Implementation guide — Family — personal finances

Country: Brazil is Tenka's in-production country: invoicing, payroll and banking work through the country's adapters.

1. 1
   Tenant settings

   account menu (your avatar, at the right end of the top bar)›Tenant settings

   ✓What to check: legal name, CNPJ, state and municipal registration and the tax regime — they appear on every invoice · Who does it: Account administrator · Time: 15 min
2. 2
   Outbound e-invoice (NF-e)

   Deliver›Sales and shipping›Outbound e-invoice (NF-e)

   ✓What to check: a test invoice in the test environment, with key, protocol and status · Who does it: Finance · Time: 30 min
3. 3
   Tax assessment

   Receive›Up to date with the government›Tax assessment

   ✓What to check: the month's tax assessment checked by the accountant before paying the payment slip · Who does it: Accountant · Time: 30 min
4. 4
   eSocial

   Open in the systemSee the screen help

   Receive›Up to date with the government›eSocial

   ✓What to check: the payroll events checked before sending · Who does it: Accountant · Time: 30 min
5. 5
   Connected accounts

   Receive›Money on the move›Connected accounts

   ✓What to check: if the bank has Open Finance, the connected account: the statement and balance arrive on their own; the bank account connected through Open Finance, if the bank offers it; if the bank has Open Finance, connect the account: the statement and balance start arriving on their own · Who does it: Finance, Whoever looks after the household accounts · Time: 50 min

How to make up for the missing adapter

• Service invoice in a city hall that the issuer does not cover yet: issue it on the city hall's portal and record the invoice number on the receivable — finance and margin do not depend on the issuer.
• Bank without Open Finance: import the statement (OFX or CSV) in Bank reconciliation once a week.

Operation format: The finances of a person or family: cards, accounts, investments and net worth. Your industry's block and the modules' blocks bring the rest.

1. 6
   Credit cards

   Registers and settings›Finance›Credit cards

   ✓What to check: each card with its limit, closing day and due day · Who does it: Whoever looks after the household accounts, Finance · Time: 35 min

What this module does: The operation of money: transactions, reconciliations, approvals, renegotiation, closing, accounts and financial registers.

The steps below apply to every company that uses the module; your industry's block adds what is specific to your operation.

1. 7
   Bank accounts

   Registers and settings›Finance›Bank accounts

   ✓What to check: each account with the opening balance at the cutoff date; each family account with today's balance · Who does it: Finance · Time: 25 min
2. 8
   Financial categories

   Registers and settings›Finance›Financial categories

   ✓What to check: start with the defaults and separate the revenues and costs you want to see · Who does it: Finance · Time: 20 min
3. 9
   Recurring entries

   Receive›Money on the move›Recurring entries

   ✓What to check: what repeats: salary, rent, school, electricity. Each rule generates the entry by itself every month · Who does it: Finance · Time: 20 min
4. 10
   Profit centers

   Registers and settings›Finance›Profit centers

   ✓What to check: one per activity whose margin you want to see separately · Who does it: Finance · Time: 20 min
5. 11
   Suppliers

   Registers and settings›Finance›Suppliers

   ✓What to check: import the supplier list (name, tax ID, email); the partner who buys with their own card (1.103.0) is a supplier, with their tax ID and "Partner who gets reimbursed" checked · Who does it: Finance · Time: 20 min
6. 12
   Categorization rules

   Registers and settings›Finance›Categorization rules

   ✓What to check: "shell gas station" becomes Fuel, "hapvida" becomes Health: the imported entry already arrives in the right category · Who does it: Finance · Time: 20 min
7. 13
   Card statements

   Registers and settings›Finance›Card statements

   ✓What to check: the statements of each card by month: open (summing expenses) and closed (became a payable) · Who does it: Finance · Time: 20 min
8. 14
   Annual household bills

   Registers and settings›Finance›Annual household bills

   ✓What to check: vehicle tax, property tax, insurance, school supplies: the year's amount becomes "set aside this much per month" in the budget · Who does it: Finance · Time: 20 min
9. 15
   Exchange rates

   Receive›Money on the move›Exchange rates

   ✓What to check: the exchange contract for payment to the exporter · Who does it: Finance · Time: 20 min
10. 16
    Household debts

    Registers and settings›Finance›Household debts

    ✓What to check: financing, loans and revolving card credit, with balance, interest and the payoff plan · Who does it: Finance · Time: 20 min
11. 17
    Investments

    Registers and settings›Finance›Investments

    ✓What to check: savings, CDB, Treasury, funds, stocks and pension, with the position of each investment · Who does it: Finance · Time: 20 min
12. 18
    Card acquirer reconciliation

    Receive›Money on the move›Card acquirer reconciliation

    ✓What to check: the card machine statement matched to each sale · Who does it: Finance · Time: 20 min
13. 19
    Approvals

    Receive›Money on the move›Approvals

    ✓What to check: who approves payment in each company · Who does it: Finance · Time: 20 min
14. 20
    Net worth

    Registers and settings›Finance›Net worth

    ✓What to check: accounts + investments + assets − statements and debts: the family's net worth on one screen · Who does it: Finance · Time: 20 min
15. 21
    The household's future

    Receive›Finance›The household's future

    ✓What to check: the estimate: saving X per month, when you reach Y, and how long the wealth lasts · Who does it: Finance · Time: 20 min
16. 22
    Bank reconciliation

    Receive›Money on the move›Bank reconciliation

    ✓What to check: import the month's OFX, let it reconcile on its own and check what is left; import the month's statement, let it reconcile on its own and check what is left · Who does it: Finance · Time: 25 min
17. 23
    Financial transactions

    Receive›Money on the move›Financial transactions

    ✓What to check: the receivables and payables that sales and purchases generated in the first cycle · Who does it: Finance · Time: 20 min
18. 24
    Rental contracts

    Registers and settings›Finance›Rental contracts

    ✓What to check: each rented property: tenant, value, due date, term, adjustment index and guarantee · Who does it: Finance · Time: 20 min
19. 25
    Financial alerts

    Know›The cash desk›Financial alerts

    ✓What to check: check proactive watch over the result · Who does it: Finance · Time: 10 min
20. 26
    Center structure

    Registers and settings›Finance›Center structure

    ✓What to check: organize the profit centers into areas/groups with N levels · Who does it: Finance · Time: 15 min
21. 27
    Treasury contracts

    Know›The cash desk›Treasury contracts

    ✓What to check: check the company's loans, financing and investments · Who does it: Finance · Time: 10 min
22. 28
    Monthly closing

    Receive›Money on the move›Monthly closing

    ✓What to check: closes the period · Who does it: Finance · Time: 15 min
23. 29
    Health Score

    Open in the systemSee the screen help

    Know›Explore›Health Score

    ✓What to check: check 0–10 index of financial health (liquidity, margin, growth, concentration, default, runway) with calculation record of… · Who does it: Finance · Time: 10 min
24. 30
    IFRS map — review categories

    Know›Explore›IFRS map — review categories

    ✓What to check: check review of the map linking each financial category to the IFRS balance sheet line: what was classified with certainty, what… · Who does it: Finance · Time: 10 min
25. 31
    Category structure

    Registers and settings›Finance›Category structure

    ✓What to check: organize the categories into packages/groups with N levels · Who does it: Finance · Time: 15 min
26. 32
    Renegotiations

    Receive›Money on the move›Renegotiations

    ✓What to check: debt renegotiation agreements closed through the customer portal (self-service) or proposed by the collection agent · Who does it: Finance · Time: 15 min
27. 33
    Partner balance

    Receive›Money on the move›Partner balance

    ✓What to check: the business partner's current account · Who does it: Finance · Time: 15 min
28. 34
    Receivable and payable types

    Registers and settings›Finance›Receivable and payable types

    ✓What to check: types of financial instrument · Who does it: Finance · Time: 15 min
29. 35
    Retailer fines

    Receive›Money on the move›Retailer fines

    ✓What to check: each retailer fine with the cause, the document and the receivable it was deducted from · Who does it: Finance · Time: 15 min

What this module does: Your company's assistant and its governance: what it knows, where it speaks, what it can decide on its own — and the trail of everything it answered.

The steps below apply to every company that uses the module; your industry's block adds what is specific to your operation.

Who it is for: whoever wants to put the Tenka agents to work — the Reconciler, the Buyer, assisted closing, receipt forecast, scheduled questions — with rules written by the company and control over how much each agent can do on its own.

What you have at the end: Tenkai knowing how your company talks, the policies applying to every decision, each agent at the autonomy level you chose and the accountability of each: what it saw, what it decided and how much it saved.

Rhythm: 3 weeks. In each step there are two buttons: Open in the system and See the screen's help, both in a new tab.

1. 36
   Data Tenkai cannot see

   Registers and settings›Platform and security›Data Tenkai cannot see

   ✓What to check: the fields that never go to the AI (Tenkai still knows they exist, so it can say it cannot read them) · Who does it: Account administrator · Time: 15 min
2. 37
   Tenkai channels

   Registers and settings›Platform and security›Tenkai channels

   ✓What to check: what Tenkai can do outside the platform: WhatsApp, email, external agent · Who does it: Account administrator · Time: 15 min
3. 38
   Company policies

   Improve›Digital employees›Company policies

   ✓What to check: the rules in plain language: "up to 5% discount the salesperson decides; above that it goes to the manager" · Who does it: Account administrator · Time: 15 min
4. 39
   Digital employees

   Improve›Digital employees›Digital employees

   ✓What to check: the showcase: choose the first agent — almost always the Reconciler · Who does it: Account administrator · Time: 15 min
5. 40
   Agent autonomy

   Improve›Digital employees›Agent autonomy

   ✓What to check: each step in SUGGEST (only writes), REVIEW (prepares and you confirm) or EXECUTE — start at SUGGEST · Who does it: Account administrator · Time: 15 min
6. 41
   Digital Reconciler

   Improve›Digital employees›Digital Reconciler

   ✓What to check: import the statement and see the matches the agent proposes · Who does it: Account administrator · Time: 15 min
7. 42
   Agents inbox

   Improve›Digital employees›Agents inbox

   ✓What to check: everything the agents expect from you, in one place · Who does it: Account administrator · Time: 15 min
8. 43
   Tenkai context

   Registers and settings›Platform and security›Tenkai context

   ✓What to check: what Tenkai needs to know about the company, written once; the house glossary: what the acronyms mean, what you call the customer, the product, the department · Who does it: Account administrator · Time: 15 min
9. 44
   Scheduled questions

   Improve›Digital employees›Scheduled questions

   ✓What to check: the question that becomes a report: "send me the cash every Monday at 8am" · Who does it: Account administrator · Time: 15 min
10. 45
    Tenkai decision trail

    Improve›Digital employees›Tenkai decision trail

    ✓What to check: decision by decision: what the agent saw, what it decided and why · Who does it: Account administrator · Time: 15 min
11. 46
    Digital employees office

    Improve›Digital employees›Digital employees office

    ✓What to check: all agents side by side: status, runs in the month, how much they saved and how much they cost · Who does it: Account administrator · Time: 15 min
12. 47
    Assisted closing

    Improve›Digital employees›Assisted closing

    ✓What to check: the month-end closing checklist generated and measured in the database · Who does it: Account administrator · Time: 15 min
13. 48
    Tenkai Transparency Center

    Improve›Digital employees›Tenkai Transparency Center

    ✓What to check: each agent's scoreboard: what it earned, what it cost, what it got wrong; the confidence of each answer and the policy for when the agent hands over to a person · Who does it: Account administrator · Time: 15 min
14. 49
    Receipt forecast

    Improve›Digital employees›Receipt forecast

    ✓What to check: on which day each invoice should come in and the chance of delay · Who does it: Account administrator · Time: 15 min
15. 50
    Tenka Council

    Improve›Digital employees›Tenka Council

    ✓What to check: the decision ritual with the agenda ready (business health, goals traffic light, month's result) and the minutes · Who does it: Account administrator · Time: 15 min
16. 51
    Tour 360

    Open in the systemSee the screen help

    Improve›Digital employees›Tour 360

    ✓What to check: the guided tour tailored to your industry: garment manufacturing, textile chain, software house or services · Who does it: Account administrator · Time: 15 min
17. 52
    Daily queue

    Improve›Digital employees›Daily queue

    ✓What to check: what needs attention today, in a single list: what is due, what is stuck and what is waiting for you; each person's list for the day: what is due, what is stuck and what an agent left for you to decide · Who does it: Account administrator · Time: 15 min
18. 53
    Tenka showcase

    Improve›Digital employees›Tenka showcase

    ✓What to check: what else Tenka does for your industry, what is already in your plan and what requires a module · Who does it: Account administrator · Time: 15 min
19. 54
    Sharing with the partner

    Registers and settings›Platform and security›Sharing with the partner

    ✓What to check: what your account shares with the partner whose benefits program brought it here · Who does it: Account administrator · Time: 15 min
20. 55
    Knowledge by screen

    Improve›Platform and security›Knowledge by screen

    ✓What to check: check what the AI should know about each screen IN your company · Who does it: Account administrator · Time: 10 min
21. 56
    MCP Server

    Open in the systemSee the screen help

    Registers and settings›Platform and security›MCP Server

    ✓What to check: connect an AI agent (your company's Claude/ChatGPT) to the tenant's governed context · Who does it: Account administrator · Time: 15 min
22. 57
    AI usage

    Registers and settings›Platform and security›AI usage

    ✓What to check: Tenkai usage and cost per month · Who does it: Account administrator · Time: 15 min
23. 58
    Tenkai learning

    Improve›Digital employees›Tenkai learning

    ✓What to check: check what Tenkai usage taught, turned into a SUGGESTION for you to approve with one click · Who does it: Account administrator · Time: 10 min
24. 59
    Bring in what you already have

    Improve›Digital employees›Bring in what you already have

    ✓What to check: check uploads the XMLs of the invoices the company has already received and turns what is inside them into registration proposals · Who does it: Account administrator · Time: 10 min
25. 60
    Digital Buyer

    Improve›Digital employees›Digital Buyer

    ✓What to check: check the digital employee that replenishes inventory before it runs out · Who does it: Account administrator · Time: 10 min
26. 61
    Create an agent by chatting

    Improve›Digital employees›Create an agent by chatting

    ✓What to check: check the customer writes in plain language what they want · Who does it: Account administrator · Time: 10 min
27. 62
    Board table

    Improve›Digital employees›Board table

    ✓What to check: check bring a strategic question to the table · Who does it: Account administrator · Time: 10 min
28. 63
    Tenkai action plans

    Improve›Digital employees›Tenkai action plans

    ✓What to check: check ask in one sentence ("collect the 12 overdue ones") and see THE PLAN before anything goes out · Who does it: Account administrator · Time: 10 min
29. 64
    Tenkai watch

    Improve›Digital employees›Tenkai watch

    ✓What to check: check what Tenkai found on its own and nobody has resolved yet · Who does it: Account administrator · Time: 10 min

How the menu is organized (read before you start) (Tenkai module)

The agents live in Improve ▸ Digital employees. What they know and what they can never see is in Registers and settings ▸ Platform and security.

Where agents usually go wrong

• Starting at EXECUTE. Without a month at SUGGEST, nobody knows whether the agent gets it right. Raise autonomy step by step.
• Policy only in the owner's head. The agent follows the written policy; what is not written it cannot guess.
• Empty context. Without the house glossary, Tenkai does not understand what "MP" or "OC" mean in your company.

Questions Tenkai answers after the implementation

• "What are the agents waiting on from me today?"
• "How much did the Reconciler save this month?"
• "Why did the agent suggest this purchase?"

The gates and the routine (Tenkai module)

Week 1 — what Tenkai knows and what it never sees

Week 2 — the agents, one at a time

Week 3 — trust and accountability

The routine (10 minutes a day): Agents inbox. Once a month: Transparency Center — and raise to REVIEW or EXECUTE only the step that got the whole month right. ✅ Go-live gate: at least two agents working, each step at the autonomy level the company chose, and the Transparency Center showing what each one saved.

What this module does: The household finances: credit card with statement, recurrence rules (water, electricity, salary, rent), investments and net worth. It reuses accounts, receivables and payables, reconciliation and Open Finance from Finance.

The steps below apply to every company that uses the module; your industry's block adds what is specific to your operation.

1. 65
   Settlement between families

   Receive›Finance›Settlement between families

   ✓What to check: who paid for the others and who owes in the month, by each family's accounts and cards · Who does it: Finance · Time: 20 min
2. 66
   Real estate and assets

   Registers and settings›Finance›Real estate and assets

   ✓What to check: house, apartment, land, car: the acquisition value and depreciation · Who does it: Finance · Time: 20 min
3. 67
   Family income tax

   Receive›Finance›Family income tax

   ✓What to check: the monthly rental income tax (carnê-leão) and the annual statement of each person · Who does it: Finance · Time: 20 min
4. 68
   Family goals

   Registers and settings›Finance›Family goals

   ✓What to check: the renovation reserve, the trip, the down payment on the next property: how much to save and by when · Who does it: Finance · Time: 20 min
5. 69
   Stock exchange operations

   Registers and settings›Finance›Stock exchange operations

   ✓What to check: buying and selling stocks, ETFs and REITs (FIIs), with the month's tax and the DARF · Who does it: Finance · Time: 20 min
6. 70
   Household budget

   Receive›Finance›Household budget

   ✓What to check: how much you have, how much comes in, how much goes out and how much is left in the month — with the open card statement already counted · Who does it: Finance · Time: 20 min
7. 71
   Household cash flow

   Receive›Finance›Household cash flow

   ✓What to check: month by month, from 3 to 12 months: the balance, what comes in, what goes out and the month that squeezes · Who does it: Finance · Time: 20 min

Who it is for: the family (or families that share accounts) that wants to organize the household money in Tenka — accounts, cards, what repeats every month, the year's bills, debts, goals and net worth — with the income tax coming out ready at the end.

What you have at the end: how much comes in, how much goes out and how much is left in the month, the card statement already counted in the budget, the plan to pay off debts, how much is missing for each goal and the family's net worth on one screen.

Rhythm: 3 weeks, one short task a day. The name of each screen is a link: click it and it opens in a new tab, without losing this guide.

How the menu is organized (read before you start) (Family finances)

For the family, almost everything lives in Receive ▸ Finance (day to day) and in Registers and settings ▸ Finance (what you register once):

Before you start (Family finances)

• Gather: each account's statement for the last 3 months (OFX or CSV), the card statements, the list of what is paid every month (rent, school, health plan, electricity), the year's bills (vehicle tax, property tax, insurance, school supplies), debts with balance and interest, and what the family owns (property, car, investments).

Check: the menu shows Receive ▸ Finance with the Household budget.

Where the family usually goes wrong

• Card posted twice. The card spending goes into the statement; the closed statement becomes the payable. Do not also post the spending as a loose expense, or it counts twice in the budget.
• Forgotten annual bill. The January vehicle tax "scares" when it was not set aside gradually. Register the year's bills in week 2 and let the budget spread the month of each one.
• Statement without rules. Without categorization rules, each imported entry needs a category by hand. Create the rules for the 10 most common expenses on day one.

Questions Tenkai answers after the implementation

• "How much can I still spend this month?"
• "Which month of the next six will be tight?"
• "How much is missing for the trip goal?"
• "Why did grocery spending go up in September?"

The gates and the routine (Family finances)

Week 1 — the month's money

Week 2 — the year and the debts

Week 3 — net worth and the future

If the family rents out property, invests on the stock market or shares accounts

The family's routine (10 minutes a week): Household budget (how the month is going), Household cash flow (the next month that is tight) and Family goals (how much is missing). ✅ Final gate: the month closes without a spreadsheet, each goal shows how much is missing and the family answers "how much can we spend until the end of the month?" by looking at one screen.