Accounts in every currency
Track cash, bank, card, and wallet balances in native currencies without flattening real-world money movement.
Multi-currency finance, built for real account movement
Velo brings budgets, cash flow, transfers, and debt into one clean workspace.
Plan personal or business finances with account-level balances, categorized transactions, cross-currency transfers, loan repayments, and reports that reconcile back to the ledger.
Finance overview
Unified ledger
Accounts
Cash flow
Debt
Monthly movement
Live summary
Money paths
Income
Expenses
Transfers
Repayments
Core finance workspace
Designed around the way money actually moves.
Transaction control
Record income, expenses, categories, dates, notes, and account impact with tenant-safe validation on every write.
Transfers with fees
Move funds between accounts, capture transfer fees, and handle cross-currency rates through one reconciled workflow.
Loan lifecycle tracking
Manage principal, interest, payoff targets, repayments, remaining balance, and repayment history beside cash flow.
Operating flow
From account setup to reconciled reports.
Velo keeps budgets connected to balances, transactions, transfers, loans, and reporting, so every decision starts from the same financial record.
- 1Create accounts by currency and purpose
- 2Log income and expenses against the correct account
- 3Transfer funds with fee and exchange-rate audit trail
- 4Repay loans from any active account
- 5Review reports for net flow, categories, debt, and balances
Commercial readiness
Built for private financial workspaces.
Tenant isolation across protected routes, actions, and API handlers
Validated financial inputs before persistence
MongoDB transaction support for complex money movement
Audit logs for sensitive financial and admin operations
Ready for the next financial cycle