Where this fits
Your AI already runs your calendar,
your email, and your day.
Most business software still makes you click through forms. That was fine when the fastest thing you had was a mouse. You have Claude now. You have ChatGPT and Cursor. They already draft your docs, read your inbox, and organize your day.
Now they run your invoicing too. Every invoice, quote, payment link, and receipt inside Holdings is a tool your AI can call directly — with your approval on every send. Not a chatbot in the corner. The actual product.
Live today
Invoicing.
Handled.
Say what you want. See what happens. Free. Works with the AI you’re already using.
Send Acme the December retainer, $8,400, net 30.
Drafted for Acme Corp · net 30 · due Jan 5.
Send it.
Sent to accounts@acme.com · payment link included.
— 6 days later —
Acme just paid $8,400.
From
Your Company, LLC
Invoice
#H-2148
Bill to
Acme Corp
accounts@acme.com
What Acme sees in their inbox.
One conversation — draft, approve, send, get paid, book the entry. That’s the whole loop.
Safeguards
Your AI drives.
You still hold the keys.
Letting AI touch your money brings new worries. Here’s what stops them from becoming problems. Every safeguard is on by default — you don’t configure this; you inherit it.
Send
Approval on every send.
The AI drafts. You approve. Nothing leaves your account — no invoice, no email, no payment link — without your click.
History
No delete. No overwrite.
Existing invoices, paid entries, and bank transactions are immutable. An agent can’t touch history — only add to it.
Money out
Money movement stays human.
Wires, outbound ACH, anything that leaves your account — regulated banking flows with your sign-off on anything material. Agentic doesn’t mean unsupervised.
Access
Scoped keys, revoke anytime.
Every API key is per-company and permission-scoped. Rotate or revoke in one click. A compromised key doesn’t compromise your business.
Audit
Full trail on every action.
Who did what, when, from where. You see it. Auditors see it. The AI can’t hide a send, a draft, or a read. Same record system your accountant will trust.
Scope
Reads are broad. Writes are narrow.
The agent can read balances and statuses to help you plan. It can write only in defined lanes (draft an invoice, mark payment received). It can never write outside its scope.
Agentic isn’t unsupervised. It’s superpowered — with the rails you’d have set yourself, on by default.
The PDF gap
A PDF doesn’t get paid.
An invoice does.
Your AI can already write an invoice PDF. Here’s what it can’t do without a real invoicing platform underneath.
The AI is the driver. Holdings is the road.
Where this goes
One AI, running
the whole money side.
Invoicing is where it starts — not where it stops. The same platform, the same system, the same approval line, extended across everything that touches your money. You direct it in plain language. It does the work. You keep control.
Get paid, hands-off.
Live today. Draft, send, chase, take payment, and book the entry — all from Claude, ChatGPT, or Cursor. Free, unlimited, you approve every send.
Books that keep themselves.
In testing now. Your AI categorizes, reconciles, and closes the month — on the same platform where the money moves.
Money that moves on your word.
This fall. Pay bills, move funds, and manage cash across accounts — through the same i3 Bank + program-bank layer, your approval on every transfer.
FAQ
Straight answers.
What does ‘your AI runs the invoicing’ actually mean?
You tell Claude, ChatGPT, or Cursor who to bill and how much. Your AI drafts the invoice, sends it (with your approval), takes the payment, and marks it paid in your books. You don’t open the invoicing app to click through forms; you talk to the AI you already talk to every day.
What can it do the moment I connect it?
Draft invoices and quotes from natural language. Convert quotes into invoices. Send with card or ACH payment links. Schedule recurring invoices. Chase overdue clients. Mark payments received. Reconcile paid entries into your books. Every send needs your approval; every action shows up in a full audit trail.
Why does this work through Claude, ChatGPT, and Cursor?
MCP (Model Context Protocol) — the open standard Anthropic shipped in 2024 for AI agents to actually use real software. Holdings speaks MCP, so any MCP-compatible AI can use every Holdings tool directly. No custom integrations; no chatbots bolted on the side.
Why does everything being in one place matter?
A paid invoice is already in your books. A bank transaction is already reconciled. When you use one platform for bank, books, and invoicing, your AI can actually run it end to end — not stitch four apps together. That’s the whole reason this works.
What ships next?
Accounting your AI runs is in testing now — categorize, reconcile, and close the month on the same platform where the money moves. Banking & treasury your AI runs is next after that — moving money, paying bills, cash management across accounts, all through the same i3 Bank layer. Same rule everywhere: your approval on every send.
Who is Holdings built for?
Founders, operators, and mission-driven organizations who already use AI. If Claude, ChatGPT, or Cursor is already part of how you work, Holdings gives that AI a real job — sending invoices, taking payments, keeping the books current — so you can focus on the work that made you start the business. Freelancers, contractors, agencies, consultants, professional services, and nonprofits all fit the shape.
How does the human stay in control?
Every AI action is a request; the human approves the send. Six safeguards are on by default: approval on every send, immutable history (no delete, no overwrite), money movement stays human, per-company scoped keys with one-click revoke, full audit trail on every action, and narrow write scopes vs broad read scopes. Agentic isn’t unsupervised — it’s superpowered with the rails you’d have set yourself.
What about banking? Do agents touch the money?
Banking is part of the connected platform (i3 Bank, Member FDIC, coverage to $3M, 1.75% APY, program-bank sweep network). Agents can read balances and receipts, and can reconcile transactions into the books — but movement of money still runs through the same regulated banking flows, with the human on the approval line for anything material. Agentic doesn't mean unsupervised.
Start with invoicing.
Add the rest as you need it.
Sign up, connect your AI, tell it who to bill. Free. No lock-in.