# Orla

> Orla is the finance back office of a growing company: bills, payouts, cards, invoices and the month for the accountant in one book, with banks, exchanges and wallets read only. Personal, family and shared spaces too.

Orla is the finance back office of a growing company: supplier bills read from their PDF into a draft, payouts that wait for the person your rule names, invoices, quotes and pay links that take a card, a transfer or a stablecoin, books that file themselves, and a month that leaves as the files the accountant imports, QuickBooks and Xero included.

It is built for companies whose money is partly on-chain. An exchange trade, a wallet transfer or a stablecoin invoice lands in the same month as an office rent, with a cost basis carried through every swap, and banks, cards, cash, exchanges and self-custody wallets sit in one ledger instead of in three tools that disagree.

The same book also runs a person, a family or a shared household, on the same rails and under the same prices.

## Who runs Orla, and who does not

- Orla is operated by Digital Flow Pte. Ltd., a company registered in Singapore under UEN 202350828Z on 29 December 2023, at 68 Circular Road, #02-01, Singapore 049422.
- Orla is a finance app, not an investment service. It takes no deposits, pays no returns and never holds client funds. Bank and exchange connections are read-only, and wallet keys are encrypted in the browser.
- The only domains are orla.finance for the site and app.orla.finance for the app. Support is support@orla.finance.
- The name Orla is used by unrelated companies and websites in other industries. This one is the finance app at orla.finance, operated by Digital Flow Pte. Ltd.
- The record, with the registration details: https://www.orla.finance/en/about

## What it does

- A supplier bill arrives by mail or as a PDF, is read into a draft with the file attached, and waits for the person the approval rule names before any money moves.
- A payout run pays the week in one batch across rails at once: bank transfer, card, PayPal and stablecoin. Every payment keeps its approvals beside the row.
- Invoices, quotes, contracts and pay links: a quote becomes the invoice when it is accepted, a signed contract becomes the schedule of invoices, an invoice marks itself paid when the money lands, and a credit note corrects one already sent.
- Virtual cards run from one prepaid balance, each with its own ceiling, freeze and block.
- The month closes into the files an accountant imports, and moving in works the same way round: a spreadsheet, QuickBooks or Midday arrives with its categories and receipts intact.
- Banks connect through read-only open banking. Orla cannot start a payment from a bank connection.
- Exchanges connect with a read-only API key: Binance, Bybit, OKX, Kraken, Coinbase. A key carrying trade or withdrawal rights is refused on connect, on every one of the five. Hyperliquid issues no API keys, so it connects with the public wallet address and reads a balance no signature can move.
- Wallets connect by address on BTC, EVM chains, TRON and Solana, or are imported or created in the browser, where the seed phrase is encrypted client side.
- Exchange trades, deposits and withdrawals import as transactions from 1 January of the previous year. Balances refresh hourly.
- Transfers between your own accounts are matched by on-chain hash and kept out of cashflow, so moving your own money is not counted as spending or income.
- Budgets run weekly to yearly per category, with a pace warning and rollover.
- Year end: FIFO capital gains by lot, short and long term split, income and deductible expenses, in your base currency. Informational, not tax advice.
- Shared spaces for teams, families and households, with roles that decide who sees what. Statement import from CSV, PDF or a photo in any language.

## What it does not do

- No portfolio charts, no P&L dashboard, no trading signals.
- No DeFi beyond Aave lending. No brokerage accounts, property or vehicles.
- Only six exchanges and four chain families sync directly. Everything else is CSV or a statement file.
- Bitcoin addresses cannot be verified by signature yet.
- A native iPhone app is built but not yet published, so there is no App Store or Google Play listing today. It installs from the browser.
- Live bank and exchange sync is on the paid plans. Free covers a manual ledger and CSV imports.

## Plans

- Free: free, no card
- Starter: $25 per month
- Pro: $69 per month
- Scale: $199 per month
- Enterprise: $499 per month

Live prices: https://www.orla.finance/en/pricing
Plans, limits and add-on packs as markdown: https://www.orla.finance/pricing.md

## Pages

Any page below also answers as markdown at its own address plus `.md` (for example https://www.orla.finance/en/crypto.md), for when one page is wanted rather than the whole corpus.
An agent that will use the CLI or the MCP server reads the skill at https://www.orla.finance/skill.md: the commands, the JSON envelope, the exit codes, and where paying stops.

- [A finance back office that runs on the switches you set](https://www.orla.finance/en/product): Which sections a role sees, who signs a payment and what an agent may pay: each of them is a switch on your side.
- [Mail, receipts and bills leave the queue filed](https://www.orla.finance/en/product/ledger): Mail, receipts and expenses wait in one queue, and every row lands with its category and its paper.
- [Money leaves on your rule, invoices settle themselves](https://www.orla.finance/en/product/money): Bills go out in one batch under your rule; invoices take a card, a transfer or a stablecoin.
- [Every counterparty, with its papers and chats](https://www.orla.finance/en/product/people): An address book, and chats that book what they are told.
- [Close the month into files, and check who you pay](https://www.orla.finance/en/product/month): Reports on the same figures the screens show, the month handed over as files, and the tax year ready.
- [Who signs, what connects, and what runs on its own](https://www.orla.finance/en/product/space): Roles and rules that say who signs what, and bank feeds and exchange keys that only read.
- [Ask the book a question. Press once on the answer](https://www.orla.finance/en/product/assistant): It answers in cards, and nothing moves without your press.
- [Wallets beside the bank, taxes that reconcile](https://www.orla.finance/en/product/crypto): Exchanges and wallets in the same list as the bank, a swap priced at its minute, payouts that wait for a quorum. Orla never holds a key.
- [Everything that connects, and what each connection is allowed to do](https://www.orla.finance/en/integrations): Banks by open banking or a statement, your own bank or Safe to pay from, exchanges by a key that cannot trade, platforms by a key you mint. Each card says what it does before you connect it.
- [Mercury in your books. The token cannot send](https://www.orla.finance/en/mercury): Checking, savings and treasury arrive with their statements, and an approved payment lands in Mercury's approval queue.
- [Airwallex by currency, every batch a draft](https://www.orla.finance/en/airwallex): Each currency arrives as its own account with its statement, and an approved run lands in Airwallex as one draft batch.
- [Slash in your books, sent only on your press](https://www.orla.finance/en/slash): The main account and every virtual account arrive with their statements. Slash has no drafts, so a transfer goes only when someone on your team presses Send via Slash.
- [Orla proposes, your Safe's owners sign](https://www.orla.finance/en/safe): Orla reads the Safe from the chain: owners, threshold, balance and history. An approved payment becomes a Safe proposal and leaves only when the owners sign.
- [Where Orla is the better choice, and where it is not](https://www.orla.finance/en/compare): Each comparison names the day its prices were read and ends with the cases where the other product is the right one.
- [Orla vs T:0](https://www.orla.finance/en/vs-t0): T:0 keeps a startup's GAAP books and sells a CPA with them. Orla runs everything before the accountant, and the month leaves as files.
- [Orla vs Dimely](https://www.orla.finance/en/vs-dimely): Dimely reads a signed contract and writes the invoice into your ERP. Orla reads it too, then issues, chases and books the money in one place.
- [Orla vs Fuelfinance](https://www.orla.finance/en/vs-fuelfinance): Fuelfinance reads the books QuickBooks keeps and adds forecasts and a finance manager. Orla is the book itself, with the payments in it.
- [Orla vs Light](https://www.orla.finance/en/vs-light): Light is one ledger for a group of entities, countries and standards. Orla is one book for one company, bought on the site without a call.
- [Orla vs Neno](https://www.orla.finance/en/vs-neno): Neno takes a Dutch company's bookkeeping, filings and payroll off your hands, with a bank account of its own. Orla runs the back office, never holds your money, and hands the month to the accountant you have.
- [Midday is closing, and its export reads in whole here](https://www.orla.finance/en/midday-alternative): Midday is winding down and you have ninety days. Orla reads that export whole, categories and receipts included.
- [Orla vs YNAB](https://www.orla.finance/en/vs-ynab): Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets, in one book.
- [Orla vs CoinTracker](https://www.orla.finance/en/vs-cointracker): One counts last year's crypto for the tax office. The other runs all your money, crypto included, every day of the year.
- [Plans for a person and for a company, and packs that raise single limits.](https://www.orla.finance/en/pricing): Free is where you start rather than a countdown, and every limit above it can be raised on its own instead of by upgrading.
- [Book a demo](https://www.orla.finance/en/demo): Thirty minutes on a call, and we do it on your own books, not on ours.
- [Make an invoice, keep the PDF.](https://www.orla.finance/en/free-invoice-generator): Who is billing whom, what for and how much. Out comes the same PDF Orla sends for real invoices.
- [Your agent pays from its own wallet, up to a daily cap you set](https://www.orla.finance/en/ai-agents): Connect the agent you already run, give it a stablecoin wallet with hard ceilings or a card that holds only what you loaded, and keep the signature on the human side.
- [Your agent gets a key. You keep the signature](https://www.orla.finance/en/ai-agents/api): Connect a Claude or ChatGPT client to the MCP server, or call the same endpoints from your own code with a revocable key.
- [Where an agent can spend money](https://www.orla.finance/en/ai-agents/catalog): Services that take a machine's payment without an account or an API key, and the ones that take coins from a person at checkout. Prices and networks as their own documentation states them, with the source on every row.
- [Your own systems hear about your money the moment it moves](https://www.orla.finance/en/webhooks): Point an address of yours at a space. Orla calls it with a signed JSON body when money lands or leaves, an invoice is paid, a payout goes out, a payment waits for a signature or is stopped.
- [Take money for what your server does, with one key](https://www.orla.finance/en/developers): Your server asks Orla to price a call, charge a prepaid balance or mirror an invoice, and hears back, signed, when it is paid. The payer can be a person or a machine answering a 402.
- [Ask the assistant you already use what you spent](https://www.orla.finance/en/mcp): The assistant you already use reads your ledger live: balances, budgets, who owes whom. Nothing is copied out, and it cannot pay.
- [Your books, inside Claude](https://www.orla.finance/en/mcp-claude): Ask what you spent, whether you are inside your budgets and what you are worth. It reads your ledger live, with nothing to install.
- [One command, and your terminal reads your books](https://www.orla.finance/en/mcp-claude-code): Claude Code speaks remote MCP directly. Nothing to install and no key to paste: the browser opens on Orla's consent page.
- [The books that pay for the code, beside it](https://www.orla.finance/en/mcp-cursor): What a project costs you and the repository it runs in are usually open at once. Cursor reads the ledger the way it reads the project.
- [Books that answer in the chat panel](https://www.orla.finance/en/mcp-vscode): VS Code takes MCP servers in .vscode/mcp.json under a servers key, or from the command line. A remote one names its type.
- [A context server that happens to be your ledger](https://www.orla.finance/en/mcp-zed): Zed calls them context servers and keeps them in settings.json. One with no header of its own gets the consent flow.
- [Cascade, with your own numbers in reach](https://www.orla.finance/en/mcp-windsurf): Windsurf keeps its servers in one file under your home directory. The remote address goes in serverUrl, not url.
- [Your books from a terminal, or as a bridge](https://www.orla.finance/en/mcp-cli): Read and record from the shell, or run it as an MCP server for clients that only speak stdio.
- [One file that teaches the agent the door, and where it ends](https://www.orla.finance/en/mcp-skill): Clients differ; the agent behind them does not. The skill names the commands, the JSON envelope, the exit codes and the one rule that paying waits for a person. An agent reads it once instead of guessing.
- [Answered in the channel where the question came up](https://www.orla.finance/en/slack): One channel is bound to one space. The bot answers the people who belong to it, and every write is a button press in the same audit trail as the web.
- [Where your data lives, who can reach it, and what leaves](https://www.orla.finance/en/security): The app answers these from your own account. Support has no screen that opens your books.
- [Every claim on this page can be checked](https://www.orla.finance/en/about): Who is behind Orla, how it makes money, what it can and cannot touch, and the two domains that are actually ours.
- [Write to the people who build Orla](https://www.orla.finance/en/contact): One address for support, one for security, one for everything else, and no phone number pretending there is a call centre behind it.
- [Your clients stay yours. Their paperwork stops being your evening](https://www.orla.finance/en/partners): A revenue share for the people who keep other companies in order: bookkeepers, accountants, tax advisors and finance consultants. You bring the judgement, Orla takes the typing, and you get paid every month the client stays.
- [Bandcamp sales, with the cut worked out from their own figures](https://www.orla.finance/en/bandcamp): What the fan paid, and where Bandcamp says so, what was left. The difference is the fee, not a guess.
- [Binance, in the same book as your salary](https://www.orla.finance/en/binance): A read-only key, and your trades, deposits and withdrawals arrive as transactions next to the rent, with a cost basis kept.
- [Bybit, filed like the rest of your money](https://www.orla.finance/en/bybit): A read-only key, and Bybit becomes ledger lines: fills, fees, deposits and withdrawals, priced and kept for the tax year.
- [Coinbase, budgeted like a bank account](https://www.orla.finance/en/coinbase): Most apps that mention Coinbase pull a balance and stop. This one pulls what happened: fills, fees, transfers, cost basis.
- [Advertisers invoiced on either rail. Publishers paid in one screened batch](https://www.orla.finance/en/for/affiliate): Rivet Network runs fintech and gaming offers for three advertisers and a roster of publishers, four people in the office.
- [Contracts turn into invoices on schedule. Contractors get paid in one batch](https://www.orla.finance/en/for/agencies): Northwind Studio runs eight clients, three monthly contracts and a dozen contractors on Orla.
- [Agents that pay for what they use, with a receipt for every dollar](https://www.orla.finance/en/for/ai-teams): Lantern Automation builds and runs agents for its clients, six people and three machines.
- [Who paid what. Split between people. Settled in the fewest transfers](https://www.orla.finance/en/for/colivers): Rua Augusta 14 is a flat shared by four people and a guest who stays over, with a weekend in Porto paid from a kitty.
- [Jobs billed by milestone. Subs paid on Friday](https://www.orla.finance/en/for/construction): Hollis Construction runs three jobs with three subcontractors, a site manager, an office manager and an accountant.
- [Four platforms in one book. Sponsors invoiced. Tax set aside as the money lands](https://www.orla.finance/en/for/creator): Dev Malhotra runs a channel, sells templates on Gumroad and an app on the App Store, alone.
- [Treasury in wallets, payroll on chain, a month the accountant can read](https://www.orla.finance/en/for/crypto): Basalt Labs pays contributors in USDC, keeps its treasury on three chains, and answers to an accountant.
- [Sales, fees and refunds as rows. Suppliers paid on your rules](https://www.orla.finance/en/for/e-commerce): Saltmarsh Goods sells candles and homeware on Shopify, Etsy and its own Stripe checkout.
- [One pot everyone can see. A narrow one for the child and the nanny](https://www.orla.finance/en/for/family): The Novaks are two parents, thirteen-year-old Lea with a card and chores, and Marta, who looks after the kids three days a week.
- [Invoices in four currencies, one book for the accountant](https://www.orla.finance/en/for/freelancers): Ines Marchetti designs products for three clients in three countries and gets paid four ways.
- [Banks, cards, cash and a wallet in one book. Budgets that warn on day six](https://www.orla.finance/en/for/personal): Tomás Oliveira lives in Lisbon, is paid in euros, keeps savings on an exchange and in a wallet, and bills a client in USDC.
- [Rent invoiced per unit. Repairs under their property. Net per unit, not per feeling](https://www.orla.finance/en/for/property): Marlow Property runs three units with three tenants, two people and an accountant.
- [Runway on the home board. A month closed before the investor update](https://www.orla.finance/en/for/saas): Tidewater Metrics sells an analytics product on Stripe and runs a team of nine on payroll and contractors.
- [Placements invoiced on schedule. Contractors paid in one batch](https://www.orla.finance/en/for/staffing): Ridgeway Staffing places engineers and operations people with three clients, four people in the office.
- [Brands invoiced per campaign. Creators paid in one batch](https://www.orla.finance/en/for/talent): Solstice Talent runs campaigns for three brands with a roster of creators, four people in the office.
- [Gumroad sales, and Gumroad's cut as a line of its own](https://www.orla.finance/en/gumroad): Each sale carries a price and a fee. Both come across, so what you see is what you earned rather than what the customer paid.
- [Hyperliquid, without handing over a key](https://www.orla.finance/en/hyperliquid): Hyperliquid has no API keys: the read endpoint authorises by wallet address, so this connection holds an address and no secret.
- [Kraken, in the same book as everything else](https://www.orla.finance/en/kraken): A read-only key, and your Kraken history joins the ledger: fills, fees and transfers, priced when they happened.
- [Lemon Squeezy, counted as revenue rather than as turnover](https://www.orla.finance/en/lemonsqueezy): They are a Merchant of Record, so the sales tax was never yours. Income is booked from the order subtotal, never the total.
- [OKX, in one book with the bank and the cards](https://www.orla.finance/en/okx): A key, a secret and a passphrase, and your OKX history arrives as ledger lines with a cost basis behind them.
- [PayPal, read as earnings rather than as a second bank](https://www.orla.finance/en/paypal): Sales, refunds and payouts to your bank become ledger lines. What you spend from the same PayPal is left alone.
- [Shopify sales, with the fees and the payouts separated](https://www.orla.finance/en/shopify): Daily income, platform fees and refunds, plus the balance Shopify still holds and the payouts it sends you.
- [Splitwise alternatives, and when you do not need one](https://www.orla.finance/en/splitwise-alternatives): Two options below are the same app without ads; the third is a different idea.
- [One Stripe key, and everything that pays you through it](https://www.orla.finance/en/stripe): Substack, Ghost, Memberful, Ko-fi, your own checkout: if the money lands in your Stripe, it lands here, with the fees split out.
- [Orla vs Copilot Money](https://www.orla.finance/en/vs-copilot): Copilot is the best looking way to watch American dollars. Orla is a book for several currencies and chains, wherever you live.
- [Orla vs Lunch Money](https://www.orla.finance/en/vs-lunch-money): The closest comparison here. Both independent, both outside America; the split is what a coin is: a balance, or a transaction.
- [Orla vs Monarch](https://www.orla.finance/en/vs-monarch): Monarch budgets bank money in America and Canada. Orla budgets the same money next to exchanges and wallets.
- [Orla vs Splitwise](https://www.orla.finance/en/vs-splitwise): Splitwise keeps score of who owes whom. Orla keeps the book that debt belongs to, so settling up is a payment against a budget.
- [YNAB alternatives, honestly ranked, with the catch on each](https://www.orla.finance/en/ynab-alternatives): People leave over the price, the country, or money that stopped fitting in a bank.
- [Crypto budgeting app that puts crypto in the budget · Orla](https://www.orla.finance/en/crypto-budgeting-app): Most budgeting apps sync a crypto balance and stop there. Orla files exchange trades, wallet transfers and stablecoin income as budget lines.
- [Is transferring crypto a taxable event? · Orla](https://www.orla.finance/en/crypto-budgeting-app/is-transferring-crypto-taxable): Moving your own coins between your own wallets is not a disposal. The network fee can be. The general rule, and why your app may record it wrong.
- [Crypto net worth tracker across banks and wallets · Orla](https://www.orla.finance/en/crypto-budgeting-app/crypto-net-worth-tracker): One net worth across banks, exchanges, wallets, cash and cards, with loans and IOUs as liabilities. Work it out by hand, or connect the accounts.
- [How to budget when you get paid in crypto · Orla](https://www.orla.finance/en/crypto-budgeting-app/paid-in-crypto): A stablecoin invoice is income on the day it lands, at that day's rate. How to run a normal monthly budget on it, and the two things that catch people out.

## Blog: Plain answers about money more than one person touches, and money that arrives in crypto. Splitting bills by income, joint accounts, crypto invoices, tax.

- [Can AI agents make payments? How x402 works · Orla](https://www.orla.finance/en/blog/ai-agents-can-pay-your-invoices) (Crypto & freelance, 2026-08-09): 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.
- [How to invoice international clients · Orla](https://www.orla.finance/en/blog/invoicing-a-client-in-another-country) (Crypto & freelance, 2026-07-31): 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.
- [How to split bills based on income · Orla](https://www.orla.finance/en/blog/splitting-costs-when-you-earn-different-amounts) (Shared money, 2026-07-30): 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.
- [Joint or separate accounts: which is better · Orla](https://www.orla.finance/en/blog/joint-account-or-separate-accounts) (Shared money, 2026-07-30): 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.
- [Company expense policy for a small team · Orla](https://www.orla.finance/en/blog/who-pays-for-what-in-a-small-team) (Shared money, 2026-07-30): 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.
- [How much to set aside for taxes as a freelancer · Orla](https://www.orla.finance/en/blog/how-much-of-an-invoice-to-set-aside-for-tax) (Crypto & freelance, 2026-07-30): 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 invoice template: the four lines it needs · Orla](https://www.orla.finance/en/blog/how-to-invoice-a-client-in-crypto) (Crypto & freelance, 2026-07-30): 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.
- [What getting paid in crypto really costs · Orla](https://www.orla.finance/en/blog/what-it-costs-to-get-paid-in-crypto) (Crypto & freelance, 2026-07-30): 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.
- [How to check if a crypto wallet address is legit · Orla](https://www.orla.finance/en/blog/why-screen-a-counterparty-crypto-address) (Crypto & freelance, 2026-07-30): 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.
- [How crypto wallets get hacked and drained · Orla](https://www.orla.finance/en/blog/how-crypto-wallets-actually-get-drained) (Crypto & freelance, 2026-07-30): 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.

## Company and legal

- [Privacy Policy · Orla](https://www.orla.finance/en/privacy): What Orla collects, what it never collects, who it shares data with, and the choices you have. Plain English.
- [Terms of Service · Orla](https://www.orla.finance/en/terms): The terms for using Orla: your account, subscriptions, the non-custodial crypto model, and the limits of what Orla is.

## For agents and code

- [Catalog of machine entry points](https://www.orla.finance/.well-known/ai-catalog.json): the index of everything below.
- [MCP server card](https://www.orla.finance/.well-known/mcp/server-card.json): the personal connection, signs in with OAuth, reads and records, cannot pay.
- [OpenAPI contract](https://www.orla.finance/openapi.json): the agent door and the integration API (invoices, contacts, payment requests).
- [Agent skills](https://www.orla.finance/.well-known/agent-skills/index.json): published skills for working in Orla books, each with a sha256 digest.

## Notes

- Operated by Digital Flow Pte. Ltd. Support: support@orla.finance.
- The app itself lives at https://app.orla.finance and speaks English, Spanish, Portuguese and Russian.
- Full text of every page: https://www.orla.finance/llms-full.txt