Zeni's platform is built around AI Agents — an AI CFO Agent for financial strategy and forecasting, and an AI Accountant Agent for journal entries, reconciliations, and accuracy checks. The system ingests data from connected bank accounts, credit cards, and payment processors, applying AI to auto-categorize and process transactions in real time. The platform is SaaS-based with no self-hosting option, and exposes a unified financial dashboard with GAAP-compliant reporting. It also offers embedded financial services including FDIC-insured business checking (up to $3M coverage, up to 2.90% APY), a business credit card, debit card, AI bill pay with same-day ACH, and automated employee reimbursements.