I have generated code by AI-Chatsonic in Opera Browser.

I don't know if the code is correct.

 cf = {{{2024, 1, 16}, 324.67`}, {{2024, 2, 6}, 
     634.09`}, {{2024, 11, 20}, 356.27`}, {{2023, 12, 31}, 0}};
 discountRate = 0.05;

 presentValue = 0;
 referenceDate = DateObject[{2023, 1, 1}];
 numEntries = Length[cf];

 For[i = 1, i <= numEntries, i++, date = DateObject[cf[[i, 1]]];
  amount = cf[[i, 2]];
  timeDifference = DateDifference[referenceDate, date, "Day"];
  presentValue += 
   amount/(1 + discountRate)^QuantityMagnitude[timeDifference/365];]

 presentValue

  (*1234.51*)

Using Cashflow:

 TimeValue[ Cashflow[{{{2024, 1, 16}, 324.67`}, {{2024, 2, 6}, 634.09`}, {{2024, 11, 20}, 356.27`}, 
 {{2023, 12, 31},  0}}], .05, {2023, 1, 1}]
 (*1234.56*)

Regards M.I.