancies, prepare close schedules, and have experts review and sign off on monthly closes."},{"name":"Audit checks and transaction traceability","value":"Review Reasoning And Track Changes","valueDescription":"Give reviewers visibility into categorization reasoning and transaction history, with approval controls and audit checks to support review."},{"name":"Receipt and invoice matching","value":"Match Receipts And Invoices To Transactions","valueDescription":"Connect receipts and invoices to corresponding transactions and flag missing supporting documents."},{"name":"Accounting schedules","value":"Prepare And Maintain Accounting Schedules","valueDescription":"Keep recurring accounting schedules organized and ready for review, with entries held for approval before posting."},{"name":"Financial statement preparation and reporting","value":"Prepare And View Current Financial Statements","valueDescription":"Receive prepared financial statements and access timely core statements as bookkeeping activity is processed."},{"name":"Annual tax filing preparation","value":"Prepare Annual Tax Filings","valueDescription":"Get annual tax filings prepared through Zeni’s accounting and tax services."},{"name":"Vendor verification","value":"Verify Vendors And Catch Duplicates","valueDescription":"Improve vendor record accuracy by identifying vendors, surfacing duplicates, and suggesting corrections."},{"name":"Bill processing","value":"Process Bills Through Payment","valueDescription":"Move bills through drafting, approval, scheduling, and payment while keeping the bookkeeping workflow connected."}],"marketCategories":[{"name":"Accounting Services","url":"https://nowen.ai/category/accounting-services"}]},{"name":"Fractional CFO services","anchor":"product-fractional-cfo-services","type":"Service","url":"https://www.zeni.ai/service/fractional-cfo-services","summary":"Get expert financial guidance, clearer reporting, and tailored planning to manage cash flow, prepare for growth, and make strategic business decisions.","description":"Zeni’s fractional CFO service provides part-time or project-based financial leadership tailored to business goals, without the cost of a full-time CFO. Support includes financial analysis and reporting, KPI tracking, custom reports and presentations, financial planning and budgeting, cash flow management, strategic growth planning, fundraising and investor reporting, and guidance on M&A, capital investments, risk management, and compliance. CFOs also support board meeting preparation and presentations, with service tailored to a business’s stage and needs.","pricing":{},"features":[{"name":"Financial planning and budgeting","value":"Plan Budgets And Forecasts","valueDescription":"Build financial plans and budgets, compare actual results with budgets, and forecast cash flow to guide business planning."},{"name":"Financial analysis and reporting","value":"Clarify Financial Performance","valueDescription":"Evaluate financial statements and business health, track KPIs, and create custom reports and presentations to make performance clearer."},{"name":"Cash flow management","value":"Manage Cash Flow","valueDescription":"Analyze cash flow, surface potential bottlenecks, and develop strategies to improve cash flow efficiency."},{"name":"Fundraising and capital strategy","value":"Prepare For Fundraising","valueDescription":"Develop funding and capital strategies and receive financial support for fundraising."},{"name":"Flexible, part-time CFO leadership","value":"Access Flexible CFO Expertise","valueDescription":"Get part-time or project-based CFO support tailored to business goals, without the cost or commitment of hiring a full-time CFO."},{"name":"Strategic growth planning","value":"Plan Your Next Growth Moves","valueDescription":"Translate business goals into actionable plans, explore new markets and growth opportunities, and prepare for growth."},{"name":"Board and investor reporting","value":"Prepare Board And Investor Updates","valueDescription":"Prepare financial reports, performance metrics, strategic plans, and presentations for board meetings, and support investor reporting."},{"name":"M&A and capital investment guidance","value":"Evaluate Strategic Investments","valueDescription":"Receive guidance on mergers and acquisitions and capital investments when evaluating strategic opportunities."},{"name":"Risk management and compliance","value":"Address Financial Risks","valueDescription":"Get support with risk management and compliance as the business scales."},{"name":"Financial structure and processes","value":"Build Stronger Finance Processes","valueDescription":"Establish financial structure and processes to streamline financial management and create a foundation for growth."}]},{"name":"Business Tax Services","anchor":"product-business-tax-services","type":"Service","url":"https://www.zeni.ai/service/startup-tax-accountant","summary":"Delegate business tax filings and specialized tax support to advisors who help businesses pursue credits and maintain tax compliance.","description":"Zeni’s tax advisors support businesses with annual federal and state income tax filings, R&D tax credit identification and filing, and additional tax services. Support includes Delaware franchise tax, Form 3921, foreign subsidiary reporting, FBAR, ISO exercise reporting, prior-return amendments, and tax consultancy. For R&D credits, the team identifies qualifying expenses, prepares calculations and IRS paperwork, organizes supporting documentation, and coordinates with payroll providers to apply credits against startup payroll taxes. Zeni’s tax advisors work with C-corps, S-corps, and LLCs.","pricing":{},"features":[{"name":"Federal and state income tax filing","value":"File Federal And State Income Tax Returns","valueDescription":"Receive support with federal and state income tax filings, including additional state corporate income tax filings when needed."},{"name":"R&D tax credit support","value":"Identify And File R&D Tax Credits","valueDescription":"Get help identifying qualifying expenses, preparing calculations and IRS paperwork, organizing supporting documentation, and coordinating with a payroll provider to apply credits against startup payroll taxes."},{"name":"Tax advice and concierge support","value":"Get Guidance From Tax Advisors","valueDescription":"Work with tax professionals who understand your business and provide support for C-corps, S-corps, and LLCs, with a Tax Concierge included in tax plans."},{"name":"Additional business tax filings and reporting","value":"Handle Additional Business Tax Filings","valueDescription":"Request listed add-on support for Delaware franchise tax, foreign subsidiary reporting, FBAR, Form 3921, ISO exercise reporting, and prior tax return amendments."}]},{"name":"Startup Payroll Services","anchor":"product-startup-payroll-services","type":"Service","url":"https://www.zeni.ai/service/startup-payroll-services","summary":"Outsource payroll administration and compliance to specialists, helping employees and contractors get paid accurately and on time.","description":"Zeni’s expert-led payroll service manages payroll operations for U.S.-based employees and contractors. Support includes onboarding and termination, payroll system setup and management, payroll submission, tax and benefits deduction calculations, direct deposits, employee inquiries, and compliance with federal, state, and local requirements. Optional services include state employer registration, W-2 and 1099 preparation, international contractor payments, benefits enrollment support, payroll account closure, and payroll consultation.","pricing":{},"features":[{"name":"Payroll compliance","value":"Maintain Compliance Across U.S. Jurisdictions","valueDescription":"Address payroll requirements across federal, state, and local jurisdictions, including agency requests and state contractor reporting."},{"name":"Payroll system management and support","value":"Manage Payroll Operations With Expert Support","valueDescription":"Coordinate payroll system setup, submit payroll, update employee records, and respond to employee and business inquiries."},{"name":"Payroll calculations and direct deposits","value":"Process Accurate, Timely Payroll Payments","valueDescription":"Handle payroll tax and benefits deduction calculations and direct deposits as part of payroll operations."},{"name":"Employee onboarding and termination","value":"Coordinate Employee Onboarding And Offboarding","valueDescription":"Support new hires with payroll setup and coordinate termination tasks such as final pay, benefits cancellation, and exit paperwork."},{"name":"Payroll tax form preparation","value":"Prepare Payroll Forms And Filings","valueDescription":"Add support for employee and contractor tax forms, as well as federal and state payroll filings."},{"name":"Employer state registration","value":"Register As An Employer In New States","valueDescription":"Handle employer registration in additional states and jurisdictions as a payroll add-on."},{"name":"Payroll account setup and closure","value":"Set Up Or Close Payroll Accounts","valueDescription":"Get payroll implementation assistance and account closure support as separate add-on services."},{"name":"Benefits administration support","value":"Support Employee Benefits Administration","valueDescription":"Add help with benefits enrollment and benefits administration alongside payroll support."},{"name":"International contractor payroll support","value":"Onboard And Pay International Contractors","valueDescription":"Add support for onboarding and paying international contractors; Payroll Manager support is limited to U.S.-based employees and contractors."},{"name":"Payroll advice and workers’ compensation audit support","value":"Get Payroll Guidance And Audit Support","valueDescription":"Contact payroll specialists for support and consultation, including assistance with workers’ compensation audit management."}]}],"audiences":[],"segments":[],"faq":[],"comparisons":[],"sources":[{"url":"https://zeni.ai","text":"Zeni"},{"url":"https://www.zeni.ai/ai-cfo-agent","text":"AI CFO Agent"},{"url":"https://www.zeni.ai/product/bill-pay","text":"AI Bill Pay"},{"url":"https://www.zeni.ai/product/employee-reimbursements","text":"Reimbursements"},{"url":"https://www.zeni.ai/checking-accounts","text":"Zeni Business Checking Account"},{"url":"https://www.zeni.ai/business-credit-card","text":"Zeni Business Credit Card"},{"url":"https://www.zeni.ai/product/outsourced-accounting-services","text":"Outsourced accounting services"},{"url":"https://www.zeni.ai/service/fractional-cfo-services","text":"Fractional CFO services"},{"url":"https://www.zeni.ai/service/startup-tax-accountant","text":"Business Tax Services"},{"url":"https://www.zeni.ai/service/startup-payroll-services","text":"Startup Payroll Services"}]}