Unstructured text is just noise.Money has a Command.
Money Command turns WhatsApp messages, receipts, and voice notes into an auditable double-entry ledger — with deterministic budgets, year-round tax intelligence, and permissioned action automation.
02the connection
A secure connection.Through Meta’s official login.
You authorize in one tap and disconnect whenever you want. Money Command only processes financial logs and receipts you explicitly send.
You connect your WhatsApp
Never your banking password.
You're in control
Nothing posts without your OK.
Bank-grade isolation
SHA-256 HMAC webhook verified.
Only what's verified
Receipts, voice notes & chats.
Money Command wants to access your account
03features & surfaces
6 product surfaces.
One deterministic core.
Whether you converse on WhatsApp, inspect ledgers on the Web Companion, manage multi-entity cash flow as a founder, or grant revocable review to your CPA, the truth reconciles to the exact same double-entry database.
WhatsApp Interface
Text, voice notes, photo receipts, quick transaction confirmations, and Ask My Money.
User Web Dashboard
Reconciled balances, budgets, safe-to-spend horizons, subscription monitor, and CSV/PDF export.
Founder Dashboard
Separation of personal vs business entities, cash flow runway, receivables, and tax reserve planning.
Accountant Portal
Client-granted revocable access for CPAs to inspect provenance, receipts, and tax-year packages.
Organization Dashboard
Privacy-safe aggregate financial wellness and benchmark engagement across corporate cohorts.
Admin Console
Tenant isolation, feature flags, webhook DLQ monitoring, append-only logs, and security oversight.
04how it works & safe-to-spend
One formula
always protects you.
Safe-to-Spend is never an LLM guess. It is a strictly deterministic equation protecting your cash flow, minimum debt payments, and mandatory CRA tax reserves.
“Spent CAD 46 at Walmart on groceries”
05permissioned actions
AI coaches and drafts.
You authorize every dollar.
The Action Orchestrator prepares cancellation workflows and bill negotiation counteroffers, but it cannot bind you to contract changes without explicit, scoped consent.
Never marked “cancelled” until proof of confirmation is captured and verified against future billing cycles.
Any contract extension, financing terms, credit check or fee requires fresh, explicit customer signoff.
06security & ledger truth
Double-entry source of truth.
Non-negotiable ledger.
Money Command enforces strict financial controls: integer minor units (4600 cents), balanced debits and credits, idempotent writes, and append-only reversal corrections.
Integer Math Only
No floating-point rounding errors. Every transaction stored to the exact cent.Append-Only Audit
Posted journals are non-editable. Corrections link to reversing compensating entries.Idempotent Webhooks
Repeated WhatsApp message IDs post exactly one journal. Zero duplicate transactions.07the next actionLive Timing
Settle at the right time.
When safe-to-spend is highest and your continuous CRA tax reserve is completely protected.
CAD 312.40 · Due Friday. Auto-negotiation applied -15% monthly write-off.
08your real audience
Who you invoice isn't what you keep.
The top-line swells with reimbursables and client passes. What you actually own is a different balance, and Money Command gives you exact separation.
09the invite
There is cash hiding in your business that you can't see.
They're buried in zombie subscriptions, untracked GST/HST input tax credits, and forgotten auto-renewals. Money Command puts it together and surfaces every dollar, by name.
Identified CAD 1,420/yr in recurring zombie SaaS and CAD 680 in unclaimed CRA input tax credits across 4 accounts.
10pricing & roadmap
Transparent Canadian pricing.
Deterministic accounting, WhatsApp capture, and year-round peace of mind. Zero bank credential sharing.
For freelancers and creators tracking daily cash flow and safe-to-spend.
- WhatsApp text, voice & receipts
- Deterministic Safe-to-Spend
- Double-entry personal ledger
- Web companion & CSV export
For incorporated founders, agency owners, and multi-entity micro-businesses.
- Everything in Personal
- Multi-entity (Personal & Business)
- Continuous tax reserve calculation
- Accountant Portal sharing grant
- Subscription & bill negotiation coach
60-day organization pilot for accelerators, co-working networks, and founder cohorts.
- Up to 100 member seats
- Privacy-safe aggregate analytics
- Dedicated onboarding concierge
- Custom CRA tax categories
Record CAD 46.00 expense to Groceries from Personal Checking?
Frequently asked questions
The questions we get asked the most.