Opening…
For freelancers paid through PayPal
fipa reads your invoices, bills and card spend and tells you in one sentence whether you're fine this month. If a client is late, it suggests sending them the payment link again. fipa sends nothing to a client; you copy the link yourself.
The sample is Ben, a fictional designer in Tokyo. PayPal runs in sandbox, so no real money moves.
We email you a one-time link. If you've been here before, it signs you in. If you're new, it starts your account.
Invited to a household? Open the link in your invite email. It signs you in to that household.
No password. Your email is used to sign you in and for reminders you turn on. Privacy
This is Home for the sample household. The sentence names the day and the client. The action fixes it.
Saturday, November 14
You're fine if Acme and Northwind pay as usual. If they're late, you're ¥18,780 short on the 27th.
Safe to spend now
¥0Includes ¥61,000 on Card B not yet billed.
Beacon Studio hasn't been billed for Brand refresh, milestone 2. Invoicing $400 today can help cover the shortfall.
Your bills, cards and the clients who pay you. Forward a bill email or upload a photo, and fipa reads it. Nothing counts until you confirm it.
A date and a client name, not a score. The forecast covers the next 30 days twice: clients paying on time, and clients paying late.
Make a payment link for finished work, or send a late client the link again. You tap Approve and copy the link to your client. When they pay, the sentence changes.
Ask about a bill, a month or a plan. The answer comes from fipa's own numbers, laid out as a small chart you can pin to Home.
Bring your own AI key from Anthropic, OpenAI, Google Gemini, OpenRouter, Groq, and Mistral. The model words the answer; it never does the maths and can't send money.
Can I afford a ¥40,000 trip on December 5?
After the trip you'd have ¥180,220 on December 10 if clients pay as usual. The tight day if clients pay late is still Nov 27, before the trip.
Based on: your forecast, Card B statement