Financial Access Intelligence

Know who can move your money.

Colesar maps the identities, permissions, systems and workflows that influence money movement across your organization—revealing hidden authority chains and financial access risk.

The Problem

Financial authority is more distributed than you think.

Most organizations know who can access an application. Far fewer know who can ultimately influence money movement. Financial authority is scattered across people, software and rules that were never designed to be seen as one system.

EmployeesService accountsAPIsERP permissionsBank accessPayment systemsAutomated workflowsThird-party integrationsVendor managementApproval rules
Disconnected sources of financial authority
The Access Graph

Map access. Understand financial authority.

Colesar's core architecture connects six layers—from identity to money movement—so authority that once lived in separate systems becomes one continuous, traceable structure.

Identity
Permission
System
Action
Workflow
Money Movement
Example authority path
IdentityEmployee
PermissionCan edit vendor details
SystemERP
ActionVendor bank account
WorkflowPayment workflow
Money MovementBank settlement
Direct vs. Indirect Access

The most important financial access is not always direct.

Indirect authority can create financial outcomes even when an identity cannot directly initiate a payment.

Direct
IDENTITY
User
SYSTEM
Bank account
MONEY MOVEMENT
Initiate payment
Indirect
IDENTITY
User
PERMISSION
ERP admin
ACTION
Change vendor details
WORKFLOW
Automated workflow
MONEY MOVEMENT
Approved payment
Ask the Access Graph

Ask financial access questions your systems cannot answer alone.

Every response is grounded in the access graph and shown with its full authority path—so answers can be reviewed, not just trusted.

Query

Can Sarah influence money movement?

Yes — indirectly

Sarah can modify vendor payment details through the ERP. Changes can subsequently enter an automated payment workflow.

Authority path
Sarah
ERP admin permission
Vendor management
Payment workflow
Bank settlement

Answers are grounded in the access graph and explained with a full authority path. Colesar explains — it does not act on this information autonomously.

Authority Concentration

See where too much financial authority exists.

Colesar surfaces where financial influence is concentrated in a small number of identities or systems. Organizations decide what, if anything, to change.

Financial System A
12
people with access
$500K
financial authority
Authority concentration: Low
Financial System B
3
people with access
$10M
financial authority
Authority concentration: High
Segregation of Duties

Understand where financial controls overlap.

The same identity may influence multiple stages of the financial workflow. Colesar surfaces the overlap—it does not label it fraud.

Create vendorSarah
Approve vendorSarah
Initiate paymentSarah
Approve paymentSystem rule
Potential control overlap

One identity influences vendor creation, vendor approval, and payment initiation.

Non-Human Financial Access

People aren't the only identities with financial authority.

Software identities—API keys, service accounts, integrations—can carry significant financial authority. Colesar maps them alongside human identities.

Software identity
IDENTITY
API key
SYSTEM
Payment provider
ACTION
Transfer API
MONEY MOVEMENT
Bank
Service account
IDENTITY
Service account
SYSTEM
ERP
ACTION
Invoice processing
MONEY MOVEMENT
Payment workflow
Financial Blast Radius

Understand the financial consequences of compromised access.

Colesar traces what a compromised identity could reach—accessible systems, available permissions, and the financial workflows they connect to. This describes potential reach, not a prediction of loss.

IDENTITY COMPROMISEDACCESSIBLE SYSTEMSAVAILABLE PERMISSIONSFINANCIAL WORKFLOWS
Financial Authority Paths

Every path to money should be visible.

Identities connect through systems toward financial accounts along direct, indirect, automated and third-party paths. Colesar renders the full network.

Employee AEmployee BService AccountAPI IntegrationERPPayment ProcessorVendor PlatformBank Account ABank Account B
Direct
Indirect
Automated
Third-party
Continuous Updates

Financial authority changes every day.

Colesar is not a static permission audit. It is a living financial access intelligence layer that updates as roles, systems and workflows change.

09:12
New employee granted ERP role
09:13
Vendor management access inherited
09:14
Financial workflow now reachable
09:15
Financial authority graph updated
System Architecture

Connect the systems that influence money movement.

Colesar sits between the systems that grant financial authority and the outputs organizations use to understand it. Integrations are illustrative of the categories Colesar is built to connect.

Identity Providers
ERP
Banks
Payment Processors
Accounting
Procurement
Expense Systems
Treasury
APIs
Colesar
Financial Access Graph
Authority visibility
Access intelligence
Control overlap
Financial exposure
Access reviews
Audit evidence
The AI Layer

AI that reasons about financial authority.

AI is not simply summarizing permissions. It helps users understand relationships and potential financial outcomes across the graph.

System Data×Identity Data×Permissions×Workflows×Financial Actions
Financial Access GraphAI ReasoningExplanations
Source Traceability

Every answer should have a path.

Colesar does not produce unexplained AI conclusions. Every answer resolves to a specific, inspectable authority path across the graph.

Question
Can this identity influence payment?
Answer
Yes — indirectly.
Path
IDENTITY
Identity
PERMISSION
ERP permission
SYSTEM
Vendor management
WORKFLOW
Payment workflow
MONEY MOVEMENT
Bank integration
Use Cases

One graph, understood differently by every team.

Finance

Understand who and what can influence financial operations.

Security

Map financial authority across human and non-human identities.

Internal Audit

Review access paths and control overlap.

Treasury

Understand access surrounding financial accounts and money movement.

Enterprise Risk

Identify concentration of financial authority.

Compliance

Generate evidence around financial access and controls.

Financial Access Review

Review financial authority, not just application access.

Identity
Sarah Morgan
2 high-impact
Limited
Direct financial access
High
Indirect financial access
6
Systems
14
Authority paths
2
High-impact paths
API / Infrastructure

Build on the Financial Access Graph.

An illustrative example of how the access graph can be queried programmatically. This example is illustrative and does not represent a live endpoint.

GET /v1/identities/{id}/financial-authority
{
  "identity": "user_481",
  "direct_authority": [],
  "indirect_authority": [
    {
      "path": [
        "ERP_ADMIN",
        "VENDOR_EDIT",
        "PAYMENT_WORKFLOW"
      ]
    }
  ],
  "systems": 6
}
Human Control

Intelligence without automatic authority.

Colesar can map, analyze and surface financial access relationships. Organizations decide what to do next—Colesar does not automatically revoke access or block payments.

Map
Analyze
Review
Decide
Act

Your identity systems know what you can access.

Colesar shows what you can financially cause.

Make financial authority visible.

Colesar maps the hidden paths between identity, access and money movement—giving organizations a clearer understanding of who and what can influence their financial systems.

Get Started