Business data

Memo keeps the money side of a small business beside your messages and notes: what you sell or buy, the contracts and subscriptions behind it, your bank accounts and what moved through them. Invoices, payments and orders are on Usage, and deals and leads on Usage.

Every list here narrows with words such as status:active, never with flags. Each command's options are in the command reference.

Amounts and currenciesCopy Anchor Link

An amount is a decimal with at most as many decimals as its currency has: 50000.00 RUB, 1200 JPY (none), 1.250 BHD (three). Memo keeps it as a whole number of the currency's smallest unit, so nothing is lost to rounding, and it refuses an amount with more decimals or a currency it does not know. It never converts one currency to another: every total is per currency.

What an invoice was paid is net: its confirmed payments minus their confirmed refunds. A refund is a payment the other way, and never more than the payment it gives back for:

memo payments add 5000.00 RUB --kind out --organization organization:3 --refund-of payment:9
memo invoices show invoice:4

An invoice refunded in full is issued again, and still owed, until you void it.

ProductsCopy Anchor Link

A product is a good or a service you sell or buy, with its price. Anyone writes one at once, with no review.

memo products add 'Bike rental, month' 10000.00 RUB --kind service --unit month
memo products list kind:service
memo orders lines add order:3 12 --product product:4

A line made from a product copies its name and price, so a later price change leaves the line as it was.

ContractsCopy Anchor Link

A contract keeps its dates, whether it renews, and the days of notice it needs. contracts show gives the last day to give notice.

memo contracts add 'Rental agreement' --kind service --start-date 2026-11-01 --end-date 2027-10-31 --auto-renew on --notice-days 30 --amount 120000.00 --currency RUB
memo contracts list expires:2026-12-31

One your agent adds with an amount waits for you in memo review list kind:contract.

SubscriptionsCopy Anchor Link

A subscription is something you bill or pay again and again: who supplies it, who pays, how often and every price it had. A new price is a row of its own from the day it starts, never an edit of the old one.

memo subscriptions add Hosting 990.00 RUB --kind payable --supplier organization:3 --period 1-month --start-date 2026-11-01
memo subscriptions prices add subscription:5 1190.00 RUB --start-date 2027-01-01
memo subscriptions show subscription:5

Your agent's subscriptions and prices wait for you in memo review.

Wallets and transactionsCopy Anchor Link

A wallet is a bank account, a card or cash, in one currency. A transaction is what the bank says moved; a payment is what it settles. They meet only when you link them.

memo wallets add 'Main card' RUB --kind card --institution 'Bank One'
memo wallets update wallet:2 --opening-balance 15000.00 --opening-date 2026-01-01
memo transactions add wallet:2 500.00 --kind out --occurred-time 2026-11-14 --description 'Coffee shop'
memo transactions update transaction:12 --payment payment:9
memo transactions splits add transaction:12 300.00 Rent --project HRB
memo wallets show wallet:2

wallets show adds up the opening balance and the confirmed, booked transactions. What is pending or proposed is shown beside the balance, never in it. Only you set the opening balance: over MCP, wallets update is refused unless you allow it.

Bring data in from another systemCopy Anchor Link

A CRM, an accounting program or a bank export comes in as a records file (JSON, or JSONL with a header line). Check it first, then import it:

memo records check erp.jsonl --account example-erp:demo
memo records import erp.jsonl --account example-erp:demo
memo review list kind:invoice,payment,order,contract

The same file twice changes nothing. The people and organizations it names are matched by one exact e-mail, phone or other identifier, or made; never by name. Its invoices, payments, orders, contracts with an amount, subscriptions and transactions wait for you in memo review.

To see where an entry came from, open it. memo show and each entry's show list its sources: the records of the file it was made from, and the records that name it, such as a quote made for a deal:

memo show contract:1 deal:1
memo deals show deal:1 --json
memo records show custom:quote:Q-7 --account example-erp:demo

Find it againCopy Anchor Link

memo search all finds invoices, payments, orders, contracts, subscriptions, products and wallets by the words of their numbers and names, beside your messages, mail and notes. --only business searches them alone:

memo search all 'Rental agreement' --only business

Bank transactions are not searched: there are too many. memo transactions list narrows them by wallet, status, category or project. A search word with an operator, such as budg*, leaves business data out and says why.

Over MCP, an agent's search reads business data unless you deny it: set the business.list key in permissions to deny, and search all leaves it out and says so.