ChatGPT answers questions. We execute tasks.
ChatGPT is fantastic as a general-purpose tool. Kobana Team is a team of agents that know your chart of accounts, your suppliers, your payment rails — and actually do the work.
Different tools for different purposes.
ChatGPT (and similar)
Generic AI chatbot — Claude, Gemini, Copilot.
- Type
- Generic AI chatbot
- Context
- Zero persistent knowledge of your business
- Execution
- Zero — it suggests, you execute
- Integration
- Zero with your systems
- Brazilian rails
- Doesn't know them
- Brazilian compliance
- Doesn't know it
- Price
- Low (US$ 20/month per person)
Kobana Team
Team of agents specialized in Brazilian finance.
- Type
- Team of agents specialized in finance
- Context
- Kia Brain with chart of accounts, policies, contracts and CCTs
- Execution
- Multi-step, end-to-end, with human-in-the-loop
- Integration
- +30 systems (ERP, Open Finance, eSocial, CRM)
- Brazilian rails
- Core of the product
- Brazilian compliance
- Native (LGPD, Bacen, Reforma Tributária)
- Price
- R$ 497 to R$ 7,490/month per company
How each one handles the same request.
I need to reduce DSO
Writes 500 words about collection strategies, dunning cadence and credit analysis, with generic references. You read it, understand it, but still have to implement everything manually.
Karin is already running the WhatsApp dunning cadence, automatic cash application and credit analysis via SCR-Bacen. DSO drops measurably in the first 90 days.
Classify this NF-e
You paste the XML. It tries to classify — but doesn't know your specific chart of accounts, hallucinates an account and you have to validate everything.
Kelly reads the XML automatically, knows your chart of accounts via Kia Brain, applies the correct withholdings based on CFOP/NCM and sends it for one-click approval in Slack.
How much can I invest today?
Doesn't know. You have to provide the data. It runs the same math you could have done in Excel.
Klaudinho is watching +40 banks via Open Finance, subtracted the day's payments (Kelly), factored in minimum liquidity (Kevin's policy) and replies with an investment suggestion on WhatsApp in seconds.
The right tool for the right job.
Things ChatGPT is great at
- Researching financial concepts
- Drafting a negotiation email
- Translating a contract clause
- Generating analysis ideas
- Explaining a tax concept
- Drafting an internal policy
- Personal use in any area
Things Kobana Team is better at
- Executing repetitive AR, AP, Treasury and Payroll tasks
- Operating inside your data and systems
- Acting on Pix, boleto and CNAB
- Answering questions specifically about your business
- Compliance with eSocial, FGTS Digital and Reforma Tributária
- Orchestrating multi-step flows with human approval
Sure. They're different tools.
Use ChatGPT for brainstorming and research, Kobana Team for operations. The way a CFO uses an HP-12c calculator for one thing and Excel for modeling. The right tool for the right job.
Ready to see the agents in action?
A 30-minute demo. No slides — with your real invoice.