Inspiration

47 million small businesses in the US operate without a CFO. 82% of business failures are caused by poor cash flow management. A real CFO costs $300,000 per year — completely out of reach for small business owners. We built Ghost CFO to change that forever.

What it does

Ghost CFO is an autonomous multi-agent AI system that acts as a full-time CFO for small businesses — not by giving advice, but by taking real financial actions on their behalf.

It does 4 things automatically:

  • Forecasts cash crises 45 days early with week-by-week predictions
  • Detects financial danger with a Crisis Score from 0-100
  • Hunts government grants by literally navigating grants.gov live using Amazon Nova Act browser automation
  • Negotiates with suppliers by drafting and sending real emails autonomously via Gmail

When the Crisis Score exceeds 70, Ghost CFO activates all recovery agents automatically — no human input required.

How we built it

Ghost CFO is built on a multi-agent architecture powered entirely by Amazon Nova 2 Lite and Amazon Nova Act:

  • Orchestrator Agent (Nova 2 Lite) — reads the financial situation and routes tasks to specialist agents
  • Cash Flow Agent (Nova 2 Lite) — ingests CSV transaction history, generates 45-day forecast
  • Crisis Predictor(Nova 2 Lite) — scores danger 0-100, triggers recovery automatically
  • Grant Hunter (Nova Act) — navigates grants.gov live in a real browser, finds matching grants
  • Supplier Negotiator (Nova Act + Nova 2 Lite) — drafts and sends real negotiation emails via Gmail

Backend: FastAPI on AWS EC2. Frontend: Streamlit dashboard with Plotly charts. All agents communicate through structured JSON.

Challenges we ran into

  • Amazon Nova 2 Lite requires cross-region inference profiles — the model ID fix from amazon.nova-2-lite-v1:0 to us.amazon.nova-lite-v1:0 was our first major breakthrough
  • Nova Act browser sessions are non-deterministic — government websites change layouts frequently, requiring robust fallback logic
  • Wiring 5 agents together without race conditions required careful pipeline architecture and retry logic throughout
  • Getting Nova 2 Lite to return consistently valid JSON required extensive prompt engineering ## Accomplishments that we're proud of
  • Built a system that takes REAL actions — not just generates advice
  • Nova Act navigating a live government website autonomously is something no other team attempted
  • The autonomous email sending via Gmail with zero human input
  • Crisis Score triggering automatic recovery across all agents simultaneously
  • A dashboard that looks and feels like a real financial product ## What we learned
  • Amazon Nova Act is genuinely revolutionary — browser automation at this level changes what AI can do in the real world
  • Multi-agent orchestration is harder than single-model solutions but infinitely more powerful
  • Prompt engineering is as important as Python logic — the system prompt IS the agent's brain
  • RAG (injecting real CSV data into prompts) makes the model reason over actual business data, not hallucinations

What's next for Cashseer

  • Connect to Plaid API for automatic bank transaction sync
  • Expand Nova Act to file grant applications automatically
  • Add tax optimization agent and payroll management agent
  • Mobile app for real-time crisis alerts
  • Target: replacing all 10 core CFO functions for under $1/month

Built With

  • amazon-nova-2-lite
  • amazon-nova-act
  • aws-bedrock
  • aws-ec2
  • fastapi
  • langchain
  • pandas
  • plotly
  • python
  • streamlit
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