One login, separate books
One workspace for all your money: personal, family, business
A space for each pot of money, with its own members and its own books, counting what is on-chain alongside what is in the bank.
Free plan, no card. Bank and exchange connections are read-only, and Orla never holds your funds.
Budgets this month
View all →Goals
View all →Recent transactions
View all →9 rows are uncategorized, 7 of them from the Base wallet. Sorting them changes the March figure by about $60.
Eating out went over on day 21. The two Lisbon flights on Mar 21 are filed under Travel, so they are not the reason.
Where the transactions come from
Five ways in. After that it is all one list.
Banks, exchanges, wallets, selling platforms, and the rest by hand.
Banks
Open banking through Plaid and GoCardless. Consent runs out, and Orla warns you before it does instead of going quietly stale.
Exchanges
A read-only key, encrypted and never shown again. Binance, Bybit, OKX, Kraken, Coinbase, and Hyperliquid by address.
Wallets
Paste an address to watch it, or hold the keys yourself. BTC, Solana, TRON, and one 0x address across four EVM networks.
Platforms
Where the selling happens: Stripe, Shopify, PayPal, Gumroad, Lemon Squeezy, Bandcamp, Etsy and YouTube. One Stripe key also brings Substack and Ghost.
By hand
Cash exists. So do banks nobody has integrated. Map the columns once and the preview shows what will land.
One list
Whatever it came from, it lands in the same list.
128 entries in March, in two currencies, each priced the moment it happened.
| Date & time | Payee | Category | Account | Amount | |
|---|---|---|---|---|---|
| Mar 28, 2026 6:12 PM | Sold 0.38 ETH | 📈 Capital gains | Kraken | +1,414.60 USD | |
| Mar 24, 2026 9:03 AM | Sent to Kraken | 🔀 Transfer | MetaMask | -0.38 ETH | |
| Mar 22, 2026 2:40 PM | Swap USDC to ETH | 🔁 Exchange | Base wallet | -1,200.00 USDC | |
| Mar 18, 2026 11:12 AM | Kestrel Studio | 💼 Self-employment | Base wallet | +1,200.00 USDC | |
| Mar 12, 2026 8:31 PM | MARKET BY WOLT | 🍽 Eating out | Revolut · Card | -24.80 EUR | |
| Mar 3, 2026 9:00 AM | Northgate Ltd, salary | 💼 Salary | N26 | +3,400.00 EUR |
The two questions
What came in, what went out, and what is left this month.
Twelve months of cash flow, and the envelopes for the month you are standing in.
Cash flow
IncomeSpending6M12M24MAllCSVWhere people actually talk
The group chat is the input form.
Nobody installs anything, and what comes back is a split waiting to be confirmed.
Somebody says what they paid
In their own words, in the chat the trip already lives in. Nobody installs anything and nobody fills a form at a restaurant table.
Then it asks who is in
People raise a hand on the message. The ones who did are the ones the bill splits between.
Same bot at work
The team channel writes to the business space and its approval rules instead of a holiday pot.
The converter and the address check work the same way, without leaving the conversation.
The bot answers in the language you set in Orla, and it writes to a space you already belong to. A stranger who finds it gets a pitch, not your books.
Agents
Your own AI gets a wallet, a card and a ceiling.
Not our assistant. Yours: a Claude connector, an n8n flow, your own script.
Nyx wants to pay Hetzner $48.00 from the card ···· 4417. It is $8.00 over the per payment cap, so it stopped and asked.
On the phone
The same numbers on your phone, offline too.
A native iOS app rather than the site in a box, and the keypad opens first.
Overview
Written with no signal, two entries still on their way
Saved now, sent when there is signal
A coffee, with no signal and a photo of the receipt
The rest of it
Everything that has to happen between payday and the tax file.
Budgets, invoices, splits, cards, the calendar, the vault and the address check.
Accounts
Fiat and crypto side by side, one net worth, balances you can hide with a keystroke.
Transactions
Categories, rules that run on import, bulk edits, and a search box that finds a payee three words deep.
Budgets and goals
A monthly envelope per category, and goals that know how far off they are.
Invoices
Send one, get paid by card or by coin, and watch it reconcile against the incoming payment itself.
Shared money
Split a dinner or a flat, see who owes whom, settle in the currency you actually hold.
Cards and payouts
Virtual cards with limits, approvals before money leaves, an audit trail after it does.
Copilot
Ask it where the money went. It reads your own numbers, not the internet, and cites the transactions.
Calendar
Everything with a due date on one page: rent, a subscription, an invoice, a loan payment.
Vault and inheritance
Folders, versions, receipts sitting on their own transaction. And a life beat that hands access to the people you named if the check-ins stop.
Address checks
Screen an address before you send to it, or check one that just paid you.
Automations
Rules that run without you: move money on payday, watch a balance, chase a loan payment.
Debts and loans
What you lent and what you owe, with the rate, the schedule and the payments that really happened.
Not only for one person
A space per pot of money, with its own members and rules.
Switching space changes the sidebar, the roles and the books, not just a filter.
Personal
Your accounts, your budget, your year. Nobody else sees it.
Family
A shared balance, an allowance for a teenager, a narrow wallet for a carer.
A trip or a flat
Expenses go in from the group chat, splits come out, and the app says who pays whom.
A company
Roles, spend limits per person, approvals before a payout, and a VAT quarter.
Start
Connect one account. Add the rest when you feel like it.
The free plan is a real plan, not a trial. Paid plans add more spaces, agents, the vault and the yearly tax package.
