EconomicoFinancial accounts
Every account, its own balance — on your books.
Register the bank accounts and wallets you already have — Mercury checking, a savings account, a Brex card, a USDC wallet — and each one keeps its own balance on your ledger. When you pay a bill, record which account it came out of, so "how much is in each account, and where" is one question your agent answers instead of three dashboards you reconcile.
"How much is in each account, and where?" — asked once, answered once
You ask the agent you already use, in plain language, and it reads back Mercury checking, your treasury account, and the USDC wallet in a single reply — then pays the bill out of the account you named. One question, one answer. Not three dashboards you open in three tabs and add up by hand.
How much cash do we have in each account right now — Mercury checking, the treasury account, and the USDC wallet — and pay the AWS bill from checking.
Each account you already have becomes its own balance on the cash line
Tell the agent which accounts you bank with — Mercury checking, a savings or treasury account, a Brex account, a USDC wallet — and each one is registered as its own sub-balance on your books. Two same-currency accounts no longer blur into one lumped "cash" number. Your operating float and your treasury reserve are separate lines, the way you actually hold the money.
- Mercury checking $79,200
- Treasury account $90,000
- USDC wallet $12,000
Pay from a named account, and that account's balance moves
When you record a payment or pay a bill, you name the account it came out of, and that account's balance goes down — so per-account cash stays accurate on its own without a reconcile step. A payment also refuses to draw from an account that doesn't have the funds, so you can't accidentally overdraw checking to cover a bill treasury was meant to pay.
The books hold your cash the way you hold it — not one number to reconcile
Because every account keeps its own balance from what's recorded, "how much is in each account, and where" is a live figure your agent reads back on demand — not a monthly exercise of logging into each bank and wallet. After SVB the standing advice became "use multiple banks," so multiple accounts is the norm now; this is the ledger layer that keeps them straight.
"Doesn't this mean handing over my bank logins?"
No — and that's the point. Economico isn't a bank or an aggregator; it opens no accounts, holds no balances, and there's no bank feed, sync, or stored login. No vendor, Economico included, holds the keys to your money. Instead the agent you already trust brings the data in through whatever it already connects to — a bank API, a statement export it reads, or each payment recorded as it happens — and your ledger keeps each account's balance from that. Your balances reflect what's been recorded, so record payments through each account and they stay right. Control over convenience, by design.
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Give every account its own balance, without giving up the keys.
Connect the agent you already use and give every bank account and wallet its own balance — without handing anyone the keys to your money.