Collections that don't chase people.

Invoices with installment plans. Reminders that go out on their own, over WhatsApp and email, inside quiet hours. A payment link the debtor can open without an account. Bank transfers with receipt photos read by AI — and a human approving every cent before it counts.

Open workspace →

what it will do

Designed end to end — before a line of code.

// Every capability below is specified down to edge cases. None of it is built yet.

Invoices with installment plans — each installment’s state is a projection of the ledger, never an editable column
Automatic reminders with deduplication, quiet hours and your timezone
A public payment link — no account needed, flexible amounts, auto-revoked once paid
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
Automatic PDF receipts over WhatsApp and email

why design comes first

It touches money. So it waits its turn.

Fully specified

Routes, states, edge cases, who-can-touch-money permissions and a four-wave build order — written and adversarially audited before building.

Ledger first

Kiipu sits on a double-entry, append-only ledger. That foundation gets built and hardened before any collections UI exists.

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

Kiipu is a blueprint today — deliberately. What that means:

No code has been written yet. It sits on niiko's double-entry ledger, which gets built first — money deserves foundations, not shortcuts.
It will not be general accounting, and it will never move funds — it works with bank transfers and receipts, not card processing.
It will not do tax e-invoicing.
No dates. It ships when the ledger under it is solid.

// meanwhile

See what's already live.

Miira is answering real WhatsApp leads in production today — same platform, same standards Kiipu will be built on.

See Miira live →