Money your team can spend, and investors can see.
Fund accounts, set budgets and approvals, and let your business software record spending with one SDK call. Balances never go below zero, and the history is never edited.
- No card needed
- Every feature included
- Built on Neuctra Authix
Expansion fund
Investment account · USD
- Balance
- 20,000
- Held
- 0
- Available
- 20,000
- +20,000.00
Opening investment
Investment · Dashboard
A live example. Every change updates the balance, and nothing goes below zero.
Never below zero
Spending more than is available is refused, and nothing is deducted.
Approval before it goes
Above a line you set, spending waits for an approver.
History never edited
Mistakes are reversed with a reason. Closed months stay closed.
A live view for investors
A read-only link with balances, spending and runway.
Part of the Neuctra suiteNeuctra Authix keeps your sign-in and every recordNeuctra UI draws every screen
Operating
Needs approval above 1,000.00
- Balance
- 6,800.00
- Held
- 1,500.00
- Available
- 5,300.00
Needs approvalAPPROVAL_REQUIRED
Above the 1,000.00 line, so Sara sees Ask for approval. An approver decides, and approval holds the money.
Every payment is checked before it happens
Drag the amount and switch who is spending. The same rules apply in the dashboard and to every system with a key.
- Balance
- The money in the account.
- Held
- Reserved for purchases that are approved but not paid yet.
- Available
- Balance minus held. Every spending check uses this number.
From the first deposit to the investor update
Four steps, set up once. After that your systems report the spending and everyone sees the same numbers.
Step 01
Fund an account
Create a pool like Expansion fund and record the money you put in.
Expansion fund · Investment account
20,000.00
Opening investment
Added by Amna from the dashboard
Petty cash
New account · 500.00 opening
One ledger, four ways to use it
Whoever puts the money in stays in control of it, and everyone who needs to see it can.
Small and growing businesses
Budgets that hold, approvals before the money goes, and books your accountant can close. Each budget warns at 80% and 100%, or refuses anything that would go over.
Budgets and categoriesNovember budgetsSpent of budget
- Advertising2,450 / 3,000Past 80%
- Software410 / 600
- Rent1,200 / 1,200Hard limit reached
Agencies
One account per client budget, the right access for every person, and a share link per client.
Teams, roles and limitsInvestors and projects
Fund a project and see what it spends, live, on a share page in your own colours.
Keeping investors in the loopDevelopers
Connect your softwareReserve money, then spend it. Signed webhooks, safe retries, and keys you can lock down to some accounts and amounts.
await finance.expenses.record({ accountId, amount: 1200 })
Stop the wrong payment before it happens
The same rules apply to everyone: people in the dashboard and every system with a key.
1import { NeuctraFinance } from "@neuctra/finance";
2
3const finance = new NeuctraFinance({
4 serverUrl: process.env.NEUCTRA_FINANCE_URL,
5 apiKey: process.env.NEUCTRA_FINANCE_KEY,
6});
7
8const { account } = await finance.expenses.record({
9 accountId: "acc_3f9a1c",
10 amount: 12000,
11 category: "Rent",
12 reference: "RENT-2026-11",
13});- API
POST /v1/expenses
201 Created in 84 ms
One call from any app your business runs on
A zero-dependency SDK for Node.js, React and Next.js, a documented API, and an OpenAPI file for everything else.
npm install @neuctra/finance
Safe to retry
Idempotency keys mean a timeout never charges an account twice.
Keys with limits
Permissions, accounts, amounts, IP addresses and an end date, per key.
Signed webhooks
Know the moment money moves, with a signature you can check.
Hand your accountant a month that adds up
Reconcile, check, review, export and close. No spreadsheets passed around by email, and a history that only ever grows.
- 1
Reconcile with the bank
Upload the statement as CSV. Lines match by amount and direction within three days.
- 2
Check balances
Every account's full history is added up and compared with its balance.
- 3
Review the month
Statement, cash flow, runway, and budgets against what was spent.
- 4
Export
Hand your accountant the month in the format they import.
Close the books
Nothing can be recorded or reversed on or before the closing day.
What your accountant gets
- Transactions (CSV)
- Every transaction of the month, with who recorded it and whether it is reconciled.
- Journal (CSV)
- Double entry, a debit and a credit line each, with your account and tax codes.
- Everything (JSON)
- The whole business for your own records. Owners only, secrets left out.
A live view your investors can open without an account
Send each investor a read-only link with balances, spending and runway. It updates live, counts its views, and is never indexed by search engines.
| Question | Share link | Viewer role |
|---|---|---|
| Needs an account | No | Yes |
| Sees | A summary page | The whole dashboard, read only |
| Best for | Investors, lenders, a board | Partners who check in often |
| Ends | On expiry, or when you turn it off | When you remove them |
Shared with Seed investors
Updated just nowBalance
48,200.00
- Put in
- 120,000
- Spent
- 71,800
- Runway
- 7.4 months
Drawdown by account
- Product build62% spent
- Marketing35% spent
- Operations18% spent
Built for numbers people have to trust
Your accountant, your investors and your team all rely on the same history. These are the promises that keep it honest.
Records you own
Every record lives in the business owner's own Neuctra Authix account. Only our server holds the secret key.
Password asked again
Keys, webhooks, share links, approvals and closing the books ask for it if 10 minutes have passed.
Secrets never stored
Keys, invites and share links keep only a fingerprint, so even we cannot show them again.
Keys that do one job
Tick the permissions, accounts, amounts, server addresses and end date for each key.
A ledger that cannot be quietly changed
Never below zero, never charged twice, never edited, and closed months stay closed.
Signed webhooks
Every message carries a signature and a time, and private network addresses are refused.
Free while we are in beta
Every feature, with no card needed. The beta has limits so the service stays fast for everyone.
Free beta
0per month, during the beta
- Accounts, transactions and debts with instalments
- Budgets, approvals and holds
- Team roles with per-person limits
- Reports, runway, reconciliation and closing the books
- Share links for investors and partners
- The SDK, webhooks and the audit log
Beta limits
- Businesses you own
- 3
- Team members per business (with pending invites)
- 10
- Active API keys per business
- 10
- Webhooks per business
- 5
- Active share links per business
- 10
- API requests per month (all your businesses)
- 50,000
Need more? Contact the Neuctra team and your limits can be raised.
Pricing detailsPut your first account on the books
It takes about ten minutes. Your team and your software can join later.
- Free during the beta
- No card needed
- Every feature included