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Cash Pulse

byN M P

BUILD A MICRO SAAS CALLED "CASH PULSE UAE" MISSION: A daily cash flow visibility dashboard for UAE SME founders and finance teams. Not an accounting system. A decision-readiness layer that sits on top of bank accounts, invoices, and obligations to prevent cash flow blindness. --- PROBLEM STATEMENT: 80% of UAE SMEs report needing better cash flow management tools. SMEs don't stall because they lack funding, but because they lack visibility over their financial position. Decisions are made reactively because founders cannot see real-time receivables and payables. This leads to payroll panic, missed VAT deadlines, and expensive short-term credit. --- TARGET USER: - UAE SME founder (10-50 employees) - Outsourced finance manager / accountant managing multiple clients - Pre-Series A startup CFO needing runway visibility - Primary language: English (Arabic RTL support in V2) --- CORE MODULES (MUST BUILD): MODULE 1: DASHBOARD (Daily Cash Position) - Single-screen "You have AED 127,400 today. AED 89,000 is committed this week." - Connect bank accounts via open banking (Mashreq, Emirates NBD, FAB, ADCB) - Show cash on hand across AED + foreign currency accounts - Visual indicator: Green (>60 days runway), Yellow (30-60 days), Red (<30 days) MODULE 2: 30-DAY FORECAST (Rolling Cash Flow) - Timeline view: Day 1 to Day 30 - Expected inflows: Invoices due, categorized by customer - Expected outflows: Payroll, rent, supplier payments, VAT - Expected payment date vs. invoice due date (learned from customer history) - Net cash position by day MODULE 3: BURN RATE & RUNWAY CALCULATOR - Monthly burn rate: auto-calculated from actual outflows - Runway in days: "At current burn, you have 47 days of cash" - Operational cash vs. growth capital split - Chart: burn rate trend over last 6 months MODULE 4: WHAT-IF SCENARIO BUILDER - "What if Client X pays 30 days late?" → instant impact on runway - "What if I hire 2 staff at AED 8,000 each?" → cash impact - "What if rent increases 15%?" → scenario modeling - Slider inputs for quick adjustments MODULE 5: VAT & COMPLIANCE CALENDAR - VAT filing deadlines linked to cash position - License renewal alerts - Corporate tax return deadlines - "You need AED 45,000 for VAT on the 28th. Your forecast shows AED 38,000. Action required." MODULE 6: ALERT SYSTEM - Email + WhatsApp Business API notifications - Triggers: "Cash below 30 days runway", "Large payable due in 3 days", "Customer payment 15 days overdue" - Digest mode: Daily morning summary at 8 AM MODULE 7: RECEIVABLES AGING - Table: Customer | Invoice | Due Date | Days Overdue | Amount - Color-coded: Green (0-15 days), Yellow (16-30 days), Red (30+ days) - One-click "Send Reminder" button (auto-generates polite reminder email) MODULE 8: PAYABLES TRACKER - Upcoming obligations: rent, payroll, supplier invoices, VAT - Days until due - Priority ranking by impact --- DATA MODEL: User: - id, email, company_name, license_type (mainland/free_zone), industry, team_size, created_at BankAccount: - id, user_id, bank_name, account_number_masked, currency (AED/USD/EUR/GBP), current_balance, last_synced_at Transaction: - id, bank_account_id, amount, type (inflow/outflow), category, description, date, is_recurring Invoice: - id, user_id, customer_name, amount, due_date, expected_payment_date, status (pending/paid/overdue), days_overdue Scenario: - id, user_id, name, assumptions (JSON), projected_runway_days, impact_on_cash Alert: - id, user_id, type, message, status (read/unread), channel (email/whatsapp), sent_at --- USER FLOWS: ONBOARDING FLOW: 1. Sign up with email / Google / LinkedIn 2. Company profile: name, industry, team size, license type 3. Connect bank account (Plaid / open banking API) 4. Upload last 3 months of invoices (CSV import) 5. Set VAT filing frequency (quarterly/monthly) 6. Dashboard loads with live data DAILY ACTIVE USER FLOW: 1. Open dashboard → see daily cash position 2. Scroll to 30-day forecast → identify upcoming pinch points 3. Check alert bell → review any warnings 4. Review receivables aging → send reminder for overdue invoice 5. Run "What-If" scenario before hiring decision ACCOUNTANT PARTNER FLOW: 1. Accountant logs in 2. Sees client list (up to 10 clients) 3. Clicks client → sees their dashboard 4. Can add notes, adjust forecast assumptions 5. White-label export: PDF cash report with accountant branding --- TECH STACK (RECOMMEND): Frontend: - Next.js 14 (App Router) - Tailwind CSS + shadcn/ui - React Query for state management - Recharts for charts Backend: - Next.js API Routes / Node.js - PostgreSQL (via Supabase) - Redis for caching bank data Authentication: - NextAuth.js (Google, LinkedIn) Banking / Open Banking: - Plaid (if available for UAE) OR - Tarabut / lean.tech (MENA open banking APIs) - Fallback: Manual CSV import + manual balance updates Notifications: - Resend.com for email - WhatsApp Business API (via Twilio or 360dialog) Hosting: - Vercel (frontend) - Supabase (database + auth) Integrations (V2): - Zoho Books API - QuickBooks Online API - Xero API --- UI/UX REQUIREMENTS: - Dark mode default (finance professionals prefer dark dashboards) - Mobile-first responsive (founders check on phone) - Numbers should be large, scannable, not buried in tables - Use AED currency formatting throughout (AED 1,234.56) - Color coding: Green = healthy, Yellow = caution, Red = danger - Loading states for bank sync (show "Last updated 2 mins ago") - Empty states: helpful illustrations when no data --- MONETIZATION MODEL: Starter: AED 249/month - 2 bank accounts - Daily cash position - 30-day forecast - Email alerts Professional: AED 499/month - Unlimited bank accounts - Scenario builder - VAT calendar - WhatsApp alerts - Multi-user (up to 3) Accountant Partner: AED 1,499/month - 10 client dashboards - White-label reports - Client management portal - Priority support Free Trial: 14 days full access, no credit card required --- DIFFERENTIATION FROM EXISTING TOOLS: - Not an accounting software (not competing with Zoho/Xero) - Not a bank app (cross-bank, invoice-aware) - Not a spreadsheet (automated, real-time) - Built specifically for UAE: VAT, AED currency, WPS awareness, local bank support --- VALIDATION SIGNALS TO INCLUDE IN MARKETING: - "80% of UAE SMEs report needing better cash flow management tools" (Ken Research) - "SMEs don't stall because they lack funding, but because they lack visibility" - "Revenue looks impressive. Cash flow keeps you alive" --- GO-TO-MARKET V1 (MVP SCOPE): Only build Modules 1, 2, 3, 6, and 7 for MVP. - Bank feed integration (1 bank) - CSV invoice import - Daily cash position - 30-day forecast - Basic email alerts - Receivables aging table WHAT TO SKIP FOR V1: - WhatsApp alerts (use email) - Multi-user - Scenario builder - Accountant partner portal - Open banking (use manual CSV import if API is complex) --- OUTPUT REQUIREMENTS: Generate a complete Next.js application with: 1. Database schema (Prisma + PostgreSQL) 2. Authentication system 3. Dashboard with all MVP modules 4. CSV import functionality 5. Alert system 6. Responsive design (mobile + desktop) 7. Deployment-ready for Vercel BUILD IT NOW.

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System Requirements

System Requirement Document
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Cash Pulse System Requirements Document

1. Introduction

Cash Pulse is a micro SaaS platform designed to provide daily cash flow visibility for UAE SME founders and finance teams. It is not an accounting system but a decision-readiness layer that integrates with bank accounts, invoices, and obligations to prevent cash flow blindness.

2. System Overview

Cash Pulse aims to address the need for better cash flow management tools among UAE SMEs. By offering real-time visibility over financial positions, it helps prevent reactive decision-making and the associated financial pitfalls such as payroll panic, missed VAT deadlines, and reliance on expensive short-term credit.

3. Functional Requirements as Story Points

  • As a UAE SME founder, I should be able to view a daily cash position dashboard to understand my current financial standing.
  • As a finance manager, I should be able to connect bank accounts via open banking to aggregate financial data.
  • As a user, I should be able to see cash on hand across AED and foreign currency accounts.
  • As a user, I should be able to view a 30-day cash flow forecast to anticipate future financial needs.
  • As a user, I should be able to calculate the monthly burn rate and runway to plan for future expenses.
  • As a user, I should be able to receive email alerts for critical financial events.
  • As a user, I should be able to view a receivables aging table to manage overdue invoices.
  • As a user, I should be able to run "What-If" scenarios to model financial impacts of various business decisions.
  • As a user, I should be able to track VAT and compliance deadlines to ensure timely filings.
  • As a user, I should be able to manage payables and prioritize obligations based on impact.
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4. User Personas

  • UAE SME Founder: Typically manages a team of 10-50 employees and requires real-time financial visibility to make informed decisions.
  • Outsourced Finance Manager/Accountant: Manages multiple clients and needs tools to efficiently oversee financial operations.
  • Pre-Series A Startup CFO: Requires detailed runway visibility to manage financial planning and investor relations.

5. Core User Flows

Onboarding Flow

  1. Sign up with email, Google, or LinkedIn.
  2. Complete company profile: name, industry, team size, license type.
  3. Connect bank account using Plaid or open banking API.
  4. Upload last 3 months of invoices via CSV import.
  5. Set VAT filing frequency (quarterly/monthly).
  6. Dashboard loads with live data.

Daily Active User Flow

  1. Open dashboard to see daily cash position.
  2. Scroll to 30-day forecast to identify upcoming pinch points.
  3. Check alert bell to review any warnings.
  4. Review receivables aging and send reminders for overdue invoices.
  5. Run "What-If" scenario before making hiring or investment decisions.
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Accountant Partner Flow

  1. Accountant logs in and sees client list (up to 10 clients).
  2. Clicks on a client to view their dashboard.
  3. Adds notes and adjusts forecast assumptions.
  4. Exports white-label PDF cash report with accountant branding.

6. Visuals Colors and Theme

  • primary: #0047AB (a deep blue representing trust and professionalism)
  • primary_light: #5A8FD8 (a lighter blue for hover states)
  • secondary: #FFC107 (a warm yellow for highlights and secondary UI)
  • accent: #FF5722 (a vibrant orange for CTAs and active states)
  • highlight: #FFEB3B (a bright yellow for notifications and alerts)
  • bg: #121212 (dark mode background for finance professionals)
  • surface: #1E1E1E (card/panel background)
  • text: #FFFFFF (primary text color)
  • text_muted: #B0BEC5 (muted text for secondary information)
  • border: #37474F (subtle border color for accessibility)

7. Signature Design Concept

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Interactive Cash Flow Map

The homepage of Cash Pulse will feature an interactive cash flow map. Users will see a dynamic, animated map of their financial landscape, where cash inflows and outflows are represented as streams flowing into and out of a central reservoir. Users can click on different streams to see detailed information about specific transactions or forecasted events. The map will change color based on the financial health indicators (green, yellow, red) and will be built using motion/react for smooth animations and interactions.

Landing Hero Motion Brief

The landing hero will depict a central reservoir representing the user's cash position. Streams of cash flow will animate in and out, changing colors to indicate financial health. Users can interact with the streams to pause the animation and view detailed transaction data. The animation will loop every 10 seconds, providing a continuous visual representation of cash flow dynamics.

8. Interaction Model & Motion Direction

  • Interaction Model: Animated
  • The landing page will feature moderate scroll-triggered reveals and hover transitions. Interactive elements will have spring physics for a polished feel.
  • Internal pages will maintain a static layout for clarity, with minimal motion to enhance usability.
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9. Non-Functional Requirements

  • The system must support high availability and scalability to accommodate growing user bases.
  • Data synchronization with bank accounts must occur at least every 15 minutes.
  • The application must be responsive and perform well on both desktop and mobile devices.

10. Tech Stack

  • Frontend: Next.js 14 (App Router), Tailwind CSS + shadcn/ui, React Query, Recharts
  • Backend: Next.js API Routes / Node.js, PostgreSQL (via Supabase), Redis
  • Authentication: NextAuth.js
  • Banking/Open Banking: Plaid or Tarabut/lean.tech
  • Notifications: Resend.com, WhatsApp Business API
  • Hosting: Vercel, Supabase

11. Assumptions and Constraints

  • The system assumes users have access to the internet and modern web browsers.
  • Initial launch will focus on English language support, with Arabic RTL support planned for V2.
  • Open banking integration is dependent on the availability of APIs in the UAE.
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12. Glossary

  • SME: Small and Medium-sized Enterprises
  • VAT: Value Added Tax
  • WPS: Wage Protection System
  • Runway: The amount of time a company can operate before it runs out of cash
  • Burn Rate: The rate at which a company spends its cash reserves
Landing design preview
Login: Sign In
Clients: View List
Client Dashboard: View Cash Position
Client Dashboard: Add Notes
Client Dashboard: Adjust Forecast
Payables: Manage Obligations
VAT Calendar: Track Deadlines
Reports: Export White-Label PDF
Clients: Switch Client
Landing design preview
Login: Sign In
Clients: View List
Client Dashboard: View Cash Position
Client Dashboard: Add Notes
Client Dashboard: Adjust Forecast
Payables: Manage Obligations
VAT Calendar: Track Deadlines
Reports: Export White-Label PDF
Clients: Switch Client