Fintech Enterprise

Lipa

The command post for a one-person company. One queue for everything that needs a decision, with the money attached, and a close that finishes without you.

Lipa: one queue for everything that needs a decision, with the invoice amount attached to each row

One screener for the whole company

An unknown email sender, an unread voice memo, a receipt to categorise, an agent action below its confidence threshold, an approval request, a bank transaction to match, a draft invoice to send. All one row, one set of keys, one decision vocabulary.

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The Command Post

One queue for everything that needs a decision. Items are typed — note, task, event, idea — but share one lifecycle, so triage is fast and nothing is lost by refusing to decide today. Triage memory means a decision is never made twice.

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The Money Is Attached

Every row can carry its invoice, customer, payment or expense. "Chase Wanjiku for KES 45,000" is invoice JW-2026-0001: it surfaces because the invoice is overdue, an agent drafts the chase from the dunning policy, and completing it fires the next step.

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Billing OS

Subscriptions with phases, trials and anchor-day billing. Metered usage with charge filters, free units and spend caps. Invoicing with gapless numbering and compound tax stacks. M-Pesa, Airtel Money and card settlement through one idempotent path.

📒

Finance and Accounting OS

Double-entry general ledger on a ~500-account chart. AP and AR with receipt capture, real-time reconciliation from M-Pesa SMS and bank statements, and automated close with flux narratives and a 13-week cash-flow forecast.

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Five Meta-Agents

Bookkeeper, Treasurer, Compliance Officer, Operations Lead and Copilot. Each records reasoning, confidence in basis points, citations and an escalation policy — so an agent that is unsure escalates into the same queue, with its evidence attached.

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Five Languages, One System

English, Chinese, French, Swahili and Arabic ship complete — not behind a flag. Right-to-left is applied at the root, numbers are never translated as strings, and a missing key falls back to English rather than rendering a key name in your screen.

Technical Specifications

Money

  • 787 route handlers, 228 tables, 117 migrations
  • 4,219 tests collected, CI green
  • Integer minor-unit money throughout
  • KRA eTIMS OSCU/VSCU fiscalization at issuance
  • M-Pesa STK, C2B, Ratiba; Airtel Money; cards

Compliance

  • VAT3, PAYE, TOT, WHT via GavaConnect and iTax
  • SHIF, NHIF, NSSF, AHL statutory returns
  • SYSCOHADA-aware chart of accounts
  • Kenya, China, OHADA and PALOP packs, one schema
  • Ten money actions behind a second factor

Clients

  • macOS, iOS and Android — native
  • Linux and Omarchy — Tauri, keyboard-first
  • Web — React/Vite, the command post renders here too
  • One headless screen, two hosts, no drift

Data Ownership

  • Complete double-entry export, documented schema
  • No exit fee, no export fee
  • Full audit trail with actor and timestamp
  • No training on your ledger
  • Six SDKs: Python, TypeScript, Flutter, React Native, MCP, mobile

Run your company from one place

Start on the free tier — a real ledger, not a trial. Talk to our team about a two-week pilot with no fee and no lock-in. We respond within 24 hours.