CASE 04 · SAAS · FINTECH
An online service that pulls a company's money out of every bank account into a single picture and shows how much the business actually earned. A subscription web service plus a mobile app — for small businesses juggling several accounts and several product lines.
CHALLENGE
Bookkeeping computes taxes, not profit. Balances sit in three accounts at different banks, part of the costs are paid in cash and part on the owner's personal card. To find out whether the month was profitable, the owner opens Excel and reconciles statements by hand — several days a month, with mistakes, and always too late.
The simple questions go unanswered:
Off-the-shelf accounting software doesn't answer any of this: it is built for tax reporting, not for the owner's management decisions.
SOLUTION
The service connects to the banks and pulls the statements itself. Nothing has to be exported and uploaded by hand — transactions show up hourly.
The service learns from the owner's actions: show it once that a payment is “warehouse rent”, and every similar transaction is tagged automatically. Review takes minutes a week instead of days a month.
The home screen answers “how are things going” in a few seconds: cash on hand and its trend, revenue by product line, the cost structure, and where the money went over the period.
FEATURES
Cash in the accounts and its trend, revenue by product line, the largest cost items, and a highlight on whichever item grew unexpectedly. One screen instead of a ten-page report.
Cash flow, P&L, return on investment, revenue by product line, week-over-week comparisons, plan versus actual — 14 ready-made reports. Every one exports to Excel.
Every transaction in one ledger: splitting a payment across several items, transfers between your own accounts, multi-currency at the central bank's official rate, tags and counterparties.
Alfa-Bank (Belarus) through the bank's own interface, plus Modulbank, T-Bank and Tochka. If a bank isn't on the list, statements can be uploaded as a file. The service never stores online-banking passwords.
Several companies in one account, plus access for an accountant or a partner with restricted rights: some people see everything, others only their own product line.
The key numbers on your phone, Face ID sign-in, switching between companies. For the owner who checks on the business away from their desk.
82 articles with step-by-step instructions and screenshots. A “?” button on every screen opens the article about that exact section, without leaving the work behind.
BEFORE → AFTER
Several days a month reconciling statements in Excel
Minutes a week reviewing the automatic categorisation
A financial picture that is a month out of date
Current data every day: transactions sync hourly
“I think we made money”
Profit per product line, in numbers
A cash shortfall is discovered after the fact
The balance and its trend are visible in advance
Reports have to be requested from the accountant
The owner opens the report themselves, phone included
AI ASSISTANT
The owner connects Claude or ChatGPT to the service and asks the way they think: “sort out July's transactions”, “why did costs go up”, “show me the cash flow for the quarter”. It is a rare feature on this market — most accounting services don't offer anything like it.
Financial data is the most sensitive thing a company has, and a language model by its nature offers no guarantees. So the security boundary is drawn outside the model rather than inside it: access is restricted on the service's side by the same rules that apply to a human, and every write goes through the owner's confirmation.
PROJECT SCOPE
A web account, a mobile app, integrations with four banks, 14 ready-made reports, a role-based access model, subscriptions and pricing plans, a help base and a live production environment. Some of the larger milestones:
STACK
Data is stored on a dedicated server and accessed over an encrypted connection. Every bank connection goes through the bank's own official interface: the service stores no online-banking passwords and never acts on the client's behalf where the bank hasn't provided for it.
SEE ALSO
Management accounting and sales analytics, 500M+ transactions, calculation core inside the database.
Cash flow, P&L and per-product unit economics, LLM-to-SQL, deployed inside the client perimeter.
Service pages with scope and pricing are available in Russian.
CONTACT
I'll design and build an accounting service around your processes — from bank integrations to reports and a mobile app. Message me on Telegram — we'll scope the task, timeline and budget.
Message on Telegram dnovoselov@bk.ruI reply within 3 hours on weekdays
A project's budget and commercial terms belong to the client, and I don't publish them. Your project will be treated the same way. My own price ranges are in the Pricing section.