Introducing Hal

We’re launching Hal, the first AI finance co-founder for small & medium businesses and early-stage startups.

Hal is an agentic artificial intelligence that co-founds, administrates, and grows your company with you. Hal has three key jobs. First, Hal administers your company financial data, ensuring your finances are up-to-date, reconciled, and adequately categorized. Second, Hal analyzes your company’s financial health, alerting you on top priority problems and opportunities that need your attention. Third, Hal helps you make difficult business decisions to help you achieve your goals as a business founder.

Our goal is to advance humanity by helping founders win and build companies that change the world.

If you want to build a hugely successful company, you need a finance co-founder.

Apple had Mike Markkula, the angel investor and co-founder who changed the original business idea to the personal computer for all homeowners, and 3 years and 11 months later Apple went public. Spotify had Martin Lorentzon, the investor and co-founder who narrowed down the idea to music streaming and saw the company potential to become the no. 1 global music platform. Disney had Roy O. Disney, the co-founder who managed the finances and secured the funding to achieve Walt’s crazy creative ideas.

Business miracles need a visionary co-founder (you!) and a finance co-founder (Hal). The greatest finance co-founders help you evaluate whether your business idea is actually good, and then helps you find the resources (money) and path to realize it.

The businesses of the future will be run by Artificial Intelligence (AI) co-founders.

Hal will help you 1) be more financially aware (know where every dollar goes), 2) be more capital efficient (make every dollar count), and 3) earn more profit as a founder. Hal is always monitoring your company finances, working and creating analysis and monthly reports. Hal will alert you on the current priority problems, and when you’re ready you’ll be able to sit with Hal to decide how to solve them.

Hal helps you 1) act on new opportunities (know which opportunities to pursue), 2) react to crises (be the first to know when a crisis happens), and 3) become the CEO your company needs. Trained on the finances of all, Hal is an expert at evaluating business ideas and can help you make better decisions. Hal lets you peek into the state of the global economy, spotting opportunities and risks for you ahead of other business founders who don’t use Hal.

So, what should you ask Hal to do?

• Evaluate my business idea
• Help me decide what to do with X
• Make my business achieve Y
• The options are infinite

Hal is for business founders. Hal focuses on solving the problems of business founders (not of accountants nor employees). Four years ago, I built my own finances app because the other softwares that were available had been built around the needs of accountants and bookkeepers, instead of the needs of business founders. They were focused on taxes instead of profit, and they were built for centralizing financial data but not on how to make decisions with that data. So, I built my own profit app focused on helping me make business decisions better and faster. Hal is an evolution of that, created to solve the most important problems of business founders worldwide.

For founder profit. Hal focuses on helping business founders earn more profit, and to achieve this we innovated the way companies do finances. First, Hal uses corporate finances, focusing on calculating cash flow and profitability (not on following tax regulations and calculating tax obligations). Second, Hal prioritizes cash-basis finances, logging transactions when cash was actually received to measure real present profitability and cash flow (not on supposed profitability in accrual-basis finances). Third, Hal looks at the full company finances, aggregating all money from all country offices to calculate comprehensive financial health of the business (instead of only aggregating national currency from a single country). Fourth, Hal follows a high-granularity principle, breaking down transactions by categories, business units, customers, etc. to offer rich information for decision-making (instead of only superficial financial labels). Fifth, Hal does finances in real-time to ensure business founders can make decisions now (instead of finances at the end of the month or right before tax deadlines). Sixth, Hal calculates founder profit, dividing it into founder salary and dividends (instead of only calculating company profit).

For world-changing companies. Hal is for high-value companies. Economic value of a company (real GDP output per company) is calculated as a function of capital (K*) over employed labor (N*) and technology (T)—f(K*/N*, T). Increasing the amount of capital or the amount of employed workers can increase the aggregate productive output of a company, but it suffers from the law of diminishing returns—adding more workers to a farm won’t yield more crop, capital and labor costs increase faster than revenue. Adding new technologies that make capital and labor more efficient increases output per labor resulting in more surplus—revenue stays the same but costs go down so you have more profit. All business founders need finance, but, while for low-value businesses finance is simply important (to ensure they are surviving and filing taxes correctly), for high-value businesses finance is essential for success as innovating on technology requires financing, which in turn requires professionalism and financial discipline. Hal is for company builders that aim to create world-changing companies.

Our plan is to create the economy of the future led by business founders.

First, we are building the Data and AI infrastructure to create the omniscient Hal. To help business founders win and build world-changing businesses, Hal aggregates the finances of all to allow it to make decisions based on real economic trends. As more businesses join, we all have more information about the macro economy, allowing business founders and Hal to make better business decisions, which makes Hal a better AI finance co-founder, further attracting more business founders. Once we’ve mapped enough finances of the macro economy, Hal will be able to direct business founders towards the creation of high-value businesses, giving rise to the economy of the future.

After that, our plan is to build the financial infrastructure to accelerate businesses to Hal’s speed. According to Jones (2006), economic growth is determined by its weakest link: it doesn’t matter how amazing a business strategy is, if you have no money or are missing a lot of technological automations that company will grow only as fast as its weakest business area. Thus, we intend to develop missing infrastructure required for businesses to accelerate and change the world faster such as dividends accounts as a financial service, equity and debt financing for high-risk ventures, and neobanking for private businesses.

In short, here is our plan to help founders win and build world-changing businesses:

1. Data: Develop our finances app tailored for founders’ requirements.
2. AI: Build Hal as the AI finance co-founder for businesses.
3. Financial services: Offer dividends savings accounts to incentivize profit mindset.
4. Investment: Invest in our companies to direct and change the world faster.
5. Neobanking: Create our neobank to direct and grow the global & space economy.

Hal says “Hello”.