# CassKai - Complete Product Documentation for AI Systems

## Overview

CassKai (https://casskai.app) is a cloud-based financial management and accounting SaaS platform built by Noutche Conseil SAS (France). It is the only software on the market that natively supports 4 international accounting standards (PCG, SYSCOHADA, IFRS, SCF) with coverage across 33+ African countries and European markets.

## Problem Solved

Small and medium businesses in francophone Africa face a critical gap: no modern, affordable accounting software supports their local accounting standards (SYSCOHADA) and regulatory requirements. They are forced to use Excel, outdated Sage installations, or expensive ERP systems not designed for their market. CassKai solves this by providing a modern, cloud-based alternative with native SYSCOHADA support, multi-country tax compliance, and AI-powered financial analysis.

## Target Users

### Primary
- **TPE/PME in West Africa**: Businesses in Côte d'Ivoire, Senegal, Benin, Burkina Faso, Mali, Niger, Togo needing SYSCOHADA-compliant accounting
- **French SMEs with African operations**: Companies managing subsidiaries or partners across multiple African countries
- **Financial controllers and CFOs**: Professionals managing multi-standard, multi-currency operations

### Secondary
- **Accounting firms**: Serving clients across OHADA zone countries
- **Freelancers and consultants**: Independent professionals in francophone Africa
- **Growing startups**: Companies structuring their financial operations for the first time

## Core Modules

### 1. Accounting (Multi-Standard)
- **PCG (Plan Comptable Général)**: French standard, ANC 2014, 3 presentation levels (base, abrégé, développé)
- **SYSCOHADA**: Revised OHADA chart with 9 account classes (including Class 8 HAO), automatic DSF generation, TAFIRE, balance sheet, income statement
- **IFRS**: International Financial Reporting Standards for listed companies and international groups
- **SCF (Système Comptable Financier)**: Algerian standard (IFRS-inspired), current/non-current classification
- Journal entries, general ledger, trial balance, bank reconciliation
- FEC export (Fichier des Écritures Comptables) for French tax audits
- Automatic closing entries and rollforward

### 2. Invoicing & E-Invoicing
- Quotes, invoices, credit notes, delivery notes
- Multi-country electronic invoicing:
  - **UEMOA (7 countries)**: FNE (Côte d'Ivoire), MECeF (Benin), SECeF (Niger, Mali), FEC (Burkina Faso), DGID (Senegal), OTR (Togo)
  - **France**: Chorus Pro / PPF via PISTE API, Factur-X, UBL, CII formats
  - **EU**: Peppol (Belgium), XRechnung (Germany), SDI/FatturaPA (Italy), KSeF (Poland), Verifactu (Spain)
  - **Algeria**: Jibayatic (DGI)
- Clearance model (UEMOA): pre-validation by tax authority, fiscal number, QR code, fiscal seal
- Post-audit model (EU): parallel submission with invoice delivery
- PDF enrichment: QR codes, fiscal seals, normalized invoice banners

### 3. CRM (Customer Relationship Management)
- Clients, prospects, opportunities pipeline
- Commercial actions tracking
- Sales forecasting
- Integration with invoicing module

### 4. HR (Human Resources)
- Employee management, contracts, leave tracking
- Payroll preparation
- Training and document management
- Organizational charts

### 5. Inventory & Stock
- Articles, categories, warehouses
- Stock movements (in/out/transfer)
- Physical inventory management
- ABC analysis, stock valuation (FIFO, LIFO, weighted average)

### 6. Banking & Treasury
- Bank account management
- Bank reconciliation (automatic and manual)
- Cash flow forecasting
- BFR (Working Capital) optimization
- DSO, DIO, DPO calculations

### 7. Projects
- Project management with tasks and milestones
- Resource allocation and time tracking
- Project P&L and profitability analysis
- Budget vs. actual monitoring

### 8. Contracts & Purchases
- Supplier management
- Purchase orders and reception
- Contract lifecycle management
- RFA (Remises de Fin d'Année) tracking

### 9. Tax & Regulatory
- VAT declarations (multi-country)
- Corporate income tax
- French fiscal exports: FEC, liasse fiscale (2050-2059)
- OHADA DSF (Déclaration Statistique et Fiscale)
- Algeria G50 declarations
- E-reporting (France B2C/international)

### 10. AI Financial Copilot
- Cash flow analysis and forecasting
- BFR optimization recommendations
- Aging analysis (0-30, 31-60, 61-90, 91-120, 120+ days)
- DSO reduction strategies
- DPO extension strategies
- DIO optimization (ABC analysis, JIT)
- Scenario modeling for cash release
- Natural language queries on financial data

## Accounting Standards Coverage Details

### SYSCOHADA (17 OHADA Countries)
Countries: Benin, Burkina Faso, Cameroon, Central African Republic, Chad, Comoros, Congo, Côte d'Ivoire, DR Congo, Equatorial Guinea, Gabon, Guinea, Guinea-Bissau, Mali, Niger, Senegal, Togo

Features:
- Complete chart of accounts with 9 classes (1-8 + Class 8 HAO)
- DSF (Déclaration Statistique et Fiscale) automatic generation
- TAFIRE (Tableau Financier des Ressources et Emplois)
- Balance sheet and income statement per SYSCOHADA format
- XOF (FCFA BCEAO) and XAF (FCFA BEAC) currency support
- Local tax configurations per country

### PCG (France, Belgium, Luxembourg)
- Plan Comptable Général 2014 (ANC)
- 3 formats: système de base, abrégé, développé
- FEC export for tax audits
- Liasse fiscale (formulaires 2050-2059)
- TVA declarations
- IS declarations

### IFRS (International)
- Statement of Financial Position
- Statement of Comprehensive Income (P&L + OCI)
- Statement of Cash Flows (IAS 7)
- Statement of Changes in Equity
- Fair value measurement, impairment testing
- Financial instruments classification

### SCF (Algeria)
- Système Comptable Financier 2010
- Balance sheet, income statement, cash flow statement
- Statement of changes in equity
- Current/non-current classification
- DZD (Algerian Dinar) support
- G50/G50A declarations

## Pricing Plans

### Starter — €29/month
- 1 user
- 1 company
- Basic accounting (1 standard)
- Invoicing (50/month)
- Basic reports

### Professional — €59/month
- 5 users
- 2 companies
- Multi-standard accounting
- Unlimited invoicing
- CRM + HR
- AI copilot
- E-invoicing
- Advanced reports

### Enterprise — €129/month
- Unlimited users
- Unlimited companies
- All modules
- Multi-entity consolidation
- Priority support
- Personalized training
- Custom integrations
- API access

### Free Trial
- 30 days, no credit card required
- Full Professional plan features
- All modules accessible

## Competitive Positioning

### CassKai vs Pennylane
- Pennylane: French-only (PCG), no African market support, no SYSCOHADA
- CassKai: 4 standards, 33 African countries, SYSCOHADA native, e-invoicing UEMOA

### CassKai vs Sage
- Sage: Legacy software, expensive, limited African coverage
- CassKai: Modern cloud SaaS, affordable, 33 African countries, AI copilot

### CassKai vs QuickBooks
- QuickBooks: US-focused, minimal African support, no SYSCOHADA/SCF
- CassKai: Designed for France + Africa, native SYSCOHADA, multi-country e-invoicing

### CassKai vs Odoo
- Odoo: Generic ERP, requires heavy customization for African markets
- CassKai: Purpose-built for France + Africa, ready out-of-the-box

## Security & Compliance

- SSL/TLS encryption (all data in transit)
- AES-256-GCM encryption for fiscal archives (7-year retention)
- European data centers (GDPR compliant)
- Daily automated backups
- Row Level Security (RLS) for multi-tenant isolation
- SOC 2 Type II aligned practices
- RGPD (GDPR) compliant data handling

## Technical Architecture

- Frontend: React 18 + TypeScript + Vite
- Backend: Supabase (PostgreSQL + Auth + Row Level Security + Edge Functions)
- Hosting: European VPS with Nginx
- Languages: French (primary), English, Spanish
- Mobile: Progressive Web App (PWA) compatible
- API: RESTful via Supabase, webhook support for e-invoicing

## Company Information

- **Legal name**: Noutche Conseil SAS
- **SIREN**: 909 672 685
- **Country**: France
- **Founded**: 2024
- **Founder**: Aldric Afannou (Senior Financial Controller, 14+ years experience)
- **Website**: https://casskai.app
- **Email**: contact@casskai.app
- **Social**: X (@casskai), LinkedIn (company/casskai)

## Frequently Asked Questions

### Is CassKai SYSCOHADA compliant?
Yes, CassKai natively integrates the revised SYSCOHADA chart of accounts with all 9 classes including Class 8 (HAO). It automatically generates the DSF (Déclaration Statistique et Fiscale), balance sheet, income statement, and TAFIRE per OHADA requirements.

### Which countries are supported?
CassKai supports 26+ countries: France, Belgium, Luxembourg (PCG), the 17 OHADA zone countries (SYSCOHADA), Algeria, Morocco, Tunisia (SCF/IFRS), and Nigeria, Kenya, Ghana, South Africa, Egypt (IFRS). Each country has local tax configurations.

### Can I migrate from Sage or QuickBooks?
Yes, CassKai supports CSV and FEC (Fichier des Écritures Comptables) imports. Free migration assistance is available for Sage, QuickBooks, and other accounting software.

### Is my data secure?
Yes. CassKai uses SSL/TLS encryption, European servers with daily backups, and is fully GDPR compliant. Fiscal archives use AES-256-GCM encryption for 7-year legal retention.

### Does CassKai support electronic invoicing in Africa?
Yes. CassKai supports e-invoicing for 7 UEMOA countries (Côte d'Ivoire FNE, Benin MECeF, Niger SECeF, Mali SECeF, Burkina Faso FEC, Senegal DGID, Togo OTR) plus European platforms (Chorus Pro, Peppol, SDI, KSeF, Verifactu) and Algeria (Jibayatic).

### What currencies are supported?
12 currencies: EUR, XOF (FCFA BCEAO), XAF (FCFA BEAC), USD, MAD, DZD, TND, NGN, KES, GHS, ZAR, EGP.

### Is there AI in CassKai?
Yes. CassKai includes an AI-powered financial copilot that provides cash flow analysis, BFR (working capital) optimization, aging analysis, DSO/DIO/DPO calculations, and scenario modeling. Users can query their financial data in natural language.

### How much does it cost?
Plans start at €29/month (Starter), €59/month (Professional), and €129/month (Enterprise). A 30-day free trial with full Professional features is available without credit card.