Kowalski

Kowalski is a set-and-forget tax agentic-first platform designed for Kenyan SMEs.

What It Does

• Multi-gateway ingestion: Pulls transactions from M-Pesa, bank APIs, Stripe, and other payment providers
• AI-driven reconciliation: Automatically matches payments to invoices, categorizes expenses, and flags anomalies
• Immutable tax rules: Kenyan tax regulations encoded as verifiable logic—no guesswork, no drift
• Direct KRA filing: Files returns directly to the Kenya Revenue Authority via eTIMS/GavaConnect APIs

Why Agentic?

Instead of rigid automation, Kowalski uses specialized agents that handle different aspects of tax compliance:

• Ingestion Agent: Handles API connections, rate limiting, and data normalization
• Reconciliation Agent: Uses ML to match fuzzy transaction descriptions to actual business activities
• Compliance Agent: Applies Kenyan tax rules (VAT, income tax, withholding) to categorized transactions
• Filing Agent: Prepares and submits returns, handling KRA’s specific formatting requirements

Each agent reports to a supervisor that ensures consistency and flags edge cases for human review.

Built With

• OCaml for the tax rule engine—type safety is non-negotiable when dealing with government compliance
• Erlang/OTP for the agent orchestration—fault tolerance and hot code reloading are essential for financial systems
• LLMs for classification and anomaly detection, constrained by structured output schemas