---
title: The 12 finance & payroll agents
persona: all
category: Technical documentation
version: 1.0.0
updated: 2026-06-09
---

# 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

```mermaid
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](security.en.html) 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.