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-v1:0tous.amazon.nova-lite-v1:0was 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
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