For new SaaS & consulting startups · no finance hire · books to board
The finance team you don't have to hire.
Economico gives a founder standing up a new SaaS or consulting
business real books from day one — and the finance answers a CFO would
give — all run by the AI agent you already use. Keep GAAP-shaped books,
invoice customers, pay vendors, track startup credits, test runway, and
get investor-ready without a dashboard, bookkeeper, or fractional CFO.
Scroll through Brightforge AI's first quarter — two founders, the YC standard deal, three customers. Every event lands as a balanced entry, and the statements stay tied — no bookkeeper involved.
01
You found the company
Selene and Matias incorporate Brightforge — 50/50, with $25,000 of founder cash. The first entry on the books.
We just incorporated Brightforge — two founders, 50/50. Set up the cap table.
3 tool calls
Economicocreate_share_class✓
Economicoissue_shares✓
Economicoissue_shares✓
Common stock issued 50/50. Your $25,000 of founder cash opens the books.
02
YC says yes
The standard deal wires $500,000 — $125,000 for 7% on a post-money SAFE plus $375,000 on an uncapped SAFE with an MFN. Cash up — and not a dollar of it is revenue.
We're in — record the YC standard deal.
2 tool calls
Economicorecord_safe✓
Economicorecord_safe✓
Both SAFEs recorded as financing, not income — $525,000 in the bank, revenue still zero.
03
You start building
OpenAI for inference, LangSmith for observability. The contracts are already in your inbox — the agent files them.
Add vendors and receipts from email.
4 tool calls
Gmailsearch_gmail_messages✓
Gmailread_gmail_message✓
Economicocreate_party✓
Economicocreate_party✓
Found OpenAI and LangSmith in your inbox — vendors on file with their contract terms. Nothing posts until a bill lands.
04
Your first customer signs
Fern Logistics takes the AI Workflow plan — $2,500 a month plus token usage. Signed isn't earned; the books stay quiet.
Fern Logistics signed the AI Workflow plan — set them up.
3 tool calls
Economicocreate_party✓
Economicocreate_plan✓
Economicocreate_contract_from_plan✓
Fern is on the plan — $2,500 monthly plus $0.01 a token past the included credits. Nothing posts until you invoice.
05
The first invoice goes out
January's plan plus a credit pack: $3,200. Earned, so it's revenue — and accounts receivable, not cash.
Invoice Fern for January — the plan plus their credit pack.
2 tool calls
Economicocreate_invoice✓
Economicosend_invoice✓
BFA-INV-001 for $3,200 sent. Revenue is earned; the $3,200 sits in accounts receivable.
06
Fern pays
Cash arrives on the 16th; the receivable clears. Revenue doesn't move — it was already earned.
Fern's payment just landed — record it.
1 tool call
Economicorecord_payment✓
Payment recorded against BFA-INV-001. The receivable cleared to cash.
07
The inference bills land
OpenAI $1,450, LangSmith $399 — already charged to the card, receipts sitting in your inbox. Expenses show ($1,849): red, in parentheses, the way books do.
Find and handle any bills.
4 tool calls
Gmailsearch_gmail_messages✓
Gmailread_gmail_message✓
Economicoreceive_bill✓
Economicoreceive_bill✓
Found two receipts in your inbox: OpenAI $1,450 and LangSmith $399, both charged to the card. Booked — January closes at $1,351 net income, real margin on your first customer.
08
February grows — and goes red
A second customer and a token overage — but a $5,500 prompt-engineering contractor lands too. Growth isn't margin yet.
Close February — how did we do?
2 tool calls
Economicoget_income_statement✓
Economicoget_balance_sheet✓
February revenue $5,600 against $7,949 of expenses — cumulative net income is ($998), with $5,500 still owed to PromptOps Studio.
09
The quarter closes in the black
A third customer, the contractor paid, March invoiced. Every number below ties to a posted journal.
Close the quarter and read me the books.
2 tool calls
Economicoget_income_statement✓
Economicoget_balance_sheet✓
Revenue $16,050 across three customers; net income $3,373 — back in the black, and the balance sheet ties, to the dollar.
Interactive Play · WebMCP & Prompt API
Live AI Ledger Playground
Try agent-run finance in your browser. If Prompt API and WebMCP
are available, a local agent drives the ledger. Otherwise, a sandbox
agent runs the same tool calls against your local server.
economico_terminal
Prompt API
WebMCP
Tools
▦MCP app ·
OAuth 2.1 sign-in is required to execute live tool calls.
Connected
The shift
You already run your business through an agent. Finance is the part still stuck in spreadsheets.
New founders do not wake up wanting clean books. They panic when an
investor asks for burn, a customer pays in USDC, a credit expires, or
year-end turns into a receipt hunt. The agent can help everywhere else;
the finance stack was not built for it.
Pricing, invoicing, vendor bills, startup credits, forecasting, and
board metrics — the whole finance function on one set of books your
agent runs. No dashboard, no finance hire.
AI bookkeeping does the books for you. Economico lets your own agent run them.
A wave of tools now promise “AI bookkeeping on autopilot.”
Most are a service, or a bot for one slice — an AR bot, a
month-end-close tool — bolted onto QuickBooks or Stripe, with
their AI keeping books you hand over. Economico is the opposite: one
connected ledger the agent you already use runs directly. Invoicing,
bills, startup credits, planning, and board metrics live on the same
books, under your token. No new vendor in your accounts, no second AI
to trust. The agent stays yours.
Who it's for
Made for founders before they have finance operations.
The best fit is a brand-new SaaS or consulting business with no books
to migrate and no finance person to operate them. Find your kind of
business and see exactly how your agent keeps the books from the first
invoice.
A double-entry general ledger your own AI agent runs over MCP or CLI. Invoices, bills, payments, credits, and reports are tools the agent calls — not a dashboard you click through. See founder-is-the-finance-department and AI agent bookkeeping.
How is Economico different from QuickBooks or AI bookkeeping tools?
QuickBooks and Xero are dashboard-first. Many AI bookkeeping products run their finance agents on their infrastructure. Economico is the opposite: the agent you already use runs one connected ledger for AR, AP, credits, planning, and investor metrics. Honest head-to-heads live under Compare.
Who is Economico for?
Founders standing up a new SaaS or consulting business with no books to migrate and no finance hire — especially YC and Stripe Atlas companies. Not for ecommerce, trading, or migrating existing QuickBooks books. See solutions by business type.
Can I invoice in dollars and get paid in USDC?
Yes. Invoice in USD, settle in supported stablecoins (USDC, USDT, PYUSD), and post fiat-equivalent journals to the same GL. Read the problem side on paid in USDC and the product side on stablecoin invoicing software.
How do I connect my agent?
Tell the agent you already use: Set up Economico per https://economi.co/skill.md. Or install the CFO skill pack (npx skills add economico/cfo-skills) and run setup-economico. YC founders verify via a Bookface verify link. Jump to Connect your agent.
Connect your agent
Start your books in one line.
Hand the setup skill to the agent you already use. It connects your
books and can walk YC founders through pricing verification — no dashboard, no form.
Recommended · works with any agent
Hand off the setup skill
Paste this to the agent you already use. It reads
/skill.md, connects
your books, and walks you through YC verification — no dashboard, no form.
Set up Economico per https://economi.co/skill.md
Ask your agent to set it up while you finish your coffee — real,
accountant-grade books before you’ve hired anyone to keep them.
No dashboard to learn — you talk to your agent, not an app
Nothing to migrate — clean books from your first invoice
The agent stays yours — Economico connects to nothing on its own
Free to start — YC founders get their first $500k of revenue fee-free
Real double-entry books — an accountant can audit them on day one
Before you paste that in
Do I have to give Economico access to my email, CRM, and bank?
No. Economico connects to nothing on its own. Your agent already reaches
your inbox, CRM, and files — it reads them and records what matters in
your books. No vendor sits inside your systems with standing access, and
there’s nothing to revoke, because nothing was ever granted. The agent is
yours; you stay in control.
Is this real accounting, or a spreadsheet with a chatbot on top?
Real double-entry, accrual-basis, GAAP-shaped books — seeded at signup
with the accounts a startup needs. Your accountant gets a clean trial
balance at year-end. You just never have to open the ledger yourself.
Do I need to be a crypto business?
No. Bill and get paid in dollars. Stablecoins are supported for the
founders who get paid that way — a capability, not a requirement.
Am I locked in? What if I outgrow it?
The books are yours and export clean. Nothing to migrate in, nothing
trapped on the way out.
Can I actually get in — isn’t this early?
Every account has full access from signup. If you’re a YC founder, your agent
seeds your books and walks you through the optional pricing verification — one link from
bookface.ycombinator.com/verify — and you’re
on YC founder pricing.
Dogfooded on the founder’s own company books, from Claude Code
Idempotent under agent retries — never double-sends or double-posts
One connected ledger for the whole money loop — not five tools stitched together
Try it
Things your agent can do once connected.
Plain-language prompts. Your agent picks the tools, does the math,
and posts to the ledger.
Invoice a customer
Send Acme their $6,000 monthly retainer invoice against our
MSA, due in 14 days.
Close the month
Show me March revenue — invoiced, paid, outstanding, and
recognized — then read out the balance sheet as of month-end.
Make a decision
What's my gross margin per customer this quarter, and can I
afford to make a hire?
Economico