Kosh AI
AI-first treasury and cash forecasting platform with ML-based liquidity management and predictive cash positioning.
Kosh AI is an AI-first treasury and financial reconciliation platform designed for finance teams managing complex, multi-source payment and liquidity operations. The platform automates reconciliation across order management systems, payment gateways, banks, accounting systems, and ERPs—eliminating manual data matching and reducing reconciliation time by up to 90%. Its core capabilities include ML-based transaction matching and auto-categorization, real-time reconciliation from any data source, automated payouts with custom rules, multi-bank account management from a single dashboard, and automatic ledger posting to accounting systems. Beyond reconciliation, Kosh AI provides treasury insights and compliance reporting at the transaction level, enabling teams to track cash positions and liquidity needs with 100% accuracy. The platform requires no coding to set up and is built for high-volume, multi-currency environments—particularly suited to Web3 companies, payment aggregators, and retail operations where transaction complexity and audit requirements are high. Customers report a 99% reduction in manual reconciliation hours and 65% cost savings, with pricing available on request.
Privacy Policy states data is used for 'research, analysis and development activities (including but not limited to data
No training opt-out mechanism was identified in the legal documents.
High risk across multiple dimensions. Only use with public, non-sensitive data.
Privacy Policy states data is used for 'research, analysis and development activities (including but not limited to data analytics, surveys and/or profiling)' and feedback/suggestions can be incorporated into services. However, no explicit statement about training AI models on user content. Moderate risk due to ambiguous language around development activities.
“conduct research, analysis and development activities (including but not limited to data analytics, surveys and/or profiling) to improve Our Service(s)”
Terms grant Kosh broad rights to user feedback and suggestions. Section 4.2 states 'We shall have a right and license to incorporate into the Services or otherwise use any suggestions, enhancement requests, recommendations or other feedback.' This is very broad and could extend to customer data.
“We shall have a right and license to incorporate into the Services or otherwise use any suggestions, enhancement requests, recommendations or other feedback”
Extensive third-party sharing disclosed. Privacy Policy Section 4 permits sharing with 'group companies and third-party service providers,' credit agencies, marketing partners, and for law enforcement. Terms Section 5.1 disclaims liability for third-party services. Sharing is broad and not limited.
“We will share Your Personal Data with Our group companies and third-party service providers so that they may offer You Our Service(s)”
Terms specify 60-day retention after termination (Section 7.5), after which data 'may' be deleted. Privacy Policy (Section 6) uses vague language: 'retain where ongoing legitimate business requires retention' with no specific timeframes. Users cannot request deletion during active use.
“We retain the Personal Data collected where an ongoing legitimate business requires retention of such Personal Data”
Terms Section 4.2 clearly states: 'You own the rights to the Customer Data that You provide to Us. We do not claim ownership over such Customer Data.' IP ownership is explicitly retained by user. This is favorable.
“You own the rights to the Customer Data that You provide to Us. We do not claim ownership over such Customer Data”
Privacy Policy mentions GDPR compliance (Section 8 for EEA residents, Section 5 on international transfers) and references 'applicable data protection laws.' However, no mention of SOC2, HIPAA, or ISO certifications. Compliance is partial and limited to GDPR.
“We will ensure that the recipient of Your Personal Data offers an adequate level of protection that is at least comparable to that which is provided under applicable data protection laws”
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