Money

The job nobody wants: knowing what is about to charge you, and what is still charging you for something you stopped using. Tell your agent “the design seat is $59.99 monthly on the 3rd”, or “Netflix is $15.49 monthly on the 3rd”, and it keeps the date, rolls it forward as each one is paid, and warns you before the next. Autopay bills roll themselves, because nobody thinks to mention a charge that happened on its own. Ask what a month costs and get the arithmetic across weekly, monthly, quarterly, and yearly, done properly. With Email Manager (or another skill that reads your mail) installed, it will go and find the subscriptions you forgot to mention. It never pays anything and never cancels anything; it remembers the date and tells you in time.

Made by Otian AI.

A bill announces itself three days early and then leaves you alone. Autopay ones arrive as a heads-up that they will charge on their own; the rest as a nudge to pay. It speaks when a date crosses that line and not otherwise, so a quiet week is quiet, and it says a bill once rather than every morning until you have dealt with it. If a date goes by, you hear that once too. Reply that you paid one and it rolls the date forward to the next cycle.

Works with

• Bill Tracker skill

Made by Otian AI.

Both halves of the month, in one place. Log spending the way you would text a friend, “$14 lunch”, and it files the amount, the date and what it was for. Tell it once what you earn and when it lands, and it stops being a spending log and starts answering the question everyone actually has, which is how much is left. Ask where the money went and get honest totals by category, biggest first. Ask whether you can afford something and get the arithmetic, including whether it would eat into a savings goal, with the decision left to you. It exports to a spreadsheet when taxes or an expense claim need it. It never moves money and never judges what you spent it on.

Made by Otian AI.

The bills list and the purchases list are only as good as what gets logged, and logging is exactly the kind of vigilance worth retiring. Each week this sweep reads recent receipts and order confirmations from your inbox, skips everything already tracked, and hands you the new finds in one short message: subscriptions first, purchases second. Reply "add them all", or name just the ones you want, and they're saved. Weeks with nothing new stay silent.

Works with

• Bill Tracker skill

Made by Otian AI.

Most people carry three cards and use the wrong one most of the time, because nobody remembers which earns what. Add each card once and your agent keeps the rates on its row, so the answer at a register is one line and instant. The part that actually pays for itself is the rotating categories: cards that change their bonus every quarter earn the base rate until you activate them, and almost nobody does. It checks whether yours are switched on, tells you when a quarter has turned, and can go and fetch the new list. It never recommends a card you do not have, never suggests applying for one, and never states a rate it did not read from your own row.

Made by Otian AI.

Some cards change which purchases earn the most every three months, and they only pay the higher rate if you switch the new categories on. Forgetting is the quietest way to lose money on a card you already carry; nothing tells you, and the rate simply drops back to the base. This checks your saved cards each week and stays silent unless one has categories waiting to be activated, or a quarter has turned over and its categories look out of date. When it does speak up it says which card, what the new categories are, and that they need switching on in the issuer's app.

Works with

• Card Rewards skill

Made by Otian AI.

Tell your agent what you follow, whether a few stocks, an index fund, or some crypto, and it keeps the list. Ask "how are my stocks" and it sends your researcher out once for everything, then gives you one line per symbol: which way it moved and why, plus a line on the broad market. It flags upcoming earnings dates and never tells you to buy or sell. Prices come from web search and can lag a little, so it says so when exact numbers matter.

Made by Otian AI.

Each morning your agent reads your watchlist, sends its researcher out once for everything on it, and messages you one line per symbol plus a line on the broad market. Quiet day, quiet message: if markets were closed and nothing notable happened, it keeps it to one line.

Works with

• Market Digest skill

Made by Otian AI.

Say "watch the Sony WH-1000XM5 for me, I'd pay $250" and it's on the list. Ask "check my prices" any time and your agent checks what Shopify stores charge right now and searches the web for the rest, then tells you plainly what hit your number and what's just close. It only calls something a deal when it's at or under the price you set, so when it says deal, it means it.

Works with

• Shopify Catalog

Made by Otian AI.

Once a week the agent looks up the current price of everything you're watching, puts today's date at the top so the message itself is your record, and sends the short version: anything at or under your target, then real drops. A scheduled run only reads, so when a price has moved it tells you to say "check my prices" whenever you want the list brought up to date; that checks again and offers to save the new prices onto your list. A quiet week is one line: prices held.

Works with

• Price Watch skill

Made by Otian AI.

A return window closes quietly and nobody sends a reminder. This one speaks the week before yours does, and a month before a warranty ends, one line per item with the date and the days left. Return windows come first, because those are the ones that cannot be recovered. It says each deadline once rather than every morning until it passes, and it stays silent entirely on the days nothing is coming up.

Works with

• Warranty Returns skill

Made by Otian AI.

Say "bought a Dyson at Costco yesterday" and your agent saves the purchase with its return-by and warranty dates. If you don't know the store's policy, it suggests a typical one for you to confirm. Months later, ask "can I still return the blender?" or "is the TV still under warranty?" and you get a straight yes or no with the days left. It even notes where the receipt lives, whether your email, a shoebox, or your store account, so you can find it when it matters. With a mail-reading skill installed (Email Manager, Package Tracker, or Waiting On), "scan my email for purchases" pulls recent order confirmations into the list for you to confirm, so logging stops depending on your memory.

Made by Otian AI.

Hand-entering a year of card charges is how a whole weekend disappears, which is why it keeps not happening. Drop a statement PDF into the chat instead. Your agent enters every charge as a row, reads the statement's own total back against what it entered so nothing slipped, and fills in the categories it can defend. What it cannot place, it asks about once, in one numbered batch, and it checks your emailed receipts first so the batch stays short. Every answer becomes a rule it keeps: January asks about forty charges, June asks about three. When the accountant or QuickBooks needs the result, it writes the file, either the plain import CSV or the full books with the category and the business-or-personal call on every line. With Statement Collector installed, the statements themselves arrive without you fetching them. Money In & Out is the running money conversation you log into as you go; this is the complete card record. It never connects to a bank, never pays anything, and never guesses a number.

Works with any email account connected on the agent's Connections tab, under Email, calendar, files.

Works with

• an email account

Made by Otian AI.

Every budgeting app has the same unfinished pile: the transactions that came in and never got sorted. They are mostly obvious, which is what makes clicking through them one at a time feel like such a waste of an evening.

Connect Lunch Money and your agent reads the real ledger. Ask what is uncategorized and it lists them with payee and amount. Ask what you spent on a category and it answers from the real numbers. Ask whether you are over and it compares budgeted against spent for the period.

Tell it to file them and it proposes a category for each, all at once, and shows you the list before anything moves.

Works with

• Lunch Money

Setting up Lunch Money Keeper

1. Get the token at my.lunchmoney.app/developers. It is one screen with the token on it.

Made by Otian AI.

Stripe emails you about every one of these and the emails become weather. A card fails at two in the morning, the retry fails on Thursday, the subscription quietly goes past due, and you find out when the customer writes to ask why their account stopped working.

Connect Stripe with a read-only restricted key and your agent reads the real ledger. Ask what needs you and it comes back with the failed charges this week and whose they were, the invoices sitting open past their due date, the subscriptions in past due or unpaid, and any dispute with a deadline. Ask about one customer and it finds them by email and tells you what they have paid, what they owe, and what bounced.

It can refund a charge, void an invoice and cancel a subscription too, and every one of those is shown to you before it happens. Nothing moves money without you saying yes.

Works with

• Stripe

Setting up Revenue Watch

1. Make the key at Stripe, under Developers, API keys, and press Create restricted key. Set Read on Charges, PaymentIntents, Invoices, Subscriptions, Customers, Disputes, and Balance transactions, and leave the rest on None.
2. That read-only key answers every question here and cannot move a penny. Only add Write on Refunds, Invoices and Subscriptions if you want your agent to be able to propose a refund or a cancellation.
3. Check whether you are in test mode or live mode when you make the key. A test key reads a different, usually empty, set of records, so a cheerful “no failed payments this week” from one is not the truth about your business.

Made by Otian AI.

Every month there is a circuit: nine websites, a login on each, a date range, a download button, and a filename you have to invent. This does the circuit.

It starts from your inbox rather than from a list. The bills already arrive as email, so the sender tells it which accounts you have and the message tells it roughly when each one lands. It proposes what it found, you confirm once and sign in once per site, and after that the list keeps itself: a utility you signed up for last week shows up on its own, and one you canceled stops being asked about.

What you get back is not nine PDFs and a shrug. Each statement is filed where you can find it, the amount is read off the page, and you are told the one thing worth knowing: this bill is higher than usual, this one has a new charge on it, this one did not arrive at all.

It uses each site itself, in a window you can watch (Connections tab, under Computer control), and it stops before anything it cannot undo. It never sees your passwords: you sign in yourself, once per site, in your agent's own browser.

Works with any email account connected on the agent's Connections tab, under Email, calendar, files.

What Statement Collector needs

Needs Computer control turned on, which is off until you switch it on. Your agent works the site in a browser window on your own computer, and you can watch it. It never types a password or a card you pay with, and it asks before pressing anything that finalizes.

Works with

• an email account

Made by Otian AI.

Business banking asks you to keep two numbers in your head. The one on the screen, and the one that will be true once the three things in flight have settled. The gap between them is where a bounced payment lives.

Connect Mercury with a read-only token and your agent reads the real accounts. Ask what the balance is and it gives you both figures and says which is which. Ask what came in this week and it reads the credits, not the net. Ask whether a transfer landed and it tells you whether it has posted or is still pending, which is the question you were actually asking.

Read-only is the right token for all of this, and it is the one that needs nothing else set up. Your agent cannot move money on this connection, whatever anyone asks it.

Works with

• Mercury

Setting up Mercury Watch

1. Make the token in Mercury, under Settings, Tokens, and choose Read Only. Read Only answers every question here and needs nothing else set up. A read and write token would make Mercury ask for more, and would let your agent be asked to move money.
2. Copy the whole token, including the part before the colon. Mercury's tokens start with secret-token: and dropping that first part makes every call fail as if the token were wrong.
3. Mercury deletes a token that has gone forty-five days without being used. If your agent stops being able to read the account after a quiet stretch, that is why, and a new token fixes it.

Made by Otian AI.

Stripe emails you about every failed payment, and after two weeks those emails are weather. The card that failed at two in the morning, the retry that failed on Thursday, the subscription that quietly went past due: each one arrives as another message in a pile you have stopped opening, and you find out when the customer writes to ask why their account stopped working.

This reads the ledger itself, once at the end of the day, and says only the part that needs a person. Who failed to pay and the reason their card gave, because an expired card and a declined card need different things done next. Which invoices are sitting past their due date and the total they add up to. Which subscriptions are in trouble, including the ones still running that are set not to renew, which is the quietest way a customer leaves.

On a day when nothing failed, nothing lapsed and nobody disputed anything, it says nothing at all. That is most days, and it is what makes the message worth reading on the day it arrives.

It reads only. Refunds, voided invoices and cancellations stay things you ask for.

Works with

• Revenue Watch skill

Made by Otian AI.

A savings goal fails quietly: you know the number, you have no idea whether you are actually going to make it. Tell your agent what you are saving for, how much and by when, and it keeps the running total, the history of what you put in, and an honest read on the pace. Ask if you are on track and it works out what you need per month from here against what you have actually been managing, then says plainly whether you are ahead or behind. Pull money back out and it recalculates without a lecture, because that is a normal thing that happens. It holds the reason you started, in your words, and brings it up when the number alone is not enough.

Made by Otian AI.

Splitwise is good at arithmetic and bad at answering the question. You open it to find out whether your roommate still owes you for the water heater and you get a list of thirty-one entries, four currencies and a running total you have to interpret.

Connect Splitwise and your agent reads the live groups. Ask who owes you and it answers with names and amounts, not a ledger. Ask about one person and it tells you what is between the two of you and what it was for. Ask what the house has spent this month and it adds it up.

Tell it you paid for dinner and split it with three people and it works out the shares and shows you the expense before it goes anywhere. Nothing is added to somebody else's balance without you seeing it first.

Works with

• Splitwise

Setting up Splitwise Keeper

1. Get the key at dev.splitwise.com. Register an app if it asks, then use the API key it shows you rather than the OAuth details.

Made by Otian AI.

Square knows what came in this week, which invoices are still open, and which customer paid with which card. Finding any of it means opening the dashboard, picking a date range, and reading down a list.

Connect Square and ask instead. “What came in this week?” comes back with the total, how many payments, and the dates it counted. “Who hasn’t paid?” lists the open invoices, overdue ones first, with how late each is. “When does my money land?” reads your payouts.

Say “invoice Dana for the color and cut, $120, due next Wednesday” and your agent finds Dana, drafts the invoice in your Square, and shows you who it goes to, the amount, the due date, and the email address before anything is sent. A refund works the same way: whose payment, how much, and which card it goes back to, and nothing moves until you say yes.

It does not charge cards, cancel an invoice that already went out, or change a booking. Those stay in Square.

Works with

• Square

Setting up Square Keeper

1. Sign in at developer.squareup.com with your Square account and make a new application. Name it Archie.
2. Open it, choose Credentials on the left, and pick Production at the top of the page. A Sandbox token reads a pretend account, not your business.
3. Under Production access token, press Show, then copy the token.

Made by Otian AI.

Accounts do not share a closing date, so a monthly round is either early for half of them or late for the rest. This watches the date your agent keeps against each account and runs that one when it comes up: the card that closes on the 3rd is collected on the 3rd, and the one that closes on the 27th is left alone until the 27th.

The dates are not yours to keep. Your agent works out when each account's statement lands from the mail that already arrives, writes the date down, and moves it forward every time it collects one. If a bank shifts a cycle, the next statement email shifts with it and so does the date. You can edit any of them on the Knowledge tab, under Lists, in the Statement schedule list, and you will not need to.

A day with nothing due is silent. When something is collected you get the PDF, the amount, and whatever is worth knowing about it: higher than usual, a charge that was not there before, or a statement that should have been ready and was not.

It needs Statement Collector, whose sites you sign in to once each. Nothing here handles a password, and nothing here pays anything.

Works with

• Statement Collector skill

Made by Otian AI.

The part of budgeting that nobody keeps up is the categorizing. Transactions land all week, most of them obvious, and the pile waits until the evening you finally sit down and click through forty of them deciding that yes, the corner store was groceries.

Connect YNAB and your agent does the reading. Ask what is uncategorized and it lists them with payee and amount. Ask what you spent on a category this month and it answers from the real numbers. Ask where you are over and it compares budgeted against activity, category by category.

Tell it to file them and it proposes a category for each one, all at once, and shows you the list before anything moves. You are approving a page instead of clicking through forty screens.

Works with

• Ynab

Setting up YNAB Keeper

1. Make the token in YNAB, under Account Settings, Developer Settings, New Token. It is one screen, and nothing to set beyond copying it.

Made by Otian AI.

Money talk usually arrives with a lecture attached. This one does not have one. Ask what you spent and you get the figure first, then what it does to the month, then the single change that would move it most, sized. It never calls an amount 'just' anything, never congratulates you for an ordinary week, and never tells you what your spending says about you. It rounds when it is speaking and gives you the cent the moment you ask, and it always says whether a number was counted from real transactions or estimated. When you overspend it states the amount and how much room is left, then stops. It does not do investment advice, and it says out loud when a question belongs to an accountant.

The Bookkeeper in a conversation

Made by Otian AI.