Specified first
Routes, states, edge cases and who-can-touch-money permissions were written and adversarially audited before any of it was built.
kiipu — collections
Collections that don’t chase people.
live — core in productionA payment link the debtor opens without an account. Reminders that go out on their own, over WhatsApp and email. Receipt photos read by AI — and a human approving every cent before it counts. All of it on a double-entry ledger where nothing is ever deleted.
An invoice split into three installments, one paid, with its payment link and a receipt photo waiting for a person to approve it.
what it does
Money moves through one auditable path.
Every line below is running in production today.
- Invoices with installment plans — each installment’s state is a projection of the ledger, never an editable column
- A public payment link — no account needed, one link per debt, revocable when you need it
- Automatic reminders over WhatsApp and email, deduplicated
- Receipt photos read by AI — it suggests amount, date and reference; it never applies a payment on its own
- A human approves every payment before it touches the books — always
- A double-entry ledger where corrections are new entries; nothing is ever deleted
The path
- Invoice
- Payment link
- Receipt photoevidence, not an entry
- Approvalalways human
- Ledgerappend-only
- 01Invoice → installmentsledger projection
- 02Public payment linkno account, revocable
- 03Receipt photo, read by AIsuggests, never applies
- 04A human approves ithuman, every time
- 05Ledger entrydouble-entry, must balance
why it was built this way
It touches money. So the foundation came first.
Ledger first
Kiipu sits on a double-entry, append-only ledger. That foundation was built and hardened before the collections UI existed.
The name says it
Kiipu comes from the quipu — the Andean system of knotted records: an auditable, append-only account of what’s owed and what’s paid.
What it does NOT do yet
What is running today, and what is not:
- Running in production: payment links, automatic reminders, AI-read receipts, the approval queue and the ledger underneath all of it.
- Reminders go out on a schedule you configure per workspace — not a single global hour.
- It is not general accounting, and it never moves funds — it works with bank transfers and receipts, not card processing.
- It does not do tax e-invoicing.
see it working
It isn’t alone in production.
Kiipu collects, Miira answers real WhatsApp leads and Ciita books them — same platform, same ledger, same standards.