# A finance back office that follows your flow, not the other way around URL: https://orla.finance/en/product Markdown twin of that page. Append `.md` to any Orla page URL to get one. Which sections a role sees, who signs a payment, what an agent may pay: switches on your side, not a workflow you learn. #### Inbox and the ledger ##### Inbox What arrived from outside and waits for my word? - One queue for arrivals: quarantined mail, receipts, expenses without paper. - A receipt finds its own payment; a bill from a letter becomes a draft with the file attached. - A sender you do not know is held until you let it in, and one press blocks them for good. - Gmail connects right here; the space's own address is set under Connections. - Rows without paper are waived in bulk; a recurring supplier goes to the calendar. For: Office manager, Founder, Accountant. ##### Transactions Every movement on every account, and what does it add up to? - Filter cards with the assistant's own figures: in, out, without a category, without a receipt, each one a filter. - One row opens one panel: category, counterparty, project, the attached paper. - Categorise in bulk, export, search rows in words. - Ask why a number changed and the answer is arithmetic, row by row. - Refunds link to the purchase they reverse; transfers between your accounts pair up. For: Finance lead, Accountant, Founder. ##### Categories and rules What is money filed under, and who does the filing? - Rows without a category queue up by merchant, each with a suggestion drawn from your own history, so the same supplier is filed the same way every single time it appears. - A rule is written in words and may apply to the past; applied to the past, it can be undone. - Category health shows what files itself and which rules stay silent or catch too much. - Tidy up merges look-alikes and drops unused ones; one rule clears a wallet's queue. For: Accountant, Office manager, Finance lead. ##### Accounts and rails (Rails coming soon) Where does the money sit right now? - Banks, exchanges, wallets, platforms and cash: one list, one total. - Balance history per account, exchange P&L, send, receive and swap, WalletConnect. - A low balance alarm, and the balance reconciled against the provider. - Prove a wallet is yours before trusting it; share one account into another space. - Coming soon: named USD, EUR and GBP accounts inside Orla with local rails and SWIFT, and a ramp between fiat and USDC or USDT in either direction. For: Founder, Treasury, Finance lead. ##### Move in Can the old bookkeeping come over in one go? - Drop every statement, export, invoice and contract of the old books at once, in a single upload that reads them all. - Orla reads them, shows a plan by account and by month, and runs it on one Start. - Undo the whole run or a single file. - Rows already in the book are never booked twice; closed months stay untouched. For: Founder, Accountant, Office manager. ##### Budgets What may the month spend, and what is left? - Monthly limits per category, what is left of each, what slipped past. - A budget watch tells the team before the limit, not after. - Unspent budget rolls into next month; the spend breaks down per team member. For: Founder, Finance lead, Office manager. #### Pay and get paid ##### Bills to pay What do we owe, what is late, what waits for me? - Bills by status, with the ones waiting for your approval on top. - Accept, reject, set monthly, pay a selection, attach the paper; tax and dates in the panel. - An expense with no paper gets a self-billed invoice, kept on the payment. - A bill flips itself to paid when the matching arrival lands. For: Office manager, Accountant, Founder. ##### Payments and batches Who signs, and what leaves when? - A queue for signature with an approval threshold and the number of signatures it takes; the person who prepared a payment never signs it themselves, and the rule sees to it. - Up to 200 payouts per batch: CSV preview, duplicate warning, autosave, templates. - The rule checks the batch total, so it cannot be dodged by slicing. - The assistant may put a payment in the queue and never signs it. - Amend a payment after approval but before the money leaves. For: Founder, Finance lead, Treasury. ##### Cards Can each person have a card with a ceiling? - Virtual Visa cards from one prepaid balance, topped up in USDT or USDC. - A card per person with a ceiling, freeze and block, the issuer's history checked against what you allocated, so a stray charge shows up the same day. - Cards for agents, fenced by merchant. - Refunds and chargebacks are answered in the books on their own. For: Founder, Team member, Office manager. ##### Invoices and quotes Who owes us, what is late, what arrived? - Four figures as filters: owed, overdue, received this month, paid without an invoice. - Recurring invoices, reminders, and an invoice that marks itself paid when money lands. - Paid by card via your Stripe, by transfer or in stablecoins; a quote becomes the invoice. - A credit note corrects a sent invoice as a second document, never an edit. For: Finance lead, Office manager, Contractor. ##### Contracts What did the contract promise, and what is not billed yet? - The assistant reads the signed file; monthly fee and milestones become the schedule of invoices to send. - Not billed yet, shown per contract; addenda accepted into the schedule; a quote or an order raised from a framework agreement without retyping the terms. - Rate cards price by unit or by order; a changed file is read again on its own. For: Founder, Finance lead, Office manager. ##### Pay links How do I ask for money without an invoice? - A request by link, and a permanent payment address for the space. - Links expire; a machine gets a price instead of a page (x402). - On your @handle page a visitor names an amount and gets a link of their own. For: Contractor, Office manager, Founder. ##### Loans and debts Who owes whom, and when? - Loans with a schedule: who owes you, whom you owe, and the nearest obligations on both sides. - Repayments are linked to the rows that paid them. - Rate changes and prepayment rebuild the schedule; only interest counts as cost. For: Founder, Finance lead, Accountant. ##### Calendar What has a date, and what balance does it leave? - Everything dated on one page: overdue, this week, coming in, month-end balance. - Contracts add what they promise; a row that looks recurring gets a hint. - The forecast names the low point and its day; unpriced rows are listed, not guessed. For: Office manager, Finance lead, Founder. ##### Earn and borrow Can idle stablecoins earn without handing over the keys? - Aave v3 positions per wallet with their rates; Orla never holds a key. - Calldata prepared unsigned, the health factor checked, a quorum on the large ones. - Liquidation risk is watched hourly; borrowing stays off without that watch. For: Treasury, Founder, Finance lead. #### People and papers ##### Contacts Who are we dealing with, and on which rails? - An address book of counterparties with their rails, documents, payments and debt. - Payers become counterparties on one press; a client gets a chat of their own. - An owner or admin marks a payee trusted; changing its rails takes the trust away. - Import contacts from CSV with a dry run; duplicates are found and merged. For: Office manager, Finance lead, Team member. ##### Documents Where is the paper, and what is it attached to? - Filed by a schema you set in words, with versions and access. - A document becomes a bill to pay or the receipt on a payment; upload in bulk. - A Google Drive folder is a door into the book. - A whole sort run is previewed as a plan and undone in one press; a document can be sealed in the browser so the server itself cannot read it. For: Office manager, Accountant, Team member. ##### Open a document, hand it to a colleague How does a colleague get this file? - A tile or a row opens the document in a panel beside the list: the preview, its properties edited in place, the versions and who has access. The address carries the document, so the link can be copied. - Share it with a member of the space by name, invite someone by email, or copy a link that opens for members of this space only; opening it puts the file on their Shared with me shelf. Somebody outside the space is told to ask for it. - A link already sent keeps working until it is revoked: asking for the link again never mints a new one. - Everyone sees their own uploads and the files shared with them, whatever their role; a viewer can open and download what was shared with them. For: Team member, Office manager, Accountant. ##### Chats Can the team do this from Slack or Telegram? - Say you paid the taxi with the company card; one press books it as an expense on the right account. - A colleague's claim goes to the approvers with the buttons in their own chat; a file dropped in the channel gets a question first, never a silent filing into the vault. - A client gets a chat of their own: the invoice arrives there with its PDF and buttons to say it is paid or ask for time, and every reply lands in your channel. - Reminders go out on WhatsApp or SMS from your own number. - A supplier bill or a client invoice is raised from one chat line as well. For: Team member, Office manager, Founder. #### Month and checks ##### Reports What do the numbers say, in the shape I asked for? - A report is described in words and saved as a question, and it runs again each time it is opened. - Built in: P&L as a tree, a cash forecast in two lines, the month in figures across eleven blocks, and what moving money actually costs you. - Published by link as a frozen snapshot that expires; the team's thread stays inside. - Every figure opens into the rows behind it. For: Founder, Finance lead, Accountant. ##### For the accountant Can the month go out as files rather than access? - A zip archive, a journal CSV, and each account's feed in the shape QuickBooks Online and Xero import. - A closing checklist with a door into each list: rows without a category, without an account code, without paper, payments without a quorum, invoices unpaid. - Review, Close, Reopen with a reason; what changed after the export is visible. - A closed month is read-only at every door; the archive says who sorted what. For: Accountant, Finance lead, Founder. ##### Tax and VAT Is the year ready, and what goes into the return? - The year in four steps: what is not ready, does it reconcile, the return itself, and the seal on it. - Cost basis FIFO, LIFO or HIFO with the date and cost of acquisition; realised crypto gains. - VAT returns period by period, output tax from invoices and input tax from expense rows, reverse charge handled; a rate or an exchange rate is never guessed. - A sealed year reports its own drift; the book is checked against the chain. For: Accountant, Finance lead, Treasury. ##### AML screening Is this address safe to pay? - Screen an address before you pay it or the one that just paid you; keep addresses under watch; unscreened inbound money queues up, screened by hand or hourly. - Every screening is one credit from a monthly grant that carries over up to three months, and a verdict under a week old is reused in the space for free. - The record stays: who screened what, when, and the verdict, exportable as a journal. For: Treasury, Finance lead, Founder. ##### Anti-fraud monitoring Is anyone we pay playing games with our payouts? - TRON and Ethereum payouts watched for the patterns fraud leaves: kickbacks, ghost employees, split payments, brand-new wallets, and links to wallets that scams are already known to use. - Nothing to set up: your wallets and the contacts with crypto addresses are watched, and the role of each counterparty decides which patterns apply to them. - A finding names who, how much and why it fired; mark it handled or normal, or open the evidence as a PDF case with a public link for 30 days. For: Treasury, Finance lead, Founder. #### The space ##### Team and signing rules Who may do what, and what needs a signature? - Roles: owner, admin, member, viewer, accountant. A role is where a person starts; nineteen switches on their card decide, and whole sections can be hidden from a member. - Signing rules: a threshold, the number of signatures, address book only, a monthly allowance per person counted across every door. - A table of how protected each entry is, the space's machines, invitations. - A rule switched off still blocks what it would have matched; muting is no bypass. For: Founder, Finance lead, Accountant. ##### Security Where am I signed in, and who can move money? - Devices, the space journal, an IP allowlist, and It was me or Not me on every sign-in from a new device. - The authority map: who in this book can move money, and what holds each of them. - A monthly oversight report frozen the day after the month ends, with the exceptions to the approval rules listed, so an auditor reads one page instead of the log. - An emailed token opens a 30-minute door when your own allowlist locks you out. For: Founder, Finance lead, Treasury. ##### Agents What did a machine do with our money? - Every dollar an agent moved, with a receipt that says which agent, whose it is, how much, to whom, and who decided it: the agent, a human, or a decision still pending on it. - A fence per agent: a daily ceiling, a term, the x402 hosts it may pay, the merchants its card accepts; its own wallet and card, so the worst case is the deposit. - Watch mode by default; an agent never signs. - Freeze an agent and even its reads refuse; its rights are recomputed on every call. For: Founder, Treasury, Team member. ##### Connections What can we connect, and is it healthy? - Sorted by why you connect: balances, sales, payouts, paper, clients, chats. - Connection health, and a wishlist for what is not there yet. - A daily rule names connections that quietly broke; one press re-syncs a row. For: Founder, Office manager, Finance lead. ##### Automations What watches the books while I do not? - Rules that watch the books and tell a person: a balance below the line, a budget nearly spent, an invoice due, a loan payment coming, a connection that stopped syncing while you slept. - The last run is shown as facts, not as a log. - A rule never fires twice for a period; a broken rule cannot take the others down. For: Founder, Office manager, Finance lead. #### The assistant ##### Cards, one press, a way back It knows what is under the composer: the contact, the account, the row, the bill, the document, the letter, the invoice, the card. A file or a voice note is a question too, and the answer to a figure comes with its chart. - Every write is a card: one card, one press, no model between the press and the ledger, and a path back on each. - The answer is computed from the rows you can see, with your own rights, never from a copy. For: . ##### You see it work, and it asks with buttons - Each step shows as it runs: reading August, comparing by category, building the chart. When a name fits three contacts, it offers the three and Other rather than a question in text. For: . ##### A chart when the answer is a series - Figures over time come as a line or bars, a comparison as a second series, a forecast as a band with the threshold on it; the numbers on the chart are the report's numbers, and a press on a bar opens the rows. For: . ##### A list with a box per line Everything that stops the month closing, as one list: rows without a category, expenses without a receipt, rows without a counterparty or an account code, a rate without a date. Each line is a card you already have, and the last line of the list closes the month. - The list lives on the server, so you can leave and come back tomorrow to the same boxes. For: . ##### Forty rows, one press - Where the cards would be many, they come as one list with a box per row and Apply all; each row still goes through the same door one by one, and the answer says what landed and what was refused. For: . ##### A message you edit, then send - A reminder to a client, a request for a receipt to a colleague, an answer in WhatsApp: the assistant writes the draft, you change it and press Send. It never sends on its own. For: . ##### A question that runs on a schedule Every Monday at nine: what is burning, the two-week forecast, who is overdue. A saved question with a schedule and a channel, answered in Telegram, Slack, a letter or a card on the home, with your rights and no card that moves money. - Any question the assistant can answer becomes a report this way, and stops when you stop it. For: . ##### What it remembers, in a list you can read The accountant is Maria, the investor update goes out on the 5th, answer in USD: a note about the space, kept by the owner or an admin, or a note of your own. Nothing is kept until you press Keep. - Only from a card you press or from Settings, never from a phrase in passing: the card shows the words and the scope, and the words are yours to edit before you keep them. A card number, an IBAN, a key or a password is refused before anything is kept. - Up to thirty notes about the space and thirty of your own, listed in Settings under the assistant, where one can be added or dropped by hand. Every answer that used a note says so; ask what it remembers and it lists them, ask it to forget one and the notes come as buttons. For: . ##### Yesterday's conversation, on any device Every answer is kept as a turn of your own conversation, so continuing it works after a reload and on another device. The clock button lists them, newest first, each named by its first question; pick one and the next question continues it. - The plan sets how long they are kept: seven days on the free plan, ninety on Pro, without a limit on the company plans. Forget drops one for good, and Privacy & data counts them and forgets them all. - A conversation is yours alone: the owner of the space does not read a member's, and nobody else's appears in the list. A card restored from an old conversation is shown, not pressed: its figures are old, and a new question brings a fresh card. For: . #### Crypto and wallets ##### Wallets and exchanges Where does the treasury sit, on which chain, and is that figure right now? - Six exchanges connect with a read-only key that cannot withdraw; a wallet is watched by its address, imported, or created in Orla with a twelve word seed shown once and encrypted in your browser. Orla never holds a key in the clear. - An EVM wallet names the network its books follow: Ethereum, Base, Arbitrum or Polygon; the address is the same on all of them, the balance and history are not. - Prove a wallet is yours by signing a short challenge, and it earns a Verified badge; a top up sent from a verified address matches on its own, one from an unverified address never does. - Balance history per account, the exchange's own trading result as its fourth figure, a low balance alarm, and every balance reconciled against the provider. For: Treasury, Founder, Finance lead. ##### Send, receive, swap Can we move coins from here without handing over a key? - Send, receive and swap from a verified wallet, signed locally or through WalletConnect in the wallet you already use; the address is screened and the fee is estimated before the confirmation. - A swap is quoted at the best routed price with the minimum received, the network fee and Orla's own fee shown, never added on top; a route without a guaranteed minimum is refused. Ethereum, Arbitrum, Polygon, Base, TRON and Solana, with a bridge between them. - Once the chain confirms, the two legs take the amounts the chain recorded and the cost basis follows them; above the approval threshold a swap becomes a request for co-signers. - A transfer between your own wallets is neither income nor an expense, only a move between them. For: Treasury, Founder, Finance lead. ##### Earn and borrow Can idle stablecoins earn without handing over the keys? - Aave v3 positions per wallet with their rates, on Ethereum, Arbitrum and Polygon; Orla never holds a key. - Calldata prepared unsigned, the health factor shown before and after, a quorum on the large ones; withdrawing all approves only what the position is worth. - Liquidation risk is watched hourly; borrowing stays off without that watch. For: Treasury, Founder, Finance lead. ##### Payouts on chain Who signs the payroll, and when is a payout really out? - Up to 200 payouts per batch: CSV preview, duplicate warning, autosave, and a template for the next one. - A queue for signature with an approval threshold and the number of signatures it takes; the person who prepared a payment never signs it themselves, and the rule checks the batch total, so it cannot be dodged by slicing. - TRON, EVM and Solana payouts with a quorum; an on-chain row becomes executed on the broadcast, not before. On Solana the fee is paid in SOL, and the preview says so. - A contact carries its wallet per chain; changing its rails takes the trust away until it is verified again. For: Founder, Finance lead, Treasury. ##### AML screening Is this address safe to pay? - Screen an address before you pay it or the one that just paid you; keep addresses under watch; unscreened inbound money queues up, screened by hand or hourly. - Every screening is one credit from a monthly grant that carries over up to three months, and a verdict under a week old is reused in the space for free. - The record stays: who screened what, when, and the verdict, exportable as a journal. For: Treasury, Finance lead, Founder. ##### Anti-fraud monitoring Is anyone we pay playing games with our payouts? - TRON and Ethereum payouts watched for the patterns fraud leaves: kickbacks, ghost employees, split payments, brand-new wallets, and links to addresses known for scams. - Nothing to set up: your wallets and the contacts with crypto addresses are watched, and the role of each counterparty decides which patterns apply to them. - A finding names who, how much and why it fired; mark it handled or normal, or open the evidence as a PDF case with a public link for 30 days. For: Treasury, Finance lead, Founder. ##### Cost basis and tax What did this coin cost, after three swaps, and does the year reconcile? - Cost basis FIFO, LIFO or HIFO with the date and cost of acquisition, kept through every swap; realised crypto gains in the same report as the rest of the money. - A trade is priced at its minute; a transfer between your own wallets is not income; a deposit on Aave is not a disposal. - The year in four steps: what is not ready, does it reconcile, the return, the seal. A sealed year reports its own drift, and the book is checked against the chain. For: Accountant, Finance lead, Treasury. ##### Agent wallets Can a machine pay for what it uses, and what is the worst case? - An agent gets a wallet of its own, EVM and TRON: the balance on it is its whole budget, so no mistake in any rule can spend more than you put in. - A ceiling per request and per day, the x402 hosts it may pay, the merchants its card accepts; over the per request ceiling is refused, over the daily one waits in the queue. - Every dollar it moved has a receipt: which agent, whose money, how much, to whom, and who decided. Watch mode by default; an agent never signs. For: Founder, Finance lead, Treasury. ##### Cards from the treasury Can the team spend the stablecoin treasury on a card? - Virtual Visa cards from one prepaid balance, topped up in USDT or USDC when the balance runs low; a top up from a verified wallet matches on its own. - A card per person with a ceiling, freeze and block; the issuer's history is checked against what you allocated, so a stray charge shows up the same day. - Cards for agents, fenced by merchant. Refunds and chargebacks are answered in the books on their own. For: Founder, Team member, Office manager. ##### Who can move money Who in this book can move money, and what holds them? - Roles: owner, admin, member, viewer, accountant. Swapping is its own permission, granted by the owner. - Signing rules: a threshold, the number of signatures, address book only, a monthly allowance per person counted across every door, chat and agent included. - The authority map: who can move money, and what holds each of them; a monthly oversight report frozen the day after the month ends, with the exceptions listed. For: Founder, Finance lead, Treasury.