# Automate your finance back office, from first bill to closed month URL: https://www.orla.finance/en Markdown twin of that page. Append `.md` to any Orla page URL to get one. Bank, cards, exchanges and wallets in one ledger. Free plan, no card, no time limit. #### The back office, chapter by chapter ##### 01. Mail, receipts and bills leave the queue filed Mail, receipts and expenses wait in one queue, and every row lands with its category and its paper. A supplier invoice arrives. Orla reads it: Forward it, drop the PDF, or let the Drive folder bring it in. Supplier, amount and due date are read, and the bill joins the queue. ##### 02. Money leaves on your rule, invoices settle themselves Bills go out in one batch under your rule; invoices take a card, a transfer or a stablecoin. A payout above the threshold waits for a second signature: Set a threshold and the signatures it takes. Pay from your own Mercury, Airwallex, Revolut Business or Slash account, or from a Safe: the money never passes through Orla, and nothing leaves without the signature the rule asks for. Pay from your own account: Revolut Business, Airwallex, Mercury, Slash, PayPal, Safe{Wallet}. You connect your own account with your own key, and a payment leaves from that account, never through ours. ##### 03. Every counterparty, with its papers and chats An address book, and chats that book what they are told. Every payee with its rails and its paper: Everyone you pay and everyone who pays you, with rails, checks and the last payment. Mark a payee trusted, and an address-book rule stops asking for a co-signer. ##### 04. Close the month into files, and check who you pay Reports on the same figures the screens show, the month handed over as files, and the tax year ready. Close the month, and hand it over as files your accountant imports: A checklist names what stops the close: rows without a category, expenses without paper. Then the month goes to your accountant as QuickBooks and Xero files, a journal and one archive. ##### 05. Who signs, what connects, and what runs on its own Roles and rules that say who signs what, and bank feeds and exchange keys that only read. Your own agent, not ours: Every proposal names the payee, the sum and the account before you press. An agent gets a daily cap, allowed payees and the hosts it may buy from, reads its own fence before it spends, and spends on its own only from its own wallet. A spend guard stops a machine at the ceiling you set. ##### 06. Ask the book a question. Press once on the answer It answers in cards, and nothing moves without your press. Ask, and press once on the answer: Why is the USD account lower than last month: the steps as they run, the answer with its chart, and the press left to you. It also reads the month ahead of you: this week's payments against what is free, an account that runs below its floor on the 23rd, a bill that looks like one already paid. Drawn here. The rest of the back office has pages of its own: Slack and Telegram as an input form, agents that pay on your rules, and machines that pay you over x402. #### One month at a five person studio Eight supplier bills, one signing rule, and the month handed over as files. Anything over 2,000.00 needs a second signature. That one rule split September in two. - Office rent, Príncipe Real, Sep 1, 2,400.00 USD, held for a second signature - Amazon Web Services, Sep 2, 1,284.00 USD - Deel, contractor payroll, Sep 2, 3,960.00 USD, held for a second signature - Hetzner, Sep 3, 48.00 USD - Figma, Sep 4, 540.00 USD - Typeform, Sep 6, 300.00 USD - Lumen Retouch, Sep 8, 3,050.00 USD, held for a second signature - Bench & Co, accountant, Sep 9, 1,542.00 USD Five bills under the rule went one by one, one press each, 3,714.00. In one batch they would have waited too: the rule reads the batch total, not each row. Three crossed it and waited, 9,410.00. Together 13,124.00, and the month closed as statements, a journal and one archive. #### How many hours a month the back office gives back Type your own counts. The minutes are our assumptions, written next to each line. - A supplier bill found in the mail, typed in by hand, filed and dated. With Orla: Read from the document by mail, Drive or a photo; you check it. 12 to 2 minutes. - Asking who paid a bill nobody filed, and where the paper is. With Orla: A receipt arrives by mail, Drive or a photo and finds its payment. 8 to 1 minutes. - An invoice written from the contract, checked against it and sent. With Orla: Issued on the schedule the contract set, and sent on its own. 15 to 2 minutes. - Chasing it: the reminders, and answering whether it was paid yet. With Orla: Reminders go out by themselves; the client's page shows the status. 12 to 1 minutes. - A payout keyed into the bank, checked twice, and the payee told. With Orla: One batch, one signature; the rows and the details come from the book. 15 to 2 minutes. - An account reconciled by hand, missing receipts hunted down. With Orla: Rows land by feed with a category; a receipt finds its payment. 150 to 15 minutes. - Collecting the month's documents from everyone, and finding the lost ones. With Orla: The checklist names what is missing; one archive. 300 to 30 minutes. - The month pulled together for the accountant, and their questions answered. With Orla: Statements, a journal and one archive, as files. 420 to 45 minutes. - Switching logins, folders and chats per company. With Orla: One sign-in; every company is a space on one rail. 90 to 5 minutes. On the counts this page starts with, about 36.6 hours a month. An estimate from your counts and our minutes, which count the whole job: the typing, the chasing, the search for the paper, the questions after. #### Business accounts inside Orla. Fiat and stablecoins, both ways Accounts in your company's name, with the balance next to the books that explain it. Custody sits with a licensed banking partner; the ledger, the rules and the signatures stay inside Orla. - Named accounts: USD, EUR and GBP in your company's name, on local rails and SWIFT. - On and off ramp: Fiat to USDC or USDT and back, priced at the moment of conversion and booked as one row. - Cards funded either way: Virtual Visa or Mastercard cards with a ceiling per person, topped up from the account or straight from crypto. - One ledger for all of it: Bank, cards, exchanges and wallets in one book, each row priced at its day. #### Agencies, shops, SaaS, creators and eight more kinds of company For business. Every one of these has a page that answers it in its own words: - Agencies and studios - E-commerce and marketplace sellers - SaaS and startups - Independent creators - Freelancers and contractors - Crypto-native companies - AI-native teams - Talent and influencer agencies - Recruiting and staffing - Property managers and landlords - Affiliate networks - Construction and trades For individuals: - Personal: Two banks, a card, cash, and coins in three places. One figure in your currency, and the tax year ready before you file. - Colivers and travelers: Four people, a guest, a trip kitty, and no idea who owes whom. Who paid what, split between people, settled in the fewest transfers. - Family: A household budget, pocket money, chores, and a nanny with her own card. A screen per role: the child sees chores, the nanny only her card. #### Sees everything. Holds only what you send it Nothing leaves an account without a person's signature. Feeds and exchange keys only read, and a bank you pay from is connected with a key that cannot send on its own. - Read-only connections: Bank feeds and exchange keys only read. A key with trading rights is refused. - Your keys stay yours: Wallet keys encrypted in your browser. Orla holds money in two places only, both funded by you: the card balance and an agent's wallet. - Approval rules: A threshold, the signatures it takes, allowed payees, an allowance per person. - Authority map: Who can move money in this book, and what holds each of them. - Oversight report: A report frozen the day after the month ends: what was checked, what went around. - A trail on every write: Every change keeps the row's previous state, so it can be undone. - It was me, or not me: A new sign-in asks you. Not me signs that device out at once. - Screening: AML checks before a payout and on incoming addresses. #### Plans start free. Paid plans from {price} a month One subscription covers every book you run. Change plan any time, and raise any single limit on its own instead of moving up a plan. #### Questions ##### Can Orla move our money? Only on your rules and with a person's signature. Bank feeds are read-only. A payout is prepared in Orla, stopped by the approval rule when it crosses the threshold, and released by the signatures the rule asks for. Fiat leaves from your own bank, and each one keeps the last word its own way: Revolut Business and Airwallex get a draft that a person releases inside the bank, Mercury gets a request that waits for an admin there because the token cannot send, and Slash and PayPal send on a press in Orla after the approvals. From a Safe, Orla only proposes; the owners sign and execute. The money never passes through Orla. ##### Do we have to leave our accounting software? No. Orla is the layer before it. Your accountant keeps QuickBooks or Xero and receives the month from Orla as statements for every account, a journal and one archive. ##### How do bills get in? By mail to your space's address, a dropped PDF, a Drive folder or a photo of a receipt. A bill from an unknown sender waits in quarantine until you let it in. ##### Which banks, cards and platforms connect? Banks through Plaid in the US, the UK and Europe, and any bank by statement in any language. Stripe, Shopify, PayPal, Gumroad, Lemon Squeezy, Bandcamp, Etsy and YouTube. Binance, Bybit, OKX, Kraken, Coinbase and Hyperliquid by read-only key. Wallets on BTC, EVM chains, TRON and Solana by address. ##### What about crypto in the books? A trade is priced at the minute it happened, a transfer between your own wallets is not income, cost basis survives a swap, and the realised gain sits in the same month as rent. Your accountant gets the month with the crypto rows already priced. ##### Who can see what? Owner, admin, member, viewer, and an accountant seat that gets the month and nothing else. A member gets a card with a ceiling and a monthly allowance. Every export is logged. ##### How long does setup take? Connect one account and the first rows land in minutes. Bring the history over with Move in: drop every statement, export and invoice from the old bookkeeping at once, get a plan, press start, undo if needed. On the demo we do it with you. ##### What does it cost? The free plan has no card and no time limit, and it includes one business space to try. Paid plans are listed on the pricing page, at the price the app charges. The business plans add seats and business spaces, approval rules with signatures, the accountant seat and the month's files. Any single limit can be raised with a pack instead of a plan change. #### See it on your own books Thirty minutes: we connect an account, drop a real bill in, and close a month together.