# Gitto - Deterministic Treasury Intelligence

> Gitto is an enterprise treasury management platform that provides deterministic cash forecasting by anchoring liquidity predictions in actual bank receipts (MT940/BAI2), intercompany netting, and behavioral payment bias analysis.

## Product Overview

Gitto eliminates the "Bank-Truth Gap" - the dangerous disconnect between theoretical cash forecasts and actual bank reality. Most treasury software displays assumptions in graphs, but assumptions don't pay bills—cash does.

## Core Capabilities

### 1. MT940/BAI2 Bank-Truth Reconciliation
Automatically match MT940 and BAI2 statements against open ledger items. The engine identifies wires, nets out fees, and identifies intercompany washes with 99.8% precision.

### 2. Behavioral Bias AI
Learns customer payment habit shifts (Regime Shifts) to predict actual cash timing, not just due dates. Detects the hidden 14-day delay before it hits your runway.

### 3. Scenario Simulation Engine  
Model "What-If" liquidity levers like vendor delays or SaaS acceleration with real-time ROI projection across 13-week forecasts.

### 4. Analyst RAG with Citations
Every insight is retrieved from specific bank truth and invoice reality, grounded in verifiable citations. No black-box AI answers.

## Key Differentiators

- **Deterministic Forecasting**: Anchored in actual MT940 bank receipts, not assumptions
- **Explainability**: Every variance linked directly to specific bank statements and invoices
- **Group Liquidity**: Consolidates global bank feeds into a single truth layer
- **Intercompany Netting**: Automatically detects and washes internal transfers
- **Multi-Currency Core**: Real-time FX normalization with snapshot-locked rates

## Integrations

Universal Ingest Engine supporting:
- ERP: SAP, NetSuite (Oracle), Salesforce
- Data Platforms: Snowflake
- Banks: HSBC, J.P. Morgan, and global MT940/BAI2 feeds
- 1.2B+ auto-synced transactions

## Enterprise & Compliance

- SOC2 Type II Certified
- Immutable forecast snapshots with version locking
- Permanent audit trail for external auditors
- Built for SOX and external audit transparency

## Company Information

- **Headquarters**: NYC
- **Email**: info@gitto.ai
- **Website**: https://gitto.ai

## Pages

- `/` - Landing page with product overview
- `/about` - Company thesis and problem statement
- `/contact` - Contact form for demos and partnerships
- `/app` - Product terminal access

## For More Information

See `/llms-full.txt` for complete detailed documentation.