Changelog

October 2026

October 22 — Direct read actions in ChatGPT

Your agent can choose customer, document, ledger and business reads directly. Each action shows only the inputs it needs, with shorter descriptions that explain what it does.

October 22 — Clearer report and recording actions in ChatGPT

Your agent can select each financial report directly, with the inputs that report needs. Recording an incorporation, payment fee or account transfer is labelled as recording a fact that already happened. These actions do not register a company or move money.

October 22 — Pay plan invoices through Link, MPP or x402

An authorized agent can pay an offered Startup or Solo extra-events invoice through a Link Shared Payment Token, MPP or x402. The payment exchange uses the same invoice status and recovery flow as card collection, so retries do not create a second purchase. The invoice’s returned methods and challenge tell the agent exactly which payment protocol is available.

October 22 — Read pages and errors directly from your agent

Agents can request the homepage and developer guides as Markdown using Accept: text/markdown. Missing pages explain where to look next, and REST sign-in errors include a structured recovery hint. The API reference describes error bodies, and public API reads advertise their rate-limit policy. The developer portal links to an isolated demo company, and Contact lists how to reach us.

October 22 — Finish Startup setup after a saved-card retry

If your first Startup payment needs a saved card and a later retry collects it, checking the purchase or retrying setup uses the recorded payment to activate your plan. You are not asked to pay again, and checking an unpaid purchase does not charge your card.

October 22 — Reports that open in your agent

Financial reports and customer views open correctly in the interactive MCP App. You can read the report alongside your conversation, including recurring revenue, overdue invoices and ownership.

October 22 — Find the right setup and API reference

Start with the developer quickstart to connect the CLI and read a balance sheet. Public authentication and API guides include Markdown copies, and agents can find the docs, OpenAPI reference, skills and MCP connection metadata from one linked catalog. When authentication is throttled, responses tell agents how long to wait before retrying.

On browsers with WebMCP support, agents can read the current workspace page and open its listed business views using your signed-in session.

October 21 — Explore a demo company first

Not ready to set up your own books? From signup, or while connecting ChatGPT or another agent, open TinyCRM Studio and connect it: a fictional subscription software company with fifteen months of books up to today, including monthly and annual plans, upgrades, cancellations, overdue invoices and a seed round. It is your own copy to explore and change. It is clearly marked as a demo, only you can see it, and it never takes a plan or reaches anyone else. When you are done, delete it for good, or start again from a fresh copy.

October 21 — Billing retries after a processing setup fault

If our payment-processing setup needs repair, your payment stays ready to retry. The fault goes to our operators without counting as a failed card payment or using your payment retries.

October 21 — A paid plan can finish setup after an interrupted payment

If a payment is recorded but setup is interrupted, recovery uses that recorded payment to finish the purchase. A software update or a temporary Stripe outage does not leave an already paid purchase waiting for a new payment.

October 21 — Recover past Startup subscription expenses

Economico can recover past monthly Startup fees that stayed in prepaid expenses after their service was recorded. Each month moves to subscription expense once, with its original record retained in your books.

October 21 — Annual Startup fees become a monthly expense

An annual Startup fee is spread across the twelve months it pays for. Each month moves one twelfth from prepaid expenses to software subscription expense, with the final month keeping any rounding. Past annual fees can be recovered through the same process.

October 21 — An income statement without the empty rows

The income statement lists only accounts with a balance in the period you chose, and leaves off expense groups with nothing in them, so a month reads as what actually happened.

October 21 — Invite a coworker by email from your agent

On Startup, ask your agent, in Claude, ChatGPT or any MCP client, to invite a coworker by email with read, bookkeeping or administrator access. They get an email, sign in or create an account with that address, and accept the invitation themselves; nobody has access until they do. Invitations expire after seven days, and your agent can list or withdraw the ones still pending. On Solo, your agent explains that coworkers need Startup and links to pricing.

October 21 — Closed businesses leave your lists

A business you have closed no longer appears when you choose which businesses an agent may connect to, or when you pick a business to open.

October 21 — A dedicated connection for ChatGPT

Connect your Economico business through the ChatGPT MCP interface, or create one on the free Solo plan as you connect. Each recording action has its own tool, alongside the familiar reads and reports. Your existing plan applies; when a feature needs another entitlement, the response links to pricing information. ChatGPT directory publication is pending. The bundled skill guides recording delivered work, unpaid bills and partial receipts, then checking profit, cash and outstanding balances.

October 21 — More complete setup and review guidance

The agent skill guides setting up a price book before the first sale, keeping payment evidence, finding bank and card branding, and recording completed vendor services. Founder review shows the price book and costs before asking for decisions; missing ownership details stay gaps.

October 21 — Paid-plan setup handles an update to payment processing

When you start a paid plan, card collection can finish even if our payment-processing setup needs an update.

October 21 — Plan payments retain any excess for return

If Stripe reports a card payment above your plan invoice, the invoice is marked paid and the excess is recorded as money owed back to you. Retrying the payment records it once, without another charge.

October 21 — Monthly Startup fees appear as an expense

Your monthly Startup fee is recorded as a software subscription expense when its period starts, including the first paid period. A credit for a written-off invoice reverses that expense too. Annual fees remain prepaid while their recognition policy is being decided.

October 20 — Exchange rates and comparisons across currencies

Your agent can look up a current or historical exchange rate through the reports tool, with the source and observation date beside the exact rate. This helps check a price in another currency without recording anything in your books. Payment amounts still come from evidence of what was actually paid.

Reports can show indicative totals in your functional currency beside the native books, with the rates used and a clear unavailable state when a rate is missing. Recurring metrics, cash runway, default-alive projections and unit economics use combined inputs, while keeping amounts already booked at their transaction rates. The workspace and human CLI output preserve native currencies and separate statement periods. Platform-fee previews can include revenue recorded in another currency, with the original amount and rate visible; previews record no charge. For prepared-book presentation, a signed-in human can approve a sourced rate and retain its provider details with the approval document.

October 19 — Billing shows what a cancel charged, and whether you can keep your plan

When you cancel a plan that bills extra events at once, Billing now shows that charge, how much it was and whether it is paid, and says how many events you can still record and until when. When keeping the plan would be refused, Billing says so and why, for example that the charge must be paid first, instead of offering Keep.

October 19 — Imported subscriptions aren’t invoiced twice

When you or your agent bring in a subscription from before your business joined Economico, the daily schedule no longer invoices its past months again. It invoices only what falls due after the subscription is brought in, however long after signup that is, so the invoices you import from your old books are the only ones for those months. Economico’s own invoices for your plan also arrive in your books by themselves; recording one by hand is refused, so it can never block the real one.

October 19 — Event allowance emails with the recording that reaches the threshold

On Startup or Solo with extra events, the recording that reaches 80% or 100% of your included events triggers the owners’ email straight away, as on Solo. The daily check stays as a backstop, and each threshold is emailed once per period. If you cancelled the plan, the email says where recordings stop and until when.

October 18 — Contract value reflects unbilled periods and credit notes

For fixed terms and subscriptions ended in their first year, contract value leaves out the unbilled part of an unfinished arrears period when billing and value calendars align and billing is automatic or period evidence exists. Credit notes linked to those billing periods reduce their value; a replacement invoice restores what it bills. Refunding a credit note does not reduce it again. Subscriptions valued as one year keep their annualised price. Billing previews use the agreement version from the start of each period, matching the invoice recorded for it.

October 18 — Bring in your existing books, free

Your history now comes in free. Anything you or your agents record dated before your business joined Economico, such as last year’s customers, contracts, invoices and payments, does not count toward your monthly events. It uses your one-time import allowance of 1,000 events on Solo or 10,000 on Startup once its first fee is paid (not during the trial), and the billing page shows how much is left. Anyone in your company can bring history in, and each imported entry shows who recorded it.

October 18 — Closing a business ends its paid plan

When you close a business that is on a paid plan, the plan now ends with it. The business stays open until the end of the period you already paid for, then closes, and the card saved for it is removed once its last charge is settled. Closing cancels the plan the way cancelling it does: extra events recorded so far this period are billed and charged right away, and recordings past the included events pause until the business closes. You get an email with the closing date, and the cancellation page and Billing show it. You can stop the closing until that date; the business stays open and the plan still ends with its period, and you can keep it from Billing where your agreement allows. A business with no paid plan closes at once, as before.

October 18 — Keep Startup after a cancel, and choose it again the moment it ends

If you cancel monthly Startup after using extra events, those extra events are billed at once, and that charge stands in for next month’s invoice. You can still keep Startup: once that charge is paid, Keep Startup in Billing shows a new Startup agreement that starts the day your current one ends, with its price, and accepting it keeps your plan running with no gap. Until then the period you cancelled in stays at its included events, as before.

When a plan ends, Billing now shows it as ended straight away, and you can choose Startup or extra events again at once. Any new plan starts only once every invoice from Economico is paid: while one is unpaid, choosing a plan, switching between monthly and annual, or keeping Startup with a new agreement takes you to Billing to pay it first.

October 18 — Contract value by contract, following price changes and refunds

Open a customer or vendor to see their contract value broken down by contract, each linked to it, with the total underneath. A subscription with no end date says when its figure is one year of it. Contract value now follows price changes: each month counts at the price that applied then, and a subscription still running counts a year at today’s price. When a contract ends with a refund for the unused part of a month, the refund is taken off.

October 18 — Pay a last invoice after your plan has ended

If a payment for Startup or extra events fails after the plan has ended, the link in the email now lets you save another card and pay it. Billing in Settings offers “Change card” while a plan runs or an invoice is still unpaid, and after you save a card it takes you back there. A card you save after the plan has ended, only to pay that invoice, is removed once it is paid. If the extra events billed when you cancelled are never paid, they are forgiven: we write them off and never charge them again.

October 18 — Event emails after you cancel say where recordings stop

After you cancel Startup or turn off extra events, the email about your included events no longer quotes a price for extra events, since none are billed any more. It says how many events you can still record this period and until when. If you had that email before cancelling, you get one corrected email.

October 17 — Cancelling settles this period’s extra events at once

When you cancel Startup, or turn off extra events on Solo, any extra events you have recorded so far in the current period are billed and charged right away, instead of on an invoice after the plan ends. Your plan keeps running to the end of the period you paid for, with its included events, but no further extra events: recordings past the included events are paused until it ends. If the extra events billed at the cancel started a block, you can use that block to its end. If that charge fails and is never paid, the plan still runs to the end of the period you paid for. If you cancelled by mistake and no extra events were billed, you can keep Startup from Billing in Settings. This applies to plans started from today; earlier plans keep the terms they were signed under.

October 17 — Agents can start on Solo and upgrade in their tools

Your agent can verify a recovery email, create your Solo books and connect with its own key. When you need Startup or more Solo events, an owner-authorized agent can review and accept the agreement, prepare payment and resume the blocked work after activation. Card payment is available through the browser fallback. New Startup offers have no ordinary trial; your first full paid month or year begins when Startup activates. Existing accepted terms and verified YC offers keep their agreed benefits.

October 17 — Know when an app gets access

When you authorize an app or replace its access, Economico emails you the app and permissions you approved, with a link to review or revoke access. Routine sign-ins and token refreshes do not send these notices.

October 17 — An email before your events run out

Economico now emails a business’s owners when its events this period reach 80% of what the plan includes, and again when they are all used. On Solo the email says when recordings stop and links to turning on extra events or upgrading to Startup; on Startup or with extra events it says what events past the allowance cost. If a recording is refused because it no longer fits in Solo’s events, the email goes out straight away.

October 17 — See what each customer and vendor has committed to

Your Customers and Vendors lists show each one’s contract value: what a customer has agreed to pay you, and what you have agreed to pay a vendor. Open a customer or vendor to see their contract value, what is still to deliver or receive, and what was agreed and cancelled when anything was. A subscription with an end date counts every period of its term; one with no end counts one year, its annual value. A customer that leaves in its first year keeps the value of what ran. Usage-based charges are not included. Someone who is both your customer and your vendor shows each side on its own list, never added together. Your agent can read the same figures from the contract value report.

October 17 — Startup is on sale, and Solo can go past 100 events

Startup is now available: $29 a month or $299 a year per company, not per seat, with a 14-day free trial and 1,000 events a month included, then $5 for each started 500. Choose it when you create a business, or upgrade from Billing in Settings. On Solo, save a card to keep recording past 100 events a month at $5 for each started 100. Each plan and invoice is recorded in your own books as well as ours, and your card is charged through Stripe. Cancelling takes effect at the end of the current period.

October 15 — Build your business model from patterns

Explore patterns from Business model or when starting a client contract. Combine setup fees, recurring access, usage, hourly or daily services, monthly retainers and milestone projects, with timing you can configure for each service. Per-unit components support uniform rates, graduated tiers or volume tiers, including tier-specific flat fees. Copy one brief to your connected agent to resolve the terms and save a reusable plan or prepare a bespoke draft contract. Your saved plans and rights stay visible in Business model. Selecting patterns creates no records or accepted agreements.

October 15 — Launch event allowances

Solo includes 100 new events a month; the upcoming Startup plan includes 1,000. Extra events will cost $5 for each started 100 on Solo or each started 500 on Startup. Historical imports have a separate one-time allowance of 1,000 events on Solo or 10,000 on Startup. Your recorded history is retained. Solo pauses further recordings at 100 events until the next monthly reset; you can still read, export, upgrade or set up payment at the limit. YC subscription offers keep the same event allowances and overage rates.

October 14 — Free is now Solo, and Team is now Startup

The plans have new names. Free, the full product for a founder on their own, is now called Solo, and every business is on it. Team, which adds members and shared links, is now called Startup. Startup is coming soon: it is not on sale yet, and we will say here when it is. Any agreement you have already accepted stays exactly as it was.

The agreement every company accepts when it signs up is now called the Economico service agreement. It puts you on Solo.

October 13 — Related parties and simpler bill payments

Your agent can mark a customer or vendor as related to your business and see that current classification alongside claims and unpaid bills or invoices. Recording a bill now returns the claim details needed to record its payment directly.

October 12 — Clearer business models and costs before formation

Proposed business models now show separate totals for each currency. Ended vendors stay visible but leave current spending totals, and unknown prices stay visible without turning into zero-cost estimates. Pricing and tax notes travel with the proposal.

Your company’s formation date can now be recorded from its supporting document. Income statements identify expenses from before that date as part of the existing totals, so you can see the costs of getting started without changing your books.

October 10 — Bills and invoices in other currencies

A bill or invoice in another currency is booked at that day’s exchange rate. When you pay or collect it, the difference between that rate and what the money actually came to is recorded as a realized exchange gain or loss on that bill or invoice. If no rate is on file for a date, your agent asks you for the rate on your bank statement instead of guessing one. Update the skills to economico-skills 1.9.0 (npx skills add economico/cfo-skills, or the economico Claude Code plugin) so your agent knows how.

October 8 — Clearer card spending and iPad layouts

Card spending on priced vendor bills now shows the expense category, including bills paid before the expense is recognized. Contract pages follow the payments attributed to that agreement. On iPad, long activity prices leave room for the title, large Balances tables scroll within the report, and dates in document names stay together.

October 8 — Hand your agent an invoice or receipt

Give your agent an invoice or receipt as a PDF or as text. It reads the document, tells you what it found, and records the bill or the payment you made, but only if you have allowed it to, and only for a vendor you already have an agreement with. Invoices you send to customers are not recorded this way yet. Anything it is unsure about comes back to you with the reason, so you decide.

Bills and payments recorded from a file link back to it. Files keep the names you gave them, and PDFs now open in Safari. Scanned pages are read and sorted but never booked automatically; only PDFs with selectable text can be recorded.

October 7 — Agreements say what you get; payments say who paid

Your agent can model a service, usage allowance or ownership right with its own price and billing terms, then record delivery, invoices and payments separately. Paying a vendor from your personal card leaves an amount owed to you without changing the vendor agreement.

Refunds, reimbursements, unapplied money and investment funding now have their own payment records. Money in another currency stays in that currency’s books: an exchange or a payment across currencies records both amounts, and an overdraft is recorded as it happened. Existing agreements and recorded history remain intact.

October 7 — Message the businesses you work with

Your agent can now connect your business with another business on Economico, a vendor or a customer, by its Economico address. Once they accept, the two of you can message each other from inside your sessions, and every message is kept in both businesses’ books. Messages to Economico always go through, and each one now shows whether it was delivered.

October 7 — Tell us what’s missing, from inside the session

When your agent hits something Economico can’t do yet, or gets stuck, it can now send us a support request or a feature suggestion without leaving the session. The message is kept in your business’s history, so you can see exactly what was sent, and it reaches the Economico team straight away. Replies come back the same way, and a message can point at an invoice or agreement you share with us, so a question about a bill stays attached to that bill.

October 6 — Event history says who and which document

In your workspace’s event history, a change to someone’s access now names that person by the email they sign in with, if you can see your business’s member list. The members page leads with each person’s email too. When two documents are linked, the history row names both, for example “Source document amendment-1 amends source document order-form”.

October 6 — More accurate corrections and receipts

Your agent can now record a customer refund of unearned value together with the output tax returned to that customer. Vendor credit notes cannot reverse more input tax than the original bill charged. Receipts recorded after later contract activity can still settle an earlier open invoice, and corrected tax charges no longer prevent closing a sales tax registration.

October 2 — The new Economico is live at economi.co

Economico now runs on a new system, and https://economi.co is its one address. Your agent connects over MCP at https://economi.co/mcp; the same commands and reports are in the REST API under /v1 and in the CLI.

Three things to do:

• Sign in again. Sign-in moved with the address, so every browser session, CLI login and agent connection asks you once more. Connect walks through it.
• Update the CLI to @economico/cli 1.0.0. It asks Economico which businesses you can reach and which commands each one allows, instead of carrying its own list.
• Update the skills to economico-skills 1.4.0 (npx skills add economico/cfo-skills, or the economico Claude Code plugin). The economico skill connects your agent, has it model your business from your repository, Stripe and email, records it and checks it with reports.

What the new Economico does:

• One history per business. Everything recorded in a business is appended to its own history, each entry linked to the one before it, so the books can be replayed and checked at any time. You can export the whole history, with the original documents, whenever you like, including after a business is suspended or closed.
• Books built from your agreements. Your agent records customer and vendor contracts, and the invoices, payments, usage, prepaid credits and cap table that follow from them, through the same contract terms. Economico records payments that happened; it does not move money.
• Reports that explain themselves. Balance sheet, income statement, revenue, aging, SaaS metrics, default alive, cap table and revenue per unit, and your agent can pull the postings behind any balance.
• See it in a browser. Each business has a read-only workspace at /e/{your-business}/app, and supported agents show reports and records inline in the chat.
• You decide what an agent can do. One connection can cover several businesses, and every call names the one it acts on. An agent gets only the permissions you approve, and members, ownership and cancellation approval are changed only by you, signed in.
• Set up for where you are incorporated. Signup records your country (US, Singapore, Canada or the UK), legal form, book currency and fiscal year end.

Every business starts on Free: one owner and the agents they connect. Team, which adds members and shared links, is not on sale yet.