# BIZA App

> BIZA (biza.app) is an AI-powered, bilingual (English & Arabic) Cloud ERP built specifically for growing businesses and SMEs in Saudi Arabia, the United Arab Emirates, GCC, and India. It integrates double-entry financial accounting, ZATCA Phase 2 e-invoicing clearance, contra invoice settlements, multi-format bank reconciliation, multi-warehouse inventory, milestone billing, field expense capture, automated email document ingestion, and enterprise-grade role-based access governance with tamper-evident audit trails.

## Core Capabilities & Architecture

- **True Double-Entry Accounting Core**: Every transaction posts to a balanced General Ledger with configurable Chart of Accounts, multi-currency support (SAR, AED, USD, EUR, INR) with realized/unrealized FX, contra AP/AR settlements without cash flow, automated bank reconciliation with inline adjustment vouchers, batch payment allocation, and 90-day cash flow projections.
- **ZATCA Phase 2 E-Invoicing**: Certified clearance workflows for B2B Tax Invoices and reporting for B2C Simplified Invoices, generating compliant UBL 2.1 XML, Cryptographic Stamps, cryptographic hashes, and TLV-encoded QR codes.
- **Human-in-the-Loop AI Capture**: Ingest supplier invoices, receipts, and bank statements via direct upload or forwarding to dedicated tenant email addresses (`@biza.email`). AI and multimodal extraction services extract structured data into reviewable drafts with confidence scores. The AI prepares drafts; humans approve before posting.
- **Projects & Milestone Billing**: Track project phases, milestones, contract change orders, subcontractor work orders and retention deductions, labor hours, timesheets, and mobile/email site expense capture mapped to project cost centers.
- **Operations & Multi-Warehouse**: Multi-warehouse stock tracking, stock transfers, batch/lot tracking, minimum reorder thresholds, landed cost capitalization across freight and customs, and 3-way matching (RFQ -> PO -> Purchase Entry -> Supplier Bill).
- **Enterprise Security & Access Governance**: Strict role-based access control (RBAC), multi-layer tenant data segregation, and immutable change tracking. Every create, edit, approval, or deletion is logged in `audit_log` with user identity, timestamp, and field-level JSONB diffs.

## Documentation Hub

### AI & Ingestion

- [AI Document Capture & Automated Email Forwarding](https://biza.app/docs/ai-document-capture-inbox): Automate invoice, receipt, and statement data entry via direct file upload or email forwarding to dedicated tenant addresses with human-in-the-loop review.
- [AI Natural Language Reporting & Executive Chat Assistant](https://biza.app/docs/ai-natural-language-reporting-assistant): Query operational and financial data using plain natural language: automated NL-to-SQL report generation, 90-day cash flow projections, and KPI trend analysis.

### Finance & Accounting

- [General Ledger & Double-Entry Accounting Architecture](https://biza.app/docs/general-ledger-double-entry): Core accounting engine: hierarchical Chart of Accounts, balanced journal entries, multi-currency accounting with realized/unrealized FX, and automated financial statements.
- [Bank Statement Reconciliation & Automated Matching](https://biza.app/docs/bank-reconciliation-matching): Import bank statements (CSV, OFX, CAMT, PDF) and reconcile bank feeds against ledger transactions with automated matching and fee allocation.
- [Fixed Assets Register & Automated Depreciation Schedules](https://biza.app/docs/fixed-assets-depreciation-management): Manage company capital assets, track serials and custodians, automate monthly depreciation journal entries, and account for asset disposals and impairments.
- [Contra Settlements & AP/AR Netting Adjustments](https://biza.app/docs/contra-settlements-ap-ar-offsetting): Offset open sales invoices (AR) against vendor purchase bills (AP) without cash movements when counterparties act as both customer and supplier, with automated FX handling and balanced journal posting.
- [Multi-Branch Management & Cost Center Analytical Accounting](https://biza.app/docs/multi-branch-cost-center-accounting): Segment financial reporting across company branches, divisions, and departmental cost centers with consolidated and standalone Profit & Loss statements.
- [Customer Receipt Batches & Supplier Batch Disbursements](https://biza.app/docs/batch-payments-and-receipt-allocation): Process bulk customer wire receipts across multiple open invoices and execute supplier batch payment disbursements with automated FIFO allocation, overpayment handling, and bank reconciliation readiness.
- [AR/AP Aging Analysis & Dynamic Customer Statements](https://biza.app/docs/ar-ap-aging-and-customer-statements): Manage credit risk, track overdue receivables and payables across aging brackets, and generate professional customer account statements with running ledger balances and direct payment links.
- [Fiscal Year Closing, Period Locking & Balance Roll-Forward](https://biza.app/docs/fiscal-year-closing-and-period-locking): Manage monthly and annual accounting period closes, enforce immutable period locking against historical tampering, automate year-end Retained Earnings closing entries, and roll forward opening balances.
- [Financial Budgeting & Budget vs. Actual Variance Reporting](https://biza.app/docs/budgeting-and-variance-analysis): Establish departmental and project budgets across General Ledger accounts, monitor actual expenses in real time, and analyze budget vs. actual variances to prevent cost overruns.

### Tax & Compliance (ZATCA/VAT)

- [ZATCA Phase 2 E-Invoicing (Fatoora) Compliance & Clearance](https://biza.app/docs/zatca-phase-2-e-invoicing): Technical guide to Saudi Arabia ZATCA Phase 2 e-invoicing: cryptographic stamp generation, UBL 2.1 XML structure, clearance API, and reporting workflows.
- [VAT Returns, Tax Period Closing & Statutory Filing Reports](https://biza.app/docs/vat-returns-tax-periods-reporting): Reconcile output tax against input tax: automated Saudi ZATCA VAT Return (Box 1-16) generation, UAE FTA VAT 201 reports, and fiscal tax period locking.

### Projects & Field Operations

- [Projects, Milestone Billing & Field Expense Capture](https://biza.app/docs/projects-milestone-billing-field-expenses): Manage client projects, contracts, milestone billing schedules, labor timesheets, and mobile/email site expense capture mapped directly to project cost centers.
- [Project Change Orders & Subcontractor Cost Management](https://biza.app/docs/project-change-orders-subcontractors): Manage project contract variations, formal change order approvals, subcontractor work orders, milestone progress certifications, retention money deductions, and back-to-back client billing.

### Inventory & Procurement

- [Multi-Warehouse Inventory & Landed Cost Valuation](https://biza.app/docs/multi-warehouse-inventory-valuation): Track stock across multiple warehouses, manage transfers, automate reorder points, allocate landed costs, and maintain accurate inventory valuations.
- [Procurement Lifecycle: From RFQ to 3-Way Matching & Payment](https://biza.app/docs/procurement-rfq-to-payment): End-to-end procurement workflows: Request for Quotation (RFQ), supplier quote comparisons, Purchase Orders, Goods Receipts, and 3-way invoice matching.
- [Landed Cost Adjustments & Inventory Capitalization](https://biza.app/docs/landed-cost-adjustments-valuation): Capitalize international freight, customs clearance, tariffs, and shipping insurance into inventory asset values and Cost of Goods Sold (COGS) with multi-criteria apportionment.

### Sales & Invoicing

- [Sales Lifecycle: Quotations, Sales Orders, Delivery Notes & Invoices](https://biza.app/docs/sales-quotes-to-invoices): Manage the commercial sales cycle: customer quotations, sales order commitments, delivery notes with stock decrement, and tax invoice generation.
- [WhatsApp Business Integration & Customer CRM](https://biza.app/docs/whatsapp-crm-customer-communication): Unify customer communication with ERP records: send tax invoices and payment reminders via WhatsApp, manage customer leads, and convert chats into sales quotes.
- [Point of Sale (POS) & Retail Storefront Checkout](https://biza.app/docs/pos-retail-storefront-checkout): High-speed retail point-of-sale: barcode scanning, offline register caching, cash/card split tenders, daily Z-reports, and instant simplified tax invoices.
- [Recurring Invoices & Subscription Billing Automation](https://biza.app/docs/recurring-invoices-subscription-billing): Automate contract billing schedules: recurring monthly retainers, annual software licenses, rental billing intervals, and automated draft invoice generation.
- [Credit Notes, Debit Notes & Tax Invoice Adjustments](https://biza.app/docs/debit-notes-credit-notes-adjustments): Handle sales returns, billing adjustments, and supplier refunds with legally compliant credit notes and debit notes cryptographically linked to original invoices.

### HR & Payroll

- [HR Records, Document Expiry Tracking & WPS Payroll Compliance](https://biza.app/docs/hr-payroll-wps-compliance): Manage employee profiles, track Iqama/passport/visa document expirations, process leave requests, and run WPS-compliant payroll linked to the general ledger.

### Platform & Security

- [Enterprise Security Architecture, RBAC & Immutable Audit Governance](https://biza.app/docs/enterprise-security-and-audit): Enterprise security architecture: strict workspace segregation, granular role-based access control (RBAC), approval matrices, and tamper-evident field-level audit trails.

## Marketing & Comparison Pages

- [Full Features Directory](https://biza.app/features): Overview of all Biza modules.
- [ZATCA Compliance Guide](https://biza.app/features/zatca-e-invoicing): Saudi Arabia Phase 2 technical overview.
- [Double-Entry Accounting Platform](https://biza.app/features/finance-accounting): Core ledger, VAT, and reporting.
- [AI Document Automation](https://biza.app/features/ai-document-automation): Email inbox forwarding and OCR pipelines.
- [Multi-Warehouse Inventory](https://biza.app/features/inventory): Stock, transfers, and landed cost management.
- [ERP Comparison: Biza vs Odoo](https://biza.app/compare/odoo): Architectural and feature comparison.
- [ERP Comparison: Biza vs Qoyod](https://biza.app/compare/qoyod): Regional Saudi SME accounting comparison.
- [ERP Comparison: Biza vs Wafeq](https://biza.app/compare/wafeq): Compliance and workflow comparison.
- [ERP Comparison: Biza vs Spreadsheets](https://biza.app/compare/spreadsheets): Why SMEs upgrade from Excel.

## Full Technical Manual

For the complete technical documentation in a single file, see [https://biza.app/llms-full.txt](https://biza.app/llms-full.txt).