Introducing Finoby Adopt AI

Ask your money anything.

Fino is the always-on CFO for small businesses. It watches every account, tells you what changed, and answers anything about your money. Free, from Adopt AI.

Free forever
No credit card
Read-only bank access

01 · Ask

One place to ask about all of your money.

Fino reads every transaction across your banks, cards and QuickBooks. Ask in plain English. Every answer links to the transactions behind it.

Finochecked 4 min ago

What's our runway, and what changed this month?

You have 11.4 months of runway: $960,400 across Operating ••4417 and Savings ••2210, against October net burn of $84,200.

Burn rose 18% from September. AWS went up $6,100, and you paid a new contractor, Northbeam Studio, $7,500.

Sources:412 transactions · Oct 1 to Oct 31

Example data

02 · Always on

Fino tells you what changed before you think to ask.

Next check inevery 30 minutes

Recent checks · Example

09:30Checked 3 accounts. Nothing new.
10:00New vendor: Northbeam Studio, $7,500.
10:30Matched 12 transactions to receipts.
11:00Vercel charged twice. Flagged.
11:30Halden Foods invoice hit 41 days late.
12:00Reconciled Operating ••4417.

Monday brief · Example

Your week in money

Cash: $960,400; −$19,800
Burn, Oct: $84,200
Runway: 11.4 mo

Looks off
Two Vercel charges on Nov 6, $1,240 each.Same amount, same day. Likely a duplicate.
New vendor
Northbeam Studio, $7,500.Suggested: Contractors. Confirm once and Fino remembers.
Late
Halden Foods, invoice #1042, 41 days overdue.Reminder drafted. You decide if it goes.
Needs you
14 transactions need a category.About 3 minutes.
Good news
Software spend down $640.The two tools you cancelled stopped billing.

03 · Connect

All your money. One Fino.

Connect once with read-only access. Your bank, cards and accounting system stay exactly where they are.

Connectors: Bank accounts (10,000+ through Plaid), credit cards, QuickBooks Online, Xero, NetSuite, Sage, Ramp, Brex, Stripe, statements and spreadsheets

See all integrations

04 · Trust

Fino can look. It can't touch.

Read-only.
Bank and card connections can see transactions. Nothing more.
Never moves money.
Fino has no way to pay anyone or send a transfer.
You approve first.
Nothing posts to your books without your sign-off.
Traced to source.
Every number links back to the transaction behind it.

05 · Price

$0

Forever. Not a trial.

One business. Unlimited users. Up to 100 agent outcomes a month.

Start free with Fino

Ask Fino anything about your connected accounts
A Monday brief with alerts on unusual spend
Every transaction categorized, with the reason shown
Monthly reconciliation and a live P&L
Cash forecast and runway
Reminders drafted for late invoices

Want it handled for you? Adopt's agents plus our team run the books, priced by work completed.

06 · Questions

What founders ask first.

Is Fino really free?

Yes. Fino is Adopt AI's free plan for one business, with unlimited users and no credit card. Adopt earns money when a business wants its agents and team to run more of the finance work.

Can Fino move money or pay bills?

No. Bank and card connections are read-only, and Fino has no way to send payments. Nothing posts to your books until you approve it.

Do I need an ERP?

No. Fino works from your bank accounts and cards alone. If you already run an accounting system or ERP, such as QuickBooks Online, Xero, NetSuite or Sage, connect it and Fino works on top of it.

Does Fino replace my accountant?

Fino keeps you on top of your money every week and gets your books in shape. If you want the books, and soon your taxes, handled for you, that's Adopt with our team.

What's the difference between Fino and Adopt AI?

Adopt AI is AI native accounting and bookkeeping software. Fino is its free plan for founders and small teams: the same agents, packaged as one assistant that watches your money and answers your questions.

Is it safe to connect my bank account to Fino?

Yes. Fino connects to your bank and cards through Plaid with read-only access, so it can see transactions and balances and nothing more. It has no way to move money, pay a bill or send a transfer. Nothing is posted to your books until you approve it, and Adopt never trains AI models on your data. You can disconnect an account at any time.

How long until Fino tells me something useful?

Minutes, not weeks. Once your bank is connected, Fino pulls your transaction history and shows your cash, burn and runway, plus anything that already looks off, like duplicate charges or new vendors. Categorizing every transaction takes longer. Fino handles most of it on its own and asks you about the rest, and the answers get sharper as it learns your business.

Meet Fino.

Connect your bank in about five minutes. Your first Monday brief arrives the week after.