The 12 agents · finance and payroll

MyFinAI runs on the Lopettia Agent Framework (LAF): a family of twelve agents with a single persona —Felipe, the financial copilot— that cover the full money cycle, from capture to close. Each agent has an archetype, a place in the flow and a bounded scope. They work for the team; they don't replace it.

The cycle

flowchart LR
  Lente --> Libro --> Espejo --> Mayor
  Cobro & Mecenas & Salario & Fisco --> Mayor
  Caudal & Guardian & Norte -.observe.- Mayor
  Conclave((Cónclave)) --- Lente & Cobro & Salario & Fisco

The catalog

Agent	Archetype	What it does in the business	At home
Cónclave	Orchestrator (core)	Detects financial intent and routes to the specialist	The same: coordinates the others
Lente	Capture / OCR	Reads receipts, bank and card and creates the transaction	Captures household charges
Libro	Accounting	Proposes the account and builds the double-entry journal entry	Categorizes household spending
Espejo	Reconciliation	Matches the ledger against the bank statement	Reconciles the household accounts
Cobro	Accounts receivable	Prioritizes which invoices to chase and when	—
Mecenas	Accounts payable	Flags due dates and early-payment discounts	Mortgage, utilities, subscriptions
Salario	Payroll	Calculates gross, withholdings and net of each run	The income coming into the household
Fisco	Taxes	Prepares IVU, 941 and due dates from the ledger	The personal tax return
Caudal	Cash flow	Projects inflows and outflows week by week	The savings goals
Guardián	Fraud / anomalies	Flags duplicate charges or unknown merchants	Card fraud and zombie subscriptions
Norte	NL assistant + health	Answers in natural language by reading the ledger	The household's health
Mayor	Close and audit	Balances the trial balance, seals the close and the hash chain	The month-end close at home

How they work

Deterministic first. Each agent resolves with rules over the ledger; the AI

(Claude) *polishes* the answer when a key is available. Without a key, the system keeps operating.

Traceable. Each run is recorded in agent_runs with its model, input,

output and cost. Nothing happens outside the record.

Bounded by role and by tenant. An agent only sees the ledger of the active

workspace, and only authorized roles invoke it. Norte, for example, returns 403 to an employee: the books aren't pulled out through chat.

Read-only, for now. In this version the agents inform and propose; moving

money (issuing, paying, running payroll) goes through a person. The path to giving them tools with human approval (HITL) and a spending cap is described in Security and in api/AUDIT.md.

The same family, two contexts

The twelve agents are the same in the business and in the home; they're only relabeled. Mecenas pays suppliers at the café and the mortgage at home; Salario runs the business payroll and records the family income. A single financial intelligence, put at the service of both sides of a person's economic life.

The live profile of each agent (archetype, model, status) is served in the

Agents section of the console and is cataloged in the AIaaSAgents

repository as the *Finanzas & Nómina* vertical.