EconomicoFeatures
Everything your agent runs. One ledger.
Economico is a full finance function — books, billing, bills, startup credits, planning, and reporting — run by the AI agent you already use. Start with real books from day one, then grow into the decisions a CFO would help you make.
Start here
Real books from day one.
01
Real books from day one. No finance hire.
Accountant-grade, accrual-basis double-entry books seeded at signup and kept by the AI agent you already use — no finance hire, no journal editor, no year-end scramble.
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02
You care about cash. Investors and the IRS care about accruals.
Start on accrual basis from day one instead of cash — and skip the painful, paid conversion most startups face a year or two in. Your agent and the ledger handle the recognition and matching.
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03
Every account, its own balance — on your books.
Track every bank account and wallet as its own balance on your books — know what's in Mercury checking vs. savings vs. your USDC wallet, and land each payment in the right one. No bank logins handed over, by design.
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How it runs
Agent-run finance, under your control.
Get paid
Built for how you actually bill.
01
Get receivables off your plate.
Your agent runs accounts receivable end to end — draft, send, record payment, and report recognized revenue — with every invoice and payment posted to real books automatically.
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02
Contract first. Invoice from it.
Real, standardized contracts from open-source Common Paper templates that back every invoice and break into billable obligations — no lawyer, no custom contract editor.
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03
A billing model your books understand.
Express any pricing model — retainers, subscriptions, usage, credits — as obligations that bill correctly and land in real books as MRR, deferred revenue, and margin per plan.
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04
Normal invoices. Stablecoin settlement. Clean books.
Invoice in dollars, settle by bank transfer or stablecoin the way your clients already prefer, and have every recorded settlement land in clean, auditable books — no chain explorer, no manual journal entry.
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05
Pay and get paid on the right rail.
Register ACH details, wallet addresses, Flow, and card rails once, price every route, and let your agent pick the cheapest or fastest way to pay and get paid while the books land in the right account.
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Track spend
Every cost in the same books as revenue.
01
No more year-end receipt hunt.
Record vendor bills and expenses against the right accounts, keep approval separate from payment, and put spend in the same double-entry books as revenue — so margin and burn are real.
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02
Know your credit runway before the bill hits.
Know what your cloud and AI bill becomes when the credits run out. Startup credits draw down on your books automatically, your true cost stays visible, and you get a warning before any credit expires.
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Decide & report
Numbers to run the company and report it.
01
MRR, margin, and runway without the CSV ritual.
The operating numbers a CFO would give you — margin, unit economics, runway, burn, concentration — on demand from your real books, so you decide on numbers instead of instinct. No analyst.
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02
Know what each customer earns you — after the bill to serve them.
Meter what your customers consume and what your vendors charge you to serve them — on one ledger. Usage becomes revenue on one side and cost on the other, so your true margin per customer and per unit is a number you can read, not a spreadsheet you rebuild.
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03
Runway what-ifs without spreadsheet chaos.
Test any decision — a price change, a hire, a new deal, a churn — against your real numbers in a disposable scenario, then discard it. Your real books never move.
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04
Burn and runway from your real books — then run the what-ifs.
The revenue forecast, budget, and runway projection investors expect — built from your real books, in base/bull/bear, and tracked against actuals. No fragile spreadsheet model.
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05
Answer investor questions from real numbers.
Board-ready metrics that tie to your actual books — MRR, ARR, NDR, burn, runway, default-alive — generated on demand, not re-keyed into a deck at 2am.
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06
Equity and SAFEs, correctly on your books.
Record a share issuance or a SAFE — or reconcile your Carta or Pulley cap table in — so financing lands on your balance sheet as what it is. Not a Carta replacement; the equity side of your books, kept right.
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07
Share current numbers without losing control of the story.
Share your live financials with a private link — pick the reports, set an expiry, share a scenario instead of your live books, and revoke any time. No login, no account, no stale PDF.
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08
Audit-ready, not audit-scramble.
A GAAP audit pass on demand that ties out your statements, ranks misstatements with the fix, and hands your accountant a clean year-end export. Recommends, never posts.
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Get started
The finance team you don't have to hire.
Every feature here runs through the AI agent you already use. Start with real books from day one, then ask the operating questions a CFO would answer.