Personal financial and life administration
Your financial and administrative life, handled.
xiii keeps rent, bills, car, pet, licences and renewals in order. It asks before anything unfamiliar, and shows you the verified result.
Proposed NSW household pilot · Australia first · not yet a live service
Today
Today, you are the system.
Your obligations live in inboxes, banking apps, notices, spreadsheets, calendars, advisers and memory. You find each task, work out what it depends on, dig out the records, fund it, do it — and remember to check it actually happened.
One system
One capable system. One relationship. One shared information model.
People, money, assets, records and obligations stay connected. When the car changes hands or the lease changes, xiii already knows what else that touches. Conversation is a way in — not a substitute for the system.
What it does
Six jobs. One standing instruction: keep this in order.
What is due, what it will cost, and what xiii still does not know.
Paperwork, money plan and next steps ready without you organising every detail.
Routine work carried out under your instructions, with the result shown.
When something changes, which related responsibilities need attention.
When a provider, payment or document fails, the issue stays visible until resolved.
An authorised person can pick up the administration if you cannot — without unrestricted access today.
Authority
You hold the authority. Three modes, separate permissions.
Default write authority is zero. Try the dial.
Watch · read, organise, notify
xiii reads what you have connected, organises it and tells you what is due. It cannot send, commit or pay anything.
Verified outcomes
Done means verified — never “everything is handled.”
An attempt, an acknowledgement or a reminder is not completion. A status summary keeps the four states apart:
- Three payments settled and reconciledVerified
- Vehicle renewal pack ready — inspection still to bookPrepared
- Two items need your approval — new payee on the electricity billApprove
- One institution requires you to sign in yourselfHand-off
What it will never do
Boundaries are the product.
- Bypass a login, or copy your credentials into a browser.
- Fabricate a signature, or accept legal terms silently.
- Impersonate you, or infer authority from household membership.
- Present unverified information as a settled obligation.
- Move money without a verified recipient and a fresh, bound approval.
- Promise an “undo” for a settled payment, a signed contract or a delivered notice.
Not a bank. Not an investment manager, lawyer or financial adviser. Does not custody your money.
Proposed pilot
Five places to look. One instruction to give.
A proposed NSW household pilot: renters and owners, single and shared households, a few documents to start — no bank connection required to see value. If that is you, tell us.
For partners and investors
One product, progressively enabled.
Release stages describe delivery maturity, not product brands. Money execution needs a contracted, legally reviewed payment route that has passed production validation — a payment link or a simulated receipt does not count.
Foundation and shadow operation. No real external writes.
Controlled household beta. Per-action approved execution.
Bounded routine handling under standing mandates.
Complex financial administration with professional routes.
Further jurisdictions, each separately approved.