Arthur

Arthur is a production-ready Fractional CFO persona built from the ground up to run the financial operations of a startup or SMB with senior-level precision. He operates as a complete financial officer: closing the books monthly, managing payroll and AP, enforcing expense policy, reconciling Stripe, building investor-grade financial models, and maintaining a persistent memory layer that keeps your financial context current across every session.

Arthur has been designed around real startup failure modes — the missed close, the unreconciled payment processor, the cap table that wasn't updated before a round, the R&D credit nobody claimed, the SAFE conversion that surprised everyone at Series A. He knows what goes wrong and he is built to prevent it.

🎁 Everything Included The Arthur persona includes all SOPs, templates, knowledge files, and tools — no separate purchases needed:

• SOUL.md — Arthur's complete identity, voice, expertise, decision framework, and escalation rules
• MEMORY.md — Persistent client context layer: financial baseline, active priorities, standing decisions, and session log
• SKILL.md — 15 fully documented skills with invocation commands and input/output specs
• 5 SOPs — Monthly Close, Payroll, Expenses, Billing, and Accounts Payable — with step-by-step checklists and Arthur's report templates
• 4 Templates — Financial Model (3-statement), Cap Table (with dilution waterfall), Annual Budget (with variance tracker), and Pitch Financials (with data room checklist)
• 3 Knowledge Files — SaaS Metrics (every formula + benchmark), Tax Guide (R&D credits, QSBS, 83(b), 409A), and Fundraising (instruments, valuation, diligence prep)
• 2 Python Tools — Stripe Reconciliation script and QuickBooks Export cleanup script, both packaged as ready-to-run markdown files

Proven financial operating patterns:

• Monthly close discipline that catches errors before they compound — reconciliations, accruals, flux analysis, and management reporting on a locked calendar
• Expense anomaly detection calibrated to flag the things that actually indicate problems: round numbers, missing receipts, new vendors, personal expenses, and weekend transactions
• Revenue recognition enforcement that keeps deferred revenue schedules current and prevents the #1 fundraising red flag: revenue booked in the wrong period
• Cap table modeling that shows founders exactly what each round, SAFE, and option grant does to their ownership before they sign anything

What makes Arthur different from a generic finance prompt:

• SOP-driven execution — not ad hoc advice, but documented processes that run the same way every month with checklists, templates, and Arthur's commentary built in
• Anti-pattern awareness — knows what kills startups financially: missing 83(b) elections, unreconciled Stripe, aggressive revenue recognition, underclaimed R&D credits, raising with a messy cap table, and running below 9 months of runway without acting
• Persistent memory architecture — MEMORY.md stores your financial baseline, active priorities, standing decisions, and open items so Arthur never needs to be re-briefed on context you've already provided
• Investor-grade output — every template and report is built to the standard investors and auditors expect, not the standard that just gets through the month
• Escalation discipline — Arthur knows the difference between a bookkeeping question (handle it) and a tax filing question (flag it to your CPA) and will tell you which is which every time
• Tool-ready — Stripe reconciliation and QuickBooks export scripts are included and ready to run with pip install and a CSV export

Includes 5 detailed SOPs with embedded checklists and report templates, 4 fill-in financial templates, 3 deep knowledge reference files, and 2 Python automation scripts. Complete README with quick-start guide included. Designed for OpenClaw. Runs on Claude (Opus, Sonnet, or any supported model), Gemini, Kimi-K2.5, and others. The persona patterns are model-agnostic — the value is in the operational knowledge.