Modern business demands are putting Chief Financial Officers (CFOs) under pressure to make rapid, data-driven decisions, but outdated systems and static reporting continue to hold them back. Legacy platforms limit visibility, hinder agility, and reduce access to the real-time insights modern finance leaders need.
To address these challenges, enterprise AI platform Terzo has launched Nirvanai, a generative AI-powered financial intelligence suite designed to redefine the office of the CFO. Described as the “CFO’s ultimate command center,” Nirvanai consolidates contract and spend data into a single, dynamic platform—empowering finance leaders with real-time visibility, automated insights, and decision-making speed that legacy systems simply can’t match.
Set to launch in June, Nirvanai marks Terzo’s bold challenge to legacy giants like SAP and Oracle—platforms built for data entry, not financial intelligence.
“SAP and Oracle were never designed to read documents. They can’t process contracts, clauses, or obligations. Nirvanai changes that,” Brandon Card, CEO and founder of Terzo, told me. “Our AI reads contracts like a human, but at machine scale. It compares what’s agreed in your documents to what’s actually spent in your systems. We flag mismatches, surface renegotiation opportunities, and give CFOs a live, intelligent view of the entire financial picture.”
At its core, Nirvanai converts fragmented finance data into a cohesive, real-time intelligence layer. Where most platforms silo legal, procurement, and finance workflows, Nirvanai performs automated five-way matching between contracts, purchase orders, invoices, assets, and actual spend. The result? Total visibility across supplier commitments, with zero manual stitching.
Card added that the platform’s embedded AI assistants allow dashboards to update in real time. Key clauses, including termination dates or volume discounts, can be queried through simple, conversational prompts.
“For decades, enterprise finance has been stuck in silos. Contracts were legal’s problem. POs lived in procurement. Invoices were AP’s responsibility. Nobody was stitching that data together in real time, and certainly not against actual asset performance or spend trends,” Card explained. “Matching a clause in a PDF contract to an invoice in Oracle or a line item in SAP was nearly impossible without armies of analysts and months of manual effort. The problem wasn’t desire—it was infrastructure.”
Not Just Automation—Actionable Intelligence
Procurement and finance teams may be familiar with automation, but Nirvanai offers something far more powerful: decision-making leverage. According to Card, Terzo’s AI doesn’t just flag discrepancies—it interprets supplier behavior and recommends counterterms. It can even simulate negotiation outcomes. For some large enterprise customers, it’s already uncovering tens of millions in previously lost value.
“Our vision was simple: what if AI could work like a real analyst. But to make that real, we had to go beyond the hype and build assistants that think in contract language,” he told me. “We trained our models on billions in enterprise contract and spend data. Because if the CFO or sourcing lead can’t use it on the fly, it’s just noise.”
Moreover, Terzo’s Bring Your Own Model (BYOM) capability takes flexibility to the next level, allowing enterprises to deploy their preferred large language models—whether OpenAI, Watsonx, Gemini, or others. This opens the door to deep vertical customization for industries like healthcare, banking, and insurance.
What excites CEO Brandon Card isn’t just the technical integration—it’s how customers are already stretching the platform beyond conventional use cases. “We’re seeing real-time vendor gap analysis become a powerful lever,” Card said. “Enterprises are comparing contract terms against actual spend and vendor master data to expose non-compliant suppliers and missing agreements.”
That level of insight has already translated into big wins. “We’ve seen Fortune 500s uncover tens of millions in leakage they never knew existed,” Card added. “By letting customers bring their own fine-tuned LLMs into Nirvanai, we’ve broken away from the one-size-fits-all model. Now, even the most highly regulated sectors can unlock AI-native finance without compromising on compliance or speed.”
Rewriting the CFO Playbook for an AI-Native Enterprise
With Nirvanai, Terzo aims to reframe the role of the CFO as the architect of enterprise intelligence. Instead of digging through spreadsheets and clunky ERP reports, finance leaders gain a real-time, unified view across every vendor, clause, and transaction.
“CFOs don’t just need automation. They need insight,” Card said. “We connect contracts to actual spend data, so you can instantly see what you negotiated vs. what you’re paying. AI agents proactively flag risks, overbilling, and missed revenue — before it hits the P&L.”
The launch of Nirvanai also marks the debut of the Terzo Cares Foundation, a nonprofit focused on financial literacy and mental health, especially in underserved communities. The foundation was created in memory of Terzo’s late co-founder, Al Giocondi, whose passion and vision continue to shape the company. Card added that Al’s legacy is the foundation of Terzo’s culture.
“Al wasn’t just a brilliant thinker, he was family,” said Card. “He believed in building with purpose. The launch of the Terzo Cares Foundation is how we honor that. Al cared deeply about mental health, about people being seen and supported—especially the ones carrying silent battles. So everything we build, every piece of innovation, has that human thread woven through it.”
What’s Next for Terzo AI?
Looking ahead, Terzo is doubling down on deeper, more advanced use cases—real-time vendor compliance audits, autonomous negotiation agents that generate counterterms on the fly, and LLMs fine-tuned for industry-specific regulatory frameworks. Companies like Home Depot, BlueCross BlueShield and Cisco are already using Terzo AI for supplier contract intelligence and many F500s are looking to use Nirvanai when its released.
“This isn’t a one-size-fits-all tool,” Card said. “It’s a financial intelligence platform built for scale, personalization, and transformation.”
Terzo isn’t just competing with legacy systems, it aims to rethink how financial intelligence platforms should work. For CFOs navigating an increasingly AI-native environment, it could mark a meaningful shift in how they manage risk, performance, and strategy.
