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ONE3.ai

How it works · Flow F2

Every lead answered fast, every deal invoiced and reconciled

Leads from ads, forms, WhatsApp and calls move through CRM, quoting, e-sign, GST invoicing, UPI payment and ledger posting, with humans approving discounts and contracts.

What the Lead to cash flow does

Lead to Cash is the Year-1 anchor flow for agencies and SMB growth teams. It connects the apps a lead touches between the first ad click and the payment landing in the books.

A lead arrives from an ad, a form, WhatsApp or a call. CRM creates the lead with its source attribution. An agent enriches, deduplicates and scores it. Leads below the threshold go to a Marketing nurture journey; leads above it get an owner, human or AI SDR, and an SLA timer.

First contact is drafted for WhatsApp, email or a call. Meetings are booked and briefed, and meeting notes become a proposed CRM update. Quotes are built in Sales & CPQ within the delegation-of-authority (DoA) matrix; a discount beyond DoA goes to a manager. Proposal and e-sign follow. When the deal is won, Billing raises the invoice or subscription with a GST e-invoice, sends a UPI payment link and runs dunning. The payment posts to the ledger and is reconciled, and an onboarding project starts for Customer Success.

CRM is planned for W1 and GA in W2; Billing & Invoicing lite for W2. Some later steps (Customer Success, full Projects, Sign) are W3 modules.

Every step on this page is an Action: a typed verb with a risk tier (R0 read-only to R4 irreversible or financial), a permission check and a reversibility class. Agents and humans call the same Actions, so the same approval rules apply whether a person clicks a button or a Digital Employee acts.

Lead to cash, step by step

Fifteen steps. Agent roles and human approvals are named on each step.

  1. 1

    1. Lead arrives

    **Marketing · Forms · WhatsApp channel.** An ad click, form submission, WhatsApp message or call starts the flow.

  2. 2

    2. Create the lead with source attribution

    **CRM & Sales · CRM.** Action `crm.lead.create` records the lead and where it came from, for later attribution.

  3. 3

    3. Enrich, dedupe and score

    **AI Workforce · Lead Enrichment & Dedupe Agent.** The agent enriches the record, proposes merges and scores the lead against the tenant's rules.

  4. 4

    4. Threshold check

    **CRM & Sales.** Leads below the threshold go to a nurture journey in Marketing and come back for re-scoring. Leads above it move on.

  5. 5

    5. Assign an owner and start the SLA timer

    **CRM & Sales.** The lead is assigned to a person or to the **AI SDR** agent (A2, moving to A3 when earned). An SLA timer starts.

  6. 6

    6. First contact within SLA

    **AI SDR · WhatsApp, email or call draft.** First touch is drafted or sent per the agent's earned autonomy. External messages are risk tier R3.

  7. 7

    7. Meeting booked with a prep brief

    **Office · Calendar integration.** The meeting is booked and a sales assistant agent prepares a brief from CRM and Knowledge.

  8. 8

    8. Meeting captured, CRM update proposed

    **Meeting-to-CRM Updater.** Notes from the meeting become a proposed CRM update that a human approves in one tap.

  9. 9

    9. Deal stages and a CPQ quote

    **CRM & Sales · Sales & CPQ.** The deal moves through stages. A quote is built within the DoA matrix by the sales assistant agent (A2).

  10. 10

    10. Discount beyond DoA? Manager approves (R3)

    **Human gate.** Any discount above the delegation-of-authority limit goes to a manager in the Approvals Inbox.

  11. 11

    11. Proposal and e-sign (R4)

    **Build · Documents · Office · Sign.** The proposal goes out for e-signature. Contract signing is R4 and always needs a human.

  12. 12

    12. Deal won, invoice raised

    **Finance · Billing & Invoicing.** Event `crm.deal.won` triggers an invoice or subscription with a GST e-invoice via a GSP partner (**verify**).

  13. 13

    13. UPI or payment link, then dunning

    **Finance · Billing · Collections Reminder Assistant.** A payment link is sent. The collections agent sends reminders (A3). Payment plan changes are R4 and stay with a human.

  14. 14

    14. Payment posted and reconciled

    **Finance · Accounts.** Event `acc.payment.received` posts to the ledger and runs bank reconciliation. Invoice cancellation or a credit note is R4.

  15. 15

    15. Onboarding project and health tracking

    **Work · Projects · CRM & Sales · Customer Success.** An onboarding project is created and the customer's health score starts.

Agent roles, gates and KPIs

ItemDetail
Agent rolesAI SDR (qualify, first touch — A2 to A3); Sales assistant (prep, notes, quotes — A2); Collections agent (reminders — A3; payment plan changes R4)
Human gatesDiscounts beyond DoA (R3); contract signing (R4); invoice cancellation or credit note (R4)
KPIsSpeed-to-lead, lead-to-meeting %, win rate, sales cycle days, DSO, AI cost per won deal

Apps involved

Each step runs as a typed, permissioned Action inside one of these apps. Nothing happens outside the Action contract.

CRM & Sales

CRM holds the lead, contact, company and deal; Sales & CPQ builds quotes within DoA; Customer Success tracks health after the sale.

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Marketing

Forms, ads and WhatsApp campaigns create leads; nurture journeys hold leads below the score threshold.

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Finance

Billing & Invoicing raises GST e-invoices and payment links; Accounts posts payments and reconciles.

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AI Workforce

AI SDR, Meeting-to-CRM Updater, Quote Follow-up and Collections Reminder agents do the routine work under supervision.

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Office

Calendar and meeting integrations book meetings and capture notes; Sign handles e-signature in later waves.

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Work

An onboarding project is created when the deal is won.

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Platform

WhatsApp channel, Approvals Inbox and the Action Bus enforce SLA, consent and approval rules.

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Questions about this flow

Can the AI SDR send messages without approval?

Only after it earns autonomy. It starts in shadow mode, moves to drafting with one-click approval, and can act on its own for R3 messages only after measured agreement and a minimum Eval Coverage Score.

Who approves discounts?

The delegation-of-authority matrix in the Company Constitution decides. Any discount above the limit goes to a named manager.

Does One3 file GST itself?

One3 plans to raise GST e-invoices through a licensed GST Suvidha Provider. Tax treatment and thresholds are items to verify with a chartered accountant.

Can an agent cancel an invoice?

No. Invoice cancellation and credit notes are R4 Actions. They always need a human approval and a second factor.

When is this flow planned?

CRM is planned for W1 with GA in W2, and Billing & Invoicing lite for W2. The full flow through Customer Success depends on W3 modules.

Run Lead to Cash with us early

Design partners help us test speed-to-lead, quoting and collections on real work during W1–W2.

Become a design partner

Apps involved

Where this happens in One3

Platform

One governed foundation for every human, AI agent, integration and channel

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CRM & Sales

A WhatsApp-first CRM where sellers and Digital Employees work the same pipeline

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Marketing

Consented, measurable marketing across WhatsApp, email, search, ads and social

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Work

Projects, time and product delivery for people and Digital Employees, tied to invoices

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Office

Mail, calendar, files, meetings and signatures attached to the work they are about

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Finance

Bill, collect, pay, account, plan and comply on the records your business already keeps

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AI Workforce

Rent ready-made AI Digital Employees that work for your team, with a monthly ROI statement

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