The questions people actually ask us about money
Three subjects: the paperwork of a company with no finance person, money more than one person touches, and money on a chain.
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- Back office 5The paperwork of a company that has no finance person
- Shared money 3Money more than one person touches, and how to share it
- Crypto & freelance 7Money that arrives on a chain, or against an invoice
Month-end close checklist for a small business, with crypto in the mix
The month-end close process for a small business, in order: statements, categories, receipts, bills, invoices, crypto lots, rates, codes, then a sealed month.
Back office · 9 minSep 26, 2026Supplier bill approvals for a small team: a threshold, two signatures and an audit trail
Supplier bill approvals for a small team: where to set the threshold, why the second signature cannot be the proposer's, and what an audit trail must contain.
Back office · 7 minSep 26, 2026Paying contractors on two rails: bank and stablecoin, one book
When to pay a contractor by bank and when in USDC, how one approval rule covers both rails, and how both payouts reach the accountant as one journal.
Back office · 10 minSep 26, 2026What your accountant needs at month end, and where the time goes
What your accountant needs at month end and in what shape: journal lines or statement lines, one file per account, a sealed month, and where the hours go.
Back office · 10 minAug 9, 2026AI agents can pay, and get paid, on their own
How an AI agent pays an invoice on its own over x402, why the money moves in stablecoins rather than on a card, and what an agent can never be allowed to do.
Crypto & freelance · 6 minJul 31, 2026How to invoice a client in another country, and get paid
What to put on a cross border invoice, what reverse charge means on the document, which currency to bill in, and the line that gets an invoice rejected.
Crypto & freelance · 7 minJul 30, 2026How to split bills when one of you earns more
Three ways to split shared bills on unequal incomes, the arithmetic for each, and what every one of them does to the person who earns less.
Shared money · 7 minJul 30, 2026Joint account, separate accounts, or the middle one
The three arrangements couples use, how each one fails, and the two questions that decide it: what happens if one of you stops earning, and if you split up.
Shared money · 6 minJul 30, 2026A company expense policy for a small team
The expense policy a team of five to twenty actually needs: who may spend, what needs approval, when reimbursements are paid, and how spending is tracked.
Shared money · 7 minJul 30, 2026How much to set aside for taxes on freelance income
Start at 30 percent of every payment, on the day it lands. How to work out your own number, where to keep it, and why saving what is left never works.
Crypto & freelance · 7 minJul 30, 2026How to invoice a client in crypto, step by step
What to put on an invoice paid on a chain: which coin, which network, how long the quoted amount holds, and the address line that stops a redirect.
Crypto & freelance · 7 minJul 30, 2026What it actually costs to get paid in crypto
Network fee, exchange spread, withdrawal fee and the bank on the far end. Where the money goes between 2,000 USDT sent and your rent payable.
Crypto & freelance · 7 minJul 30, 2026How to check a wallet before you pay it
The four checks worth running before you send, what an address screening can and cannot tell you, and why money arriving matters more than money leaving.
Crypto & freelance · 7 minJul 30, 2026How crypto wallets actually get hacked and drained
The three routes money actually leaves a wallet by, whether a wallet can be hacked at all, and what to do in the first hour after one has been drained.
Crypto & freelance · 9 minWrite your first mandate
on a thirty minute call
On your own books: one position, one rule, and the first bill waiting for your button.