Niural Pay

Niural Pay is a comprehensive accounts payable and accounts receivable platform that automates invoice processing, payment execution, and cash flow management for Web3 businesses with complex global payment requirements. The system serves as a unified financial operations hub that combines traditional finance workflows with native cryptocurrency support.

Accounts Payable Capabilities

Centralized Vendor Management - Unlimited vendor database with contact information, payment terms, tax ID collection, payment history, and compliance documentation across all countries and payment types.

AI-Powered Invoice Processing - Upload invoices individually or in bulk (CSV, PDF, image formats) with AI-powered data extraction that automatically populates vendor name, invoice number, line items, amounts, taxes, and payment terms. Perry AI agent reduces manual data entry by 90%.

Customizable Approval Workflows - Multi-level approval chains based on amount thresholds, department budgets, or vendor types with automated routing to appropriate approvers and email/platform notifications.

Multi-Method Payment Execution - Schedule payments or execute immediately across ACH, wire transfer, check, credit card, international transfers, and cryptocurrency. Batch payment processing for operational efficiency. Support for paying vendors in both fiat and stablecoins.

Multi-Currency Operations - Process invoices and make payments in 100+ currencies with competitive exchange rates and transparent fee structures. Automatic currency conversion tracking for accounting reconciliation.

Employee Expense Management - Self-service expense submission portal with receipt capture, automatic categorization, policy enforcement, and reimbursement processing integrated with payroll.

Accounts Receivable Features

Professional Invoice Generation - Create branded invoices with custom fields, line item details, automatic tax calculations (sales tax, VAT, GST), payment terms, and embedded payment links. Support for recurring invoices and invoice templates.

Tax and Compliance Integration - Automatic calculation of state sales taxes, VAT, GST, and service fees based on customer location and product/service type, ensuring compliance across jurisdictions.

Automated Billing and Collections - Schedule automatic invoice generation and delivery on fixed intervals. Automated payment reminders, overdue notices, and collection workflows reduce days sales outstanding (DSO).

Flexible Payment Acceptance - Accept customer payments via bank transfer, ACH, wire, credit card, and cryptocurrency. Payment links embedded in invoices enable one-click payment.

Customer Self-Service Portal - Customers can view invoice history, download statements, update payment information, and make payments without contacting accounts receivable staff.

Financial Analytics and Reporting

AI-Powered Cash Flow Forecasting - Predictive models forecast future cash positions based on historical payment patterns, outstanding invoices, upcoming bills, and payroll obligations. Enables informed decisions about hiring, investments, and operational expenses.

Payment Trend Analysis - Track payment velocity, identify slow-paying customers, analyze vendor payment terms utilization, and spot seasonal cash flow patterns.

Aged Receivables and Payables Reports - Standard aging reports (30/60/90 days) for both receivables and payables with drill-down to individual transactions and automated escalation for overdue items.

Credit Limit Management - Set and monitor customer credit limits with automated alerts when limits are approached or exceeded. Risk scoring based on payment history.

Budget vs Actual Analysis - Compare actual spending against departmental budgets with variance analysis and trend reporting.

Integration and Automation

ERP and Accounting Integration - Native integrations with QuickBooks, Xero, NetSuite, and other accounting systems. Bidirectional sync of invoices, payments, vendor records, and customer data ensures clean audit trails.

Wallet Integration - Direct integration with Niural Wallet and multi-sig wallets (Safe/Gnosis Safe) for crypto payment execution with full compliance tracking.

Bulk Operations - Upload thousands of vendors, customers, or invoices from existing systems via CSV import. Bulk payment processing, invoice generation, and statement delivery.

AI-Driven Payment Routing - Intelligent payment routing selects the most cost-effective payment method based on amount, destination country, urgency, and available payment rails. Reduces transaction costs by 30% on average.

Audit Compliance - SOC 2 Type 2 compliance, automatic record retention, immutable transaction logs, and detailed permission tracking support financial audits and regulatory requirements.

Business Results

Companies using Niural Pay report 15+ hours saved per month on payment processing, 30% reduction in transaction costs through optimized payment routing, and 95% improvement in payment accuracy through automated compliance and error detection.

The platform is particularly valuable for:

• Professional services firms managing hundreds of client invoices and contractor payments
• Web3 companies needing to pay vendors in both fiat and crypto with unified reporting
• International businesses with cross-border payment complexity across multiple currencies
• Growing companies transitioning from manual invoicing spreadsheets to automated financial operations that scale with the business