# Business data (/en/docs/memo/business)

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](/llms.mdx/docs/memo/usage/content.md#keep-track-of-money), and deals and leads on [Usage](/llms.mdx/docs/memo/usage/content.md#track-deals-and-leads).

Every list here narrows with words such as `status:active`, never with flags. Each command's options are in the
[command reference](/llms.mdx/docs/memo/commands/content.md).

## Amounts and currencies [#amounts-and-currencies]

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:

```sh
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.

## Products [#products]

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

```sh
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.

## Contracts [#contracts]

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

```sh
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`.

## Subscriptions [#subscriptions]

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.

```sh
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 transactions [#wallets-and-transactions]

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.

```sh
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 system [#bring-data-in-from-another-system]

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:

```sh
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:

```sh
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 again [#find-it-again]

`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:

```sh
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`](/llms.mdx/docs/memo/configuration/content.md#permissions) to `deny`, and `search all` leaves it out and says so.