Orla

What is Orla

Orla is a budgeting app that connects your bank, exchange, and wallet into one unified ledger. It turns all your financial activities—from salary and card payments to crypto trades and wallet transfers—into categorized transactions, giving you a single net worth figure, real budgets, and a tax-ready report. It supports fiat and crypto, with read-only connections for security.

How to use Orla

1. Connect your accounts: Link your bank via open banking (EU, UK, US), your exchange (Binance, Bybit, OKX, Kraken, Coinbase, Hyperliquid) using read-only API keys, and your wallet (BTC, EVM, TRON, Solana) by address or by importing keys that stay in your browser.
2. Let it sync: Transactions from all connected accounts automatically appear in your ledger, categorized and converted to your base currency.
3. Budget and track: Set category budgets, monitor spending against limits, and see your net worth update in real time.
4. Close the month: Review spending by category, check budget performance, and generate reports, including a FIFO capital-gains report for taxes.

Features of Orla

• Unified ledger: Banks, cards, cash, exchange balances, and self-custody wallets in one list.
• Crypto integration: Trades, transfers, and fees become categorized transactions; transfers between own wallets are matched by hash, not booked as sales.
• Read-only connections: Bank logins happen on the bank's page; exchange keys that can trade or withdraw are refused; wallet keys stay encrypted in your browser.
• Budgets with pace warnings: Bars move automatically as transactions arrive, with alerts when you're on track to exceed.
• Shared spaces: Family, travel friends, or co-livers can split expenses, settle up, and manage shared money.
• Invoicing and payouts: Create invoices, pay links, and payout batches with approvals.
• Automations and AI: Rules, bots in chat, and an AI Copilot (15 messages/month on free plan).
• Security and privacy: Passkeys, 2FA, device management, export/delete data anytime, and support staff cannot access your ledger.
• Tax-ready reports: Yearly FIFO capital-gains report, monthly reports, and exportable PDF/CSV.

Use Cases of Orla

• Freelancers paid in crypto: Get paid in USDT or euros, track both in one budget, and generate tax reports.
• Personal finance: Manage bank accounts, credit cards, and crypto wallets in one place.
• Families: Share a household budget, track kids' expenses, and plan for inheritance.
• Travel groups and co-livers: Split expenses, settle debts with fewest payments, and manage shared costs.
• Businesses and teams: Invoices, team payments, approvals, and expense claims.
• Creators: Pay links and public collection pages for audience support.
• AI agents: Give agents a card or wallet with hard limits; they pay, you sign.

Pricing

Orla offers a free plan that never expires and doesn't require a card. Paid plans raise limits:

• Free: $0/month – Manual accounts, statement imports, 1 card, 3 invoices/pay-links per month, group & shared spaces, AI Copilot (15 messages/month), 250 MB storage.
• Starter: $25/month – Everything in Free, plus 3 cards, 6 banks, 5 exchanges, 5 members per shared space, 15 invoices/pay-links per month.
• Pro: $59/month – Everything in Starter, plus 15 cards, 150 invoices/pay-links per month, custom invoice branding, 50 automation rules.
• Scale: $149/month – For larger teams (details not fully listed on the page).

Yearly billing saves 25%. Payment can be made by card or in stablecoins.