Commerce built for every business model.
Launch digital commerce, manage end-to-end operations and expand across storefronts, channels, markets and customer segments from one unified AI commerce platform.
SKARTIO Business Agents
Useful AI agents for the work that runs your business.
SKARTIO Business Agents bring practical AI into everyday business operations—helping teams understand what needs attention, make better decisions, coordinate work, take governed actions and continuously improve outcomes across growth, customers, people, billing and revenue.
Understand business contextCoordinate work across teamsAct within policyLearn from outcomes
SKARTIO AI Inference
OPULENCE
The complete AI foundation behind SKARTIO Business Agents — connecting business knowledge, trusted intelligence, governance and useful actions in one unified environment.
Business Cloud — DiscoveryConnects business context, workflows and operational functions into OPULENCE.
SKY — Analytics CloudConnects facts, patterns, forecasts, risks and outcomes into OPULENCE.
KnowledgebaseTrusted business knowledge and context that help agents understand, guide and support everyday work.
Trusted ActionsBusiness actions guided by permissions, approvals and clear human control.
LotusOleanderOrchidJasmineLavender
What are Business Agents?
An intelligent operating layer—not another chatbot.
Business Agents work across business applications and data to continuously understand what is happening, recommend what to do next, coordinate work and support approved actions. They combine live Business Cloud context, SKY insights, company knowledge and business policies so AI becomes useful in real operating work.
From question answering to business action
Each agent is designed around a business responsibility, not a generic prompt box.
ObserveWatch business signals, tasks, exceptions and opportunities.
ReasonCombine business context, analytics, knowledge and policies.
Recommend & coordinatePrioritize the next best action and engage the right agent or team.
Act within controlExecute low-risk actions or prepare higher-risk actions for approval.
Built around measurable business value
Agents are useful when they improve an operating outcome—not when they merely generate text.
GrowPipeline, conversion, customer expansion and revenue.
ProtectRevenue, billing accuracy, cash flow and margin.
AccelerateFollow-ups, approvals, service, people operations and decisions.
GovernEvidence, permissions, policy boundaries and human control.
OPULENCE — AI Inference behind Business Agents
One AI inference layer. Seamlessly connected to business operations and analytics.
OPULENCE is SKARTIO AI Inference behind Business Agents. It connects seamlessly with Business Cloud — Discovery for live business context and SKY — Analytics Cloud for facts, patterns, forecasts and outcomes, then uses that intelligence to help agents learn, reason, recommend, collaborate and support business actions.
Business Cloud — Discovery
Provides the operating context of the business — customers, leads, sales, billing, finance, HR, partners, workflows and day-to-day business activity.
Business context → OPULENCESKARTIO AI INFERENCE
OPULENCE
OPULENCE brings together business intelligence, knowledge, governance and connected capabilities to power mature and useful Business Agents.
SKARTIO AI ModelsPurpose-fit intelligence selected for different agent responsibilities and business needs.
Governance & ControlDefines access, permissions, approvals, usage controls and responsible boundaries for every Business Agent.
KnowledgebaseConnects trusted business knowledge, policies and operating context so agents can provide relevant guidance and recommendations.
Connected IntelligenceBusiness Agents work together across functions so customer, revenue, sales, billing, HR and growth activities stay connected.
Trusted ActionsAgents support approved business actions while keeping people, permissions and business policies in control.
Business AgentsSpecialized agents for management, service, content, people, revenue, billing, sales and lead growth.
SKY — Analytics Cloud
Provides business insights — KPIs, trends, forecasts, performance signals, risk indicators and measured outcomes that help agents understand what is happening and what may need attention.
Business insights → OPULENCEBusiness Cloud — Discovery
Business Context
Business Context
→
OPULENCE
Learn · Reason · Govern · Act
Learn · Reason · Govern · Act
←
SKY — Analytics Cloud
Insights & Outcomes
Insights & Outcomes
SKARTIO AI Model Families inside OPULENCE
Different business functions need different kinds of intelligence. OPULENCE gives each Business Agent a purpose-fit default model and, where permitted, approved alternatives so businesses can balance depth, speed, creativity, privacy and operating context without dealing with underlying model complexity.
Model availability is governed by the agent, business policy and user entitlement. A user can switch only among models approved for that agent.
LotusPrivate Business IntelligenceBuilt for controlled, business-sensitive work where consistency, privacy and dependable day-to-day assistance matter most.Best fit · Operational & private use
OleanderDeep Analytical ReasoningDesigned for complex analysis, structured problem solving and multi-step business reasoning where deeper evaluation is required.Best fit · Analysis & complex decisions
OrchidPrecision Decision IntelligenceA strong choice for high-quality business reasoning, advisory work, structured outputs and decisions that demand precision.Best fit · Advisory & decision support
JasmineMultimodal & Creative IntelligenceSuited to work that blends documents, visual understanding, content creation and fast interaction across multiple information formats.Best fit · Creative & multimodal work
LavenderStrategic Context IntelligenceOptimized for broad context, management thinking, complex narratives and strategic situations that require sustained understanding.Best fit · Leadership & strategy
Why multiple model families? Because the best intelligence for a customer-service question may not be the best intelligence for strategic planning, creative work or sensitive internal operations. OPULENCE keeps that choice governed while giving the business practical flexibility.
Business Agents
Eight agents. Eight business responsibilities. One intelligent foundation.
Each agent is specialized around a practical operating role, but they can collaborate through OPULENCE when an outcome spans multiple functions.
Management IntelligenceBusiness Advisor
RisksWhat needs attention
PrioritiesWhat matters now
ActionsWhat to do next
Management questionFrom “what happened?” to “what needs leadership attention next?”
01 · Executive & Business Operations
Business Advisor
An AI management intelligence layer that connects performance, risks, priorities and actions across the business.
CEO / Business HeadFunctional LeadersManagement Team
Mandate
Turn performance signals, risks and cross-functional context into a clear management agenda and evidence-backed priorities.
What it watches
KPIs, exceptions, targets, operational risks, customer/revenue movements, unresolved decisions and cross-functional dependencies.
Decisions & actions
Prepare executive briefs, identify priorities, recommend interventions, connect owners and track whether agreed actions improve outcomes.
Faster management decisions, better prioritization and stronger execution focus.
Customer ServiceSupport Agent
ResolveQuestions & cases
ContextCustomer history
EscalateWhen humans matter
Management questionResolve directly, guide the customer, or escalate with full context.
02 · Customer Experience
Support Agent
An AI customer-service layer that understands customer context, resolves routine needs, manages requests and brings people in at the right moment.
Service LeaderSupport ManagerSupport Team
Mandate
Improve customer resolution speed and consistency while preserving the right human handoff for sensitive or complex situations.
What it watches
Customer history, open requests, issue patterns, entitlement/context, repeated contacts, service risk and unresolved cases.
Decisions & actions
Resolve routine needs, guide customers, prioritize cases, coordinate next steps and escalate with context when human intervention adds value.
Faster service, consistent resolution and reduced support workload without losing human control.
Business ContentContent Creator
DocsLetters & assets
ImagesBusiness creatives
BrandContext & control
Management questionTurn a business brief into the right asset, format and approval-ready output.
03 · Content & Brand Operations
Content Creator
Creates business documents and images using company context, brand rules, reusable templates and approval-ready workflows.
Marketing TeamBusiness TeamsBrand Owners
Mandate
Create business-ready documents and visual assets faster while keeping company context, brand consistency and approvals in control.
What it watches
Campaign brief, business objective, brand rules, audience, product/service context, existing assets and approval requirements.
Decisions & actions
Create documents and images, propose variants, reuse approved patterns, prepare campaign packs and move work through review-ready workflows.
Faster content production, stronger consistency and lower creative turnaround effort.
People OperationsHR Agent
PeopleEmployee context
PolicyControlled support
OpsDaily HR work
Management questionHandle routine people operations quickly while keeping sensitive decisions human-controlled.
04 · Workforce Operations
HR Agent
Helps HR teams and employees manage everyday people operations with faster service, clearer policy guidance and governed actions.
HR LeaderPeople ManagerEmployees
Mandate
Reduce routine HR administration while improving employee service, policy consistency and operational follow-through.
What it watches
Onboarding status, attendance/leave, employee requests, payroll inputs, policy questions, pending approvals and service bottlenecks.
Decisions & actions
Guide employees, coordinate HR tasks, follow pending actions, prepare payroll inputs and route sensitive matters to authorized people.
Lower HR administration effort, faster employee response and stronger policy consistency.
Revenue IntelligenceRevenue Agent
LeakageMissed revenue
RiskCash & renewal
RecoverBest actions
Management questionWhere is revenue at risk, how much matters, and which action can recover it?
05 · Revenue Protection & Growth
Revenue Agent
Continuously detects revenue leakage, cash-flow exposure, renewal risk, commercial erosion and recovery opportunities.
CFO / Revenue LeaderFinance ManagerCommercial Teams
Mandate
Protect expected revenue and cash by detecting leakage, exposure and commercial risk early enough for teams to intervene.
What it watches
Unbilled value, renewals, receivables, cash-flow exposure, pricing/margin erosion, conversion leakage, concentration and forecast variance.
Decisions & actions
Quantify exposure, rank recoverability, recommend recovery actions, coordinate billing/sales follow-up and track recovered outcomes.
Protect revenue, surface cash risk earlier and focus teams on the most recoverable opportunities.
Billing ControlBilling Agent
VerifyInbound/outbound
CorrectRevise & reconcile
ImprovePolicies & process
Management questionIs the bill correct, approved, collectible and progressing through the right process?
06 · Billing Operations
Billing Agent
An operational billing control agent focused on correctness, verification, overdue exposure, approvals, partial payments and process improvement.
Finance OperationsBilling ManagerAccounts Team
Mandate
Improve billing correctness, control and bill-to-cash execution while reducing disputes, rework and approval delays.
What it watches
Bill exceptions, revisions, inbound/outbound verification, pending approvals, overdue balances, partial payments and recurring process defects.
Decisions & actions
Detect errors, support corrections, verify bills, chase approvals, reconcile partial payments and recommend billing-policy/process improvements.
Fewer disputes and overpayments, faster bill-to-cash and a more controlled billing process.
Sales ExecutionSales Assistant
DealsMove forward
BlockersRemove friction
ExpandUpsell / cross-sell
Management questionWhich deal, customer or salesperson needs attention now—and what action will move revenue forward?
07 · Sales Management & Execution
Sales Assistant
Acts contextually as an AI deal coach, Virtual Sales Manager or AI Sales Leadership Advisor—depending on whether the user is a Sales Executive, Manager or CSO.
CSO / Sales HeadSales ManagerSales Executive
Mandate
Function from AI deal coach to Virtual Sales Manager—keeping pipeline moving, removing blockers and growing customer value.
What it watches
Deal stage/age, engagement, follow-ups, proposals, blockers, customer usage, renewals, expansion signals, forecast confidence and team execution gaps.
Decisions & actions
Prioritize deals, recommend next best action, drive follow-up, surface blockers, coach teams, identify upsell/cross-sell and flag leadership interventions.
Convert more pipeline, shorten sales cycles and grow more revenue from existing customer relationships.
Marketing GrowthLead Qualifier
IntentBetter leads
CPLCost control
PipelineTarget coverage
Management questionWhere should marketing invest next to create the pipeline sales actually needs?
08 · Marketing, Lead & Growth Intelligence
Lead Qualifier
Works contextually as an AI Marketing Assistant, Virtual Marketing Manager or CMO/Growth Advisor to improve lead quality, campaign economics and sales-pipeline creation.
CMO / Growth HeadMarketing ManagerMarketing Executive
Mandate
Turn marketing spend into qualified sales pipeline by continuously learning from lead intent, qualification, conversion and revenue outcomes.
What it watches
Lead intent, source/campaign, qualified and converted leads, CPL, qualified CPL, ROAS, funnel leakage, budget utilization and pipeline coverage.
Decisions & actions
Prioritize high-intent leads, advise campaign strategy, forecast pipeline needs, monitor CPL thresholds, recommend budget shifts and close the marketing-sales loop.
Generate more qualified pipeline from the same marketing budget and connect marketing decisions to actual revenue outcomes.
Start with the business outcome
Bring Agentic AI into the work your teams already do.
Start with one high-value use case, connect the right Business Cloud context and SKY insights, define the human-control boundaries, and let OPULENCE power an agent that delivers measurable business value.