One operating system for
everything you do with money
Banking, cards, payments, tax, and global operations on one intelligent foundation—so every dollar, decision, and document lives in a single, calm place.
Command center
• LiveTotal balance
$2,418,240
5 accounts · 3 entities
Cash runway
14.2 mo
+2.1 vs. last month
Tax reserve
$142,000
On track for Q4
Net burn
$186,400
−8% vs. last month
$290K is sitting idle in Operating
Sweep to Treasury to earn an estimated +$1,180/mo while staying above your reserve floor.
Money in motion
7 daysReserves
3 bucketsBuilt for finance teams managing complex, global operations
One system, end to end
Most finance stacks are five tools taped together. Ora is one operating system: surfaces, intelligence, and money movement all reading from a single ledger—so nothing is reconciled twice.
- 01
Surfaces you operate
The accounts, cards, and workflows your team works in every day.
BankingCardsBill PayInvoicesGlobal Payments - 02
Intelligence that decides
A layer that reads every signal, forecasts what's next, and recommends the move.
ForecastingAnomaly alertsRecommendationsTax readiness - 03
Money movement, governed
Every transfer carries its policy—approvals, limits, scheduling, and FX built in.
TransfersApprovalsSchedulingReal-time FX - 04
One unified ledger
Every transaction, entity, document, and policy in a single source of truth.
Live ledgerEntitiesAudit trail
Everything your finance team needs
Six integrated layers. One operating system. Everything you need to boost financial clarity and eliminate manual work.
Premium Cards & Spend
Smart limits, team-level policies, and rewards that reflect how your business actually operates.
Banking & Cash Management
Real-time balances across entities and accounts with treasury-grade controls and visibility.
Payments & Bill Pay
Invoice intake, approval workflows, scheduling, and global payouts — unified in one flow.
Intelligence Layer
AI that surfaces risks, forecasts runway, and delivers recommendations with explainable context.
Global Operations
Multi-currency accounts, international vendor payments, and cross-border visibility from day one.
Tax & Compliance
Proactive exposure alerts, reserve estimates, and period-close workflows built into every transaction.
Calm by design, powerful by default
Replacing five tools with one doesn't just save money—it gives every team a single, quiet place to see and move it.
Financial intelligence, built into every workflow
Ora reads the signals across your banking, spend, payroll, invoices, and tax workflows, then turns them into clear next steps.
Explore AI Finance CopilotAsk Ora
Not another banking app
Most platforms solve one problem well and leave you to stitch the rest together. Ora replaces the entire stack.
| Ora | Others | |
|---|---|---|
| Full financial operating systemBanking, cards, AP/AR, treasury, and analytics in a single platform — not stitched together from acquisitions. | All-in-one | Fragmented |
| Real-time cash visibilitySee balances, inflows, and outflows as they happen across every account and entity. No waiting until tomorrow. | Real-time | Delayed |
| AI woven through every workflowIntelligence that forecasts, recommends, and explains — not a chatbot bolted onto a dashboard. | Built in | Not available |
| Global payments and multi-currencyInternational vendor payments, multi-currency accounts, and real-time FX built in from day one — not added as an afterthought. | Native | Add-on |
| Built for operators, not just accountantsDesigned for the people who run the business — founders, ops leads, and finance teams alike. | Everyone | Finance only |
| Tax readiness and compliance built inProactive exposure alerts, jurisdiction tracking, and period-close workflows integrated into every transaction. | Proactive | Not available |
| Premium experience you trustA calm, focused interface with concierge support and a card you're proud to carry. Finance software shouldn't feel like a chore. | Premium | Basic |
Finance that feels different
Built with the same care as the financial brands you already trust.
A calm, focused interface
Designed for clarity and confidence. Every screen is intentional — so you spend less time navigating and more time deciding.
Automations that save hours
Reduce busywork with automated transfers, approval flows, and AI-powered transaction categorization.
Team management and controls
Curb team spend with card limits, spend controls, and granular user permissions — all in one place.
Concierge-level support
Chat support for all customers, plus dedicated account management for those who qualify. Real people, not ticket queues.
Built on trust
Security, compliance, and governance are not add-ons. They are the foundation every transaction is built on.
Works with the tools you already use
Connect your accounting, payroll, commerce, and payments stack. Ora syncs data in real time so nothing falls through the cracks.
View all integrations
One platform. Every financial surface.
Bring banking, spend, payments, tax, and global operations into one calm, intelligent operating system. Join the waitlist for early access.