Summary

• Plinto has raised €2.9m in pre-seed financing from People Ventures, Emblem and business angels to develop its financial controls platform.
• Its AI agents compare invoices, orders and payments with contracts, budgets and policies, then investigate discrepancies and prepare or undertake approved corrective actions.
• The company reports paying customers in several industries, although broader financial savings and detection accuracy have not been independently established.

Copenhagen-based Plinto has raised €2.9 million to expand software that uses artificial intelligence agents to check business transactions against contracts and internal financial rules, seeking to identify errors before they become losses or require lengthy reconciliation.

The pre-seed financing, announced on 20 October, came from People Ventures, Emblem and a group of business angels. Plinto will use the investment to develop its platform, expand its enterprise customer base and begin entering markets beyond Denmark.

Founded in early 2025 by Nermina Suljevic, Jakob Nielsen and Sebastian Rehnby, the company is developing software that connects with existing accounting, banking, procurement and communication systems.

Rather than replacing an organisation’s enterprise resource planning platform, Plinto’s agents examine transactions against the agreements and policies governing them. When information does not match, the software is designed to investigate the discrepancy, collect supporting evidence and coordinate corrective actions.

Financial controls move closer to the transaction

Businesses record invoices, orders and payments through established financial systems, but maintaining those records does not guarantee that every transaction complies with the commercial agreement behind it.

A supplier invoice may contain an outdated price, charge for goods not covered by the original order or duplicate a payment request already processed under slightly different information.

Identifying such problems can involve comparing accounting entries with purchase orders, contracts and communications held in different systems. Finance teams often perform these checks through a combination of automated rules, manual reviews and periodic reconciliation.

Plinto is attempting to move more of that work into the transaction process itself, allowing checks to run as records are created or payments are prepared.

The company says its agents monitor invoices, purchases and payments against budgets, contractual terms and internal policies. They can investigate discrepancies using information from connected systems before presenting findings or initiating approved next steps.

Earlier identification can reduce the administrative effort associated with correcting records after payment, although the benefit depends on whether the underlying information is sufficiently complete and accurate.

Contracts may contain negotiated exceptions, price changes or conditions that are recorded outside the main financial system. An agent must distinguish those legitimate differences from transactions that genuinely breach an agreed rule.

That requires more than matching invoice numbers or comparing totals. The software needs access to relevant supporting records and an appropriate method of interpreting how they relate to each other.

Agents investigate discrepancies across systems

Plinto says its platform can connect with enterprise resource planning software, document repositories, banking services and workplace applications including Microsoft Teams and Slack.

The integrations allow an agent to retrieve records needed to investigate a transaction, rather than relying exclusively on information available within a single accounting application.

When an invoice appears inconsistent with agreed terms, the system can gather evidence, contact a supplier, request a credit note or prepare an adjustment. Plinto also describes capabilities for making corrections within connected enterprise systems, subject to the customer’s configured controls.

These functions extend financial automation from identifying an exception into parts of the work required to resolve it.

Traditional transaction controls may generate alerts that employees then investigate manually. An agent capable of retrieving documents and communicating with the relevant parties could reduce that follow-up work where the records and required actions are sufficiently clear.

Plinto reports that its platform identifies approximately 430 discrepancies each month within one business area at an existing customer. In another example, the company says the software detected a duplicate invoice submitted under a different supplier name shortly after it arrived, before a second payment was made.

Those accounts provide examples of how the technology is being used, but the company has not published independently verified figures establishing overall detection accuracy or financial returns.

Not every discrepancy represents an avoidable loss. Some findings may involve incomplete records or legitimate commercial exceptions, while other problems might have been identified by existing controls before payment.

A meaningful assessment of performance would distinguish confirmed errors from false alerts, record the value of losses prevented and measure the staff time needed to review the software’s findings.

Permissions determine how much work agents can perform

Allowing software to investigate transactions creates different governance requirements from permitting it to alter financial records or communicate instructions to suppliers.

An agent retrieving an invoice and checking a price presents a relatively limited operational risk. Changing an accounting entry, requesting a credit note or initiating a financial action can affect other records and business relationships.

Plinto describes its platform as taking approved actions. Organisations deploying the software will need to establish which activities can be automated, which require employee authorisation and how the resulting decisions are recorded.

Finance functions already use segregation of duties to reduce the risk of errors and misuse. The people who approve expenditure, authorise payments and reconcile accounts may have different responsibilities, even where those processes use the same underlying software.

Introducing AI agents must preserve appropriate distinctions between those functions. A single automated process should not gain broader financial authority simply because it can complete several related tasks.

Implementation also requires reliable permissions across connected systems. An agent may need access to relevant invoices and supplier contracts without receiving unrestricted access to payroll information, unrelated customer records or banking functions.

Activity logs and approval records become important for investigating unexpected changes. Staff need to establish what information an agent used, which rule it applied and whether a subsequent correction was properly authorised.

Plinto says customer information is processed and stored within the EU and is not used to train AI models. Its published product documentation also states that ISO 27001 certification is underway, rather than already completed.

These statements provide a starting point for supplier assessment. Customers handling sensitive financial information will still need to examine contractual commitments, access controls, independent assurance and incident response arrangements against their own requirements.

Enterprise adoption brings integration demands

Plinto reports paying customers and pilot projects across logistics, real estate, facility services and food production. These industries can involve substantial supplier expenditure and transactions spread across operational and financial systems.

However, the structure of those processes differs between companies. A logistics business may need to reconcile transport charges against contractual rates, while a property operator may examine maintenance invoices, supplier approvals and expenditure associated with individual buildings.

Supporting those differences can require customer-specific rules and reliable mappings between records. The software must also accommodate changes in suppliers, contracts and business procedures after deployment.

Plinto’s approach avoids wholesale replacement of the systems already used by customers, potentially reducing one source of implementation difficulty. It nevertheless depends on interfaces remaining available and on information being recorded in a consistent enough form for automated controls to operate.

Integration costs, exception handling and the extent of manual review will influence whether customers achieve useful reductions in workload.

The funding comes as established accounting and enterprise software vendors are incorporating additional automation into financial workflows. Plinto’s proposed distinction is its use of agents to investigate discrepancies and coordinate corrections across systems, rather than performing checks solely within an individual application.

That model could appeal to businesses with complex supplier relationships and high transaction volumes, provided its controls operate reliably and do not create excessive alerts or incorrect adjustments.

International expansion will introduce further requirements concerning accounting practices, banking integrations and commercial documentation. The company will need to adapt its platform to those environments while maintaining consistent controls over automated actions.

The €2.9 million round gives Plinto resources to pursue that development and expand beyond its initial Danish market. Evidence of broader adoption will come from paying customer deployments, measured error detection and independently assessed savings in transaction processing and financial reconciliation.