Finance Engine
The Finance Engine runs the entire finance and accounting function inside your own building, on hardware you own, with every ledger entry, payment instruction and forecast sealed to a post-quantum Open Audit Record. It replaces the cloud finance stack that has, until now, demanded your general ledger leave the perimeter. Here the close, the controls and the modelling all execute offline, and the numbers never reach a third party.
A general ledger is among the most sensitive datasets an organisation holds: it exposes margins, payroll, supplier pricing, customer payment behaviour, bank account and card details, and unannounced financial position, all of which become market-moving or personally identifiable in the wrong hands. Routing this through a shared cloud SaaS or a multi-tenant model creates an egress event that collides with GDPR for the personal data inside payroll and receivables, PCI-DSS for stored cardholder and bank stream data, and, for regulated financial firms in the UK and EU, the FCA operational resilience rules and DORA, which treat critical third party cloud dependencies as concentration risk that must be controlled and, in many cases, exited. Where the finance function feeds automated decisioning, SR 11-7 model risk governance and the EU AI Act add an obligation to evidence exactly how a model reached a figure, which is impossible when the weights and the run logs sit on infrastructure you neither own nor can audit. Mickai removes the boundary problem entirely by keeping the ledger, the models and the audit trail on hardware the organisation owns, so the regulated data never leaves the building and there is no third party processor to disclose, contract around, or trust.
The 9 services in this pillar, each running on hardware you own and routing to the studio that delivers it. Every one names the regulated data it keeps in-house and the category of cloud tool it replaces.
Invoicing, Billing and Reconciliation
The sovereign brains raise and dispatch invoices, then read the incoming bank statement feed to match payments against open items and clear the subledger automatically. Cardholder data, bank account numbers and customer billing records stay sealed inside your own ledger and never touch a third party processor, keeping the flow inside the PCI-DSS and GDPR perimeter. Reconciliation that once depended on a hosted platform now closes offline, on hardware you own.
Accounts Payable and Receivable Automation
Mickai matches purchase orders to invoices and goods receipts, schedules supplier payments inside approval limits, and surfaces ageing receivables before they slip into collection. Supplier bank details, contract pricing and customer payment histories remain on owned hardware, so the personal and commercial data carrying GDPR exposure is never handed to a hosted AP or AR service. The result is a controlled payables and receivables cycle that runs fully offline.
Cashflow Forecasting
The offline brains read open receivables, scheduled payables and historical patterns to project daily and weekly cash positions and flag funding gaps ahead of time. Because the forecast is built from your own general ledger and bank data on premise, the underlying liquidity picture, which is market-sensitive and confidential, never leaves the perimeter. Treasury sees a forward cash view without exposing the position to any external platform.
Budget Planning and Variance Analysis
Mickai constructs departmental and project budgets, then continuously tests committed and actual spend against plan to explain every material variance. Cost centre detail, headcount-linked figures and confidential project economics stay inside the owned ledger rather than a hosted planning suite. Finance gets continuous variance control with no budget data egress.
Expense Categorisation and Auditing
The sovereign brains classify every transaction against the chart of accounts and policy, then flag duplicate, out-of-policy or anomalous expenses for review. Employee expense records, card transactions and the personal data they contain are processed on owned hardware, keeping the function inside GDPR and PCI-DSS without exposing staff spending to a cloud auditor. Expense assurance runs continuously and entirely offline.
Tax Preparation Support
Mickai consolidates the corporate ledgers, reconciles input and output positions, and assembles audit-ready summaries that map directly to filing requirements. The full tax basis, including entity-level financials and the personal data inside payroll-linked entries, stays sealed on owned hardware rather than passing to a hosted tax engine. Every figure traces back through the Open Audit Record, so the preparation is defensible and the data never leaves the building.
Financial Reporting Construction
The offline brains assemble the statutory and management reporting pack, building the profit and loss, balance sheet and supporting notes directly from the ledger. Pre-release financial results, the most market-sensitive data a company holds, are constructed on owned hardware and never staged in a third party reporting cloud. Reporting closes inside the perimeter, sealed to the audit record.
Margin Analysis Per Product and Customer
Mickai allocates revenue and fully loaded cost to the product and customer level, exposing true contribution and the accounts that erode it. Customer-level pricing, contract terms and competitively sensitive margin data stay on owned hardware, never surfacing to a hosted analytics vendor. Commercial teams see where the money is actually made while the underlying economics stay confidential and offline.
Financial Scenario Modelling
The sovereign brains run capital allocation, financing and macro-sensitivity scenarios against the live financial model so leadership can test decisions before committing. Strategic plans, funding intentions and the confidential assumptions behind them are modelled on owned hardware, well inside the SR 11-7 and EU AI Act expectation that a regulated firm can evidence and govern its own models. Boardroom what-if work happens with no scenario data ever leaving the perimeter.
Each service runs in a purpose-built studio. See the whole application surface on all studios, and the eighteen enterprise studios on the sovereign services catalogue.
The advantages hold across every department, and they are architectural, not promotional. The third-party cloud-exposure vector is removed; your own physical, insider and compliance controls remain yours.
Scope inference, extraction, retrieval and storage on infrastructure you control. Document and test any external connector, support channel or transfer before describing a workflow as zero-egress.
Workflows with local models, data and supporting services can continue offline. Live external email, calendars and other services need an approved connection or controlled import, with clear unavailable and pending states.
Map prompts, documents, indexes, logs and backups to their processing and storage locations. Local hosting supports control of location; access, retention and any transfers still need review.
Prepare and classify source records, preserve permissions and evaluate answers against the originals. Retrieval and model training are separate choices; agree data use and licences for each.
Compare hardware and licences alongside integration, power, administration, support, updates, evaluation and recovery. Measure cost at the required workload and quality before claiming savings.
Define who holds keys, who can administer the system and which actions need approval. Test denied requests, revoked access and audit records. Physical security, insider risk and incident response remain operational responsibilities.
Agree version selection, signed update procedures, rollback, data export and licence rights. Reassess requirements as software and obligations change; owning hardware does not remove maintenance or compliance work.
Can you run finance and accounting AI fully on-premise and offline?
Yes. Mickai is a Sovereign Intelligence Operating System that runs the entire finance function on hardware the organisation owns, on-premise and fully offline. Billing, reconciliation, AP and AR, cashflow, reporting and scenario modelling all execute locally, and the general ledger never leaves the building. There is no cloud dependency and no data egress.
How does sovereign on-premise finance AI satisfy GDPR, PCI-DSS and DORA?
Because the ledger, the models and the audit trail stay inside your own perimeter, there is no third party processor handling personal data, cardholder data or bank details, which removes the egress event GDPR and PCI-DSS are most concerned with. For regulated financial firms, keeping the system on owned hardware also addresses DORA and FCA concentration risk, since there is no critical cloud dependency to control or exit. Every action is sealed to a post-quantum Open Audit Record for evidence.
Is every financial figure auditable and explainable?
Yes. Each action the brains take, from an invoice match to a forecast run, is sealed to a post-quantum Open Audit Record on hardware you own. This gives a complete, tamper-evident trail that maps to SR 11-7 model risk governance and EU AI Act expectations, so a regulated firm can evidence exactly how a model reached a number. The logs and the weights are yours, not a vendor's.
What cloud finance tools does the Finance Engine replace?
It displaces the conventional cloud finance stack across billing and reconciliation, AP and AR automation, financial planning and analysis, treasury, reporting and close, profitability analytics and corporate scenario modelling. Each service maps to the Plutus studio inside Mickai. The cloud remains useful for non-regulated work; Mickai is the answer for the regulated-data boundary where the ledger cannot leave the building.
Is this a per-seat or per-token subscription?
No. Mickai is an owned asset, acquired as capital expenditure rather than a recurring cloud subscription. There is no per-seat, per-token or per-credit metering, because the system runs on hardware you own and the models run offline. The finance team can scale usage without a metered bill following every transaction.
How does Mickai handle finance work without an internet connection?
The sovereign brains, the ledger and the audit record all reside on the customer's own hardware, so the Finance Engine functions with no external connectivity at all. Bank statement feeds and other inputs are ingested locally and processed in place. This is what makes the function genuinely sovereign: the data never leaves the building, even momentarily.
Bring the finance engine pack in-house.
Briefings are for organisations weighing a sovereign, on-premise deployment. Tell us about your estate and we will walk the services, the regulatory crosswalk and the deployment that fits.