Changelog

July 2026

July 8 — Open to every founder, with a simpler price

Economico is no longer limited to YC founders. Sign up with your work email and your agent starts running your books right away — no verification step to unlock anything. Pricing is one simple fee: 0.10% of your monthly revenue with a $5 minimum per 30 days. That’s it — how you get paid (card, bank, or stablecoin) carries no Economico surcharge. YC founders still get a deal — verify your YC status and your first $100,000 of revenue is free (a lifetime allowance, not per month).

July 8 — One account, many payment identifiers — and your agent picks the cheapest route

A modern account rarely has just one number. A Stripe balance can receive USDC on several blockchains and ACH transfers that auto-convert; a single wallet key works across every EVM chain. Previously each identifier had to be added as its own account, splitting one real pool of money into several balances. Now you register the account once and attach each way in and out to it: bank details as standard payto:// addresses, blockchain addresses with the exact chains and tokens they accept, plus card and Notabene Flow collection — each with its real pricing (fixed fees, percentages with minimum/maximum caps, conversion spreads, network-fee estimates) and typical settlement time. Ask quote_payment_routes for the cheapest — or fastest — way to move or receive an amount, and it ranks every eligible route, including only what a specific vendor can accept when you store their payment details on the vendor record (for Flow counterparties, their agent and address from a previous payment is all it takes). Payment fees now land on your books correctly too: record a payment with its fee and the invoice settles in full while cash lands net, with the fee posted to Payment Processing Fees. Flow invoices automatically advertise the stablecoins and addresses you can actually receive, and incoming settlements reconcile to the right account by matching the receiving address. Available as MCP tools, REST (/v1/payment-endpoints, /v1/payment-routes/quote), and the CLI.

July 7 — Your Economico contract now states its exact pricing terms

The contract Economico writes into your books when you sign up now spells out the real deal as first-class terms: the revenue fee is recorded as 0.10% of your recognized revenue with a $5 minimum per 30-day cycle, and any YC founder allowance written on the obligation (verified YC founders pay no revenue fee on their first $100,000 of recognized revenue, all-time). Your fee invoice is computed from those recorded terms — not from anything hidden on our side — so reading your contract tells you exactly what you’ll pay, and verifying as a YC founder now shows up as a dated contract amendment raising your allowance. The same machinery is yours to use: a new revenue_share obligation type lets any contract carry a percentage-of-revenue or percentage-of-volume fee with an optional free-tier floor.

July 6 — Invoices and bills stay in their own lists

Listing your invoices now shows only the invoices you send to customers, and listing your bills shows only the bills you receive from vendors. Previously the invoice list mixed in vendor bills too, which made your receivables hard to read at a glance. Money owed to you and money you owe are now cleanly separated.

July 6 — Spread annual costs over the year they cover

When you pay for something once that you’ll use all year — insurance, an annual software license, a domain or trademark renewal, a prepaid retainer — expensing the whole thing in the month you paid overstates that month’s costs and makes every later month look cheaper than it really is. Now, when you record a bill or receipt, your agent can tell Economico how many months the cost covers, and Economico holds it as a prepaid asset and moves a slice into expense each month over that period — the mirror of how annual revenue is already recognized. It catches up automatically on a schedule, and you can pull an amortization schedule any time to see what’s been expensed and what’s still on the books.

July 5 — One currency, no surprise ledgers: the books are now USD-only

Your books are kept in US dollars, full stop. Before this change, recording a receipt in euros quietly opened a parallel EUR ledger next to your USD one — separate cash accounts, separate report sections, numbers that never added up to one total. Now every amount posts in USD (or a USD-pegged stablecoin like USDC — stablecoin settlement is unchanged), and if your agent hands over a foreign-currency amount, it gets a clear message telling it to convert to USD first. Nothing is lost in the conversion: invoices, bills, and receipts carry new original_currency / original_amount fields, so that €42.50 receipt is booked as dollars while the document remembers exactly what it said. Reports, balances, and metrics all add up in one currency again. Multi-currency books may return later as a real feature — with exchange rates done properly — but until then, simplicity wins.

July 5 — Usage metering: meter what customers consume (and what you consume), with prepaid credits and per-unit margins

Usage-based pricing needs more than a price per unit — it needs the units. Your agent (or your own product’s backend, calling one simple endpoint) can now record every metered event: API calls your customers make, tokens you burn with your AI vendor, seats, gigabytes, whatever you price by. Each event hits your books the moment it happens — usage revenue and usage cost land immediately, so your P&L is always current, and a retried send never double-counts. Prepaid credit models work end to end: grant a customer (or track your own) pool of credits, watch it draw down as usage is metered, get a heads-up in your inbox when it runs low, and let unused credits convert to revenue when they expire. And because vendor meters can be linked to the customer revenue they support, your agent can finally answer the unit-economics question: what does one unit of what we sell actually cost, and what’s the margin on it — per customer, per metric. Batch ingestion (up to 1,000 events per call) keeps high-volume meters cheap; the CLI grows a matching usage command family.

July 5 — Change a deal over time: amendments, renewals, and a full price history

Contracts now evolve the way real agreements do. When a customer upgrades, downgrades, or renegotiates — or a vendor changes their terms — your agent can amend the contract with a new set of terms and an effective date, keeping the same agreement, or replace it with a fresh contract that supersedes and links back to the old one (a proper re-paper). Either way, the previous terms are kept, not overwritten — so you can ask what a customer was paying on any past date, and your recurring revenue base is reconstructable at any point in time instead of only “right now.” Works the same for what you sell and what you buy. Available to your agent, over the API, and in the CLI (contracts amend / contracts replace).

July 5 — Posting a journal reads like plain English

When your agent posts a journal entry directly, it now names each account by its plain parts — the account number, the currency, and (where it applies) the customer, SKU, or bank account it’s for — instead of an opaque code. The chart of accounts hands back exactly those fields, so an entry is self-describing and easy to check, and Economico verifies the customer or bank account you name actually exists before the entry posts.

July 3 — Board-grade SaaS metrics: the net-new-ARR waterfall, retention, and a shareable investor dashboard

Your agent could already pull today’s ARR, burn, and runway. Now it can tell you how the month moved: net new ARR broken into new, resurrected, expansion, contraction, and churn — customer by customer — plus net revenue retention, gross retention, logo churn, burn multiple, Rule of 40, and a first-cut LTV, with 12-month trend lines on every figure. Economico snapshots your recurring customer base as you go (history builds forward from today), and every number carries its definition and an honest note when the data can’t fully support it yet. The whole thing renders as an investor dashboard — headline figures, the waterfall chart, supporting metrics — right where your agent works, and you can hand an investor a live link to it (revocable, optionally expiring) instead of a stale PDF. What-if scenarios show how a deal you’re modeling would move the waterfall too.

July 3 — Annual plans now recognize revenue the right way

When you bill a customer for a year up front, that money isn’t earned yet — it’s earned month by month as you deliver the service. Economico now books it that way automatically: send an invoice for a yearly plan and the amount lands in deferred revenue, then moves into revenue a month at a time over the year, with no work from you (a scheduled run posts each month’s entry, and your agent can run it on demand or project it inside a planning scenario). Ask your agent for the new revenue-recognition report to see, per invoice, how much has been earned so far, how much is still deferred, and the month-by-month schedule — the numbers an investor or auditor expects a subscription business to have. Monthly plans and one-off charges are unaffected, and voiding an annual invoice cleanly unwinds whatever had been recognized.

July 3 — See your P&L as a flow chart, for any period

Your income statement now renders as a Sankey flow diagram: revenue sources fan into your total revenue, which then splits across expenses and what’s left as profit — so where the money comes from and where it goes is one glance instead of a wall of numbers. Hover any band to see the exact amount and its share of revenue. Pick the window you care about — this month, this quarter, year to date, a specific month or year — and the chart and the numbers follow. It shows up wherever your agent shows reports, and on any report link you share, with a plain table a click away.

July 3 — Log an expense you already paid, in one step

Not every expense needs an approval. When you’ve already paid for something — a card charge, a subscription, anything with a receipt — your agent can now record it in a single step instead of the receive → approve → pay flow a bill needs. It books the expense straight against the account the money came out of and marks it paid, no liability left hanging. Bills you still owe keep their approval step; receipts skip it. Both show up together in your bills, and you can filter to just receipts or just bills whenever you want.

July 2 — Pull your full ledger, entry by entry

Your agent can now list every journal entry in your books, not just look one up by id — newest first, complete with both sides of each posting. Page through the whole history a chunk at a time, and narrow to a single currency or a date range when you only want a slice (say, everything booked last quarter). It’s the read side of the ledger an accountant or auditor asks for when they want to see the raw entries behind your statements.

July 2 — See at a glance what each contact is

When your agent lists your contacts, each one now comes tagged with the roles it actually plays — customer, vendor, founder, investor, or bank/wallet provider — worked out from your real records: its contracts and invoices, your cap table, and your linked accounts. A contact can carry several at once (a founder who’s also a customer shows both), so you can tell who’s who without opening each one.

July 1 — Set your whole company up in one guided flow

Once your agent is connected to Economico, it can now walk you through first-run setup end to end — no hunting for the right steps. Fill in your company profile (legal entity type, jurisdiction, a one-line description), register your bank and wallet accounts, and stand up your cap table with share classes and founder shares — all in a sensible order, with a check-in before anything posts to your books. From there it points you to the right next step: pricing, customer contracts, or scanning your email for vendor bills and receipts.

July 1 — A cap table that lives with your books

Your agent can now keep a basic cap table right next to the ledger — no separate spreadsheet. Set up your share classes (common, preferred, …) with their authorized share counts, then record who owns what: issue founder shares, sell shares to an investor, or take in a SAFE. Every issuance posts the matching journal automatically, so your equity stays in sync with the books, and you can pull up the cap table any time — who holds how many shares in each class, their ownership percentage, and any outstanding SAFEs. Because it runs on planning scenarios too, you can model a funding round as a what-if before it happens.

July 1 — Point a contract at any agreement URL

When your agent records a customer contract, it can now link to whatever master service agreement you actually use — your own terms, a signed PDF, a standard template, any web address — instead of being limited to a fixed set of URLs.

June 2026

June 30 — Track expenses a founder paid personally

Paid for something on your own card before the company had a bank account? You can now book it as money the company owes you, tracked per founder. Later, either have the company pay you back or roll it into your equity — your call, and you don’t have to decide up front.

June 30 — Name your bank accounts and wallets

Register your real cash accounts as first-class, named things — “Mercury checking”, “Mercury savings”, a stablecoin wallet — each tied to the bank or wallet provider and tracked with its own balance. Two accounts in the same currency no longer blur together: your agent can see what’s in checking versus savings at a glance, and pay a bill or record a payment from the specific account the money actually moved through. Works across the chat, the API, and the CLI.

June 30 — Reusable pricing plans

If your business sells from a standard price list — SaaS tiers, say — you can now define each plan once and reuse it. A plan is a named bundle of charges (monthly subscriptions, one-time fees, usage rates), and your agent can spin up a new customer’s contract straight from a chosen plan instead of rebuilding the terms by hand every time. Tweak a line for one customer — bump a price, drop an add-on — right at signup. Each contract takes its own copy of the plan, so editing a plan later never disturbs deals you’ve already signed. Building a fully custom contract by hand still works exactly as before.

June 29 — Embeddable invoices and contracts, plus a month-by-month P&L

Any invoice or contract now has its own clean, print-style page you can drop into a website, a customer portal, or an email — a proper document with the line items, parties, dates, and status laid out like a financial record. Your agent can also pull up that same document right inside the chat. And a new month-by-month income statement shows revenue, expenses, and net income across recent months at a glance, with the current month marked — shareable as a private link like your other reports.

June 28 — Share live reports with a private link

Hand an investor a single link to your balance sheet, income statement, or account balances — no login, no account, no back-and-forth. Your agent creates a share for exactly the reports you choose, with an optional expiry date, and gets back ready-to-send links you can email or embed on a website. You can even share a planning scenario instead of your live books. Each link shows live numbers straight from your books, and you can revoke it any time. The old public report pages (anyone who guessed your company handle could open them) have been removed — sharing is private-link-only.

June 28 — Ask for your SaaS metrics in one call

Your agent can now pull the numbers investors ask for first — ARR, MRR, ACV and run rate from your active subscriptions, plus gross margin, monthly operating burn, cash runway, and customer acquisition cost from your ledger — for any month, in one call. Ask for the whole set or just the metrics you need, and run it against a planning scenario to see how a deal or a change would move them.

June 28 — Put your startup credits on the books

Got a $15,000 Resend credit, or AWS, Google, or an AI lab? Record it against the vendor and Economico draws it down automatically as you approve that vendor’s bills — your books show the real cost while the credit covers it, you can see how much credit is left and when it expires, and a credit running low shows up in your inbox before it lapses.

June 28 — Economico is set up as a vendor in your books automatically

When you sign up, Economico now appears in your accounts payable as a vendor, with a contract that already carries your pricing — the revenue fee and the payment-processing fee. Your books show your Economico subscription from day one, ready to receive and approve bills through the normal flow.

June 28 — Per-project credentials in the CLI

Keep a different business signed in per project folder. The CLI now finds the right account automatically based on where you’re working, so you can run the books for several companies without juggling config.

June 27 — Planning scenarios

Spin up a named what-if copy of your live books to test a price change, a new deal, or a churn case — then keep it or throw it away. Your real ledger never moves; a scenario is layered on top of it.

June 27 — View and edit your business profile anywhere

Read and update your business details — display name, legal entity type, jurisdiction, and one-line description — from your agent, the API, or the CLI.

June 22 — A single agent inbox

One call surfaces everything that needs attention: draft invoices to send, overdue receivables, obligations coming due, vendor bills waiting on approval, and news about new capabilities.

June 22 — Support requests and feature ideas, in-band

Send a question or a feature suggestion straight to the Economico team without leaving your agent, and list what you’ve already filed.

June 21 — Attach source documents to invoices and bills

Record the counterparty’s document number and a link to the original PDF on every invoice, bill, and receipt — and look them up by that number later.

June 19 — The CFO skill pack

Guided agent workflows for setup, financial analysis, pricing, contracts, invoicing, expense tracking, and investor reporting — built on top of the tools so your agent follows a sound finance process, not just raw API calls.

May 2026

Vendor bills and accounts payable

Receive, approve, pay, and void vendor bills, with approval kept separate from payment so accounts payable posts to your ledger correctly. The payment step won’t let you overdraw your cash account.

Contracts and billable obligations

Set up customer contracts and the obligations they bill against — one-off, subscription, or usage-based — so every invoice flows from a real agreement.

Connect your agent with one sign-in

Onboard by signing in through your browser, or register a headless agent for unattended runs. One email is one business: signing back in returns you to the same books.

Foundations

A real double-entry general ledger

Every action posts balanced journal entries to GAAP-shaped, accrual-basis books computed straight from your transactions — not a spreadsheet, a real ledger.

Invoicing and revenue

Draft, send, void, and reconcile customer invoices, and summarize invoiced, paid, outstanding, and recognized revenue for any period.

Get paid in dollars or stablecoins

Send an invoice by email or as a hosted payment link and settle in USD or stablecoins through Notabene Flow, with incoming payments posted to your books automatically.