What exists.
What comes next.

Authenticated private file storage backed by Cloudflare R2, with upload, open, download and delete controls.

Classify records as physical, digital or both and identify receipts, invoices, statements, contracts, leases, financing agreements, tax files and other document types.

Track every known copy or original across RICE FINANCIAL, iCloud Drive, Google Drive, Dropbox, OneDrive, local storage, vendor portals and physical storage locations.

Store structured terms such as duration, APR/rate, payment amount and frequency, grace periods, late-payment terms and agreement dates alongside the source document.

Store financing agreements, contracts, leases, rental agreements, statements, PDFs and other supporting financial records in the same private document system.

Ask RICE AI questions such as what happens after a missed payment, whether a grace period exists, or what a contract requires, grounded in the user's uploaded source documents.

Answers should cite the underlying agreement and clearly distinguish extracted contract terms from general guidance.

Allow explicitly authorized collaborators and Space members to open a shared R2 document without exposing storage credentials or granting ownership rights.

Upload and delete remain owner-controlled while reads are authorized server-side against the document's sharing context.

Branded server-side transactional email for profile invitations and notification delivery, with a Cloudflare-scheduled queue and per-category email preferences.

Custom Neon Auth OTP and magic-link email handling is implemented in the app; the corresponding Managed Neon Auth control-plane switches must be enabled before those auth emails route through Resend.

In-app and optional email notifications for messages, financial sharing, record assignments, connection activity and bug-status updates, with direct paths back into the relevant workflow.

Simple in-product bug reporting with owner triage, status tracking and optional update preferences by app, email or SMS.

In-app and email status-update infrastructure is implemented. SMS preference is stored now; SMS delivery requires a future SMS provider.

Household, Business, Project and Custom spaces with member roles and permission-aware access.

Explicitly add accounts, transactions, bills, documents and payment requests to a Space instead of granting members blanket access to a user's finances.

Private named group chats for multiple RICE users with member-isolated access enforced at the database layer.

Send transactions, bills and payment requests in direct or group chat as controlled snapshots without automatically granting access to the underlying ledger.

Explicit opt-in public snapshots for selected high-level metrics through a narrow public projection without exposing underlying accounts or transactions.

Allow a specifically authorized collaborator to have assignments accepted automatically when the user explicitly enables that permission.

Core financial records use AFTER-triggered activity history with direct authenticated writes to the audit log revoked, replacing the earlier rewrite-rule implementation.

First-party email verification, forgot-password and reset-password screens are implemented against Managed Neon Auth.

Passwordless sign-in UI and custom Resend delivery endpoint are implemented; activation depends on enabling the Managed Neon Auth Magic Link plugin and webhook events.

Bank accounts, payment apps, cards, credit, debts and other financial resources in one system.

Structured transaction capture with editable metadata, balance effects and related-account context.

Reusable categories and subcategories with user-created custom values.

Separate payment source from method such as Apple Pay, chip, swipe, NFC or manual entry.

Represent people, households and businesses independently from login accounts.

Separate Personal, business and venture activity without forcing accounting terminology.

Switch between dense table management and a visual card-based account view.

Enable, disable and measure product modules without deleting underlying data.

More flexible views, trends, comparisons and custom financial intelligence built from the same underlying data.

Independent RICE FINANCIAL accounts with isolated private workspaces.

Connect a real user to a profile that already represents them without rewriting history.

Invite a person already represented in your finances and preserve prior records for review.

Explicit accept / decline flow for shared access and assigned financial records.

Share overview metrics or records by profile and scope, independently from social connections.

Permission models for partners, employees, assistants, accountants and other trusted users.

Basic social identity and relationship foundation without automatically exposing financial data.

User-to-user messaging foundation inside RICE FINANCIAL.

Represent multiple people and roles around the same financial resource.

Preserve who created, edited, assigned, accepted, declined, shared or revoked financial information.

Let users automatically accept selected record types from specific trusted relationships.

Send transactions, bills, reimbursements, payment requests and account summaries inside conversations.

Shared household, team and business financial conversations.

Opt-in metrics such as progress, utilization, goals or ranges without exposing private records.

Ask natural-language questions about your own financial system and receive context-aware answers.

Suggest merchant, purpose, category, subcategory, scope, owner and related records from context.

Surface anomalies, upcoming pressure, cash-flow risks, duplicate charges, opportunities and important changes before the user asks.

Prepare or execute financial-system actions only with explicit user authorization and clear review.

Extract structured financial data from receipts, invoices, statements, notices and other documents.

Understand recurring relationships, preferences, obligations and user-defined financial rules over time.

Scan receipts directly in RICE FINANCIAL and attach them to financial records.

Extract merchant, date, subtotal, tax, tip, total, line items and payment context automatically.

Turn invoices, bills, expense documents and PDFs into structured records.

Capture financial documents, IDs, notices and paperwork without relying on another scanning app.

Optionally detect statements, receipts and financial notices from connected sources.

Automatically classify or route known recurring financial activity according to user-defined rules.

A completely simpler, guided interface for everyday users while preserving the current advanced workspace for power users.

Adaptive onboarding, stronger automation and fewer manual decisions for common financial workflows.

More conversational, personalized and assistive interactions designed for mass-market adoption.

Continued simplification and localization toward broad global mainstream adoption.

Allow users to move between SSI and the full power-user workspace without fragmenting their data.

Securely connect checking and savings accounts for balances and transaction sync.

Sync balances, limits, statements and transactions from supported issuers.

Import balances, payment schedules and loan details where providers support it.

Sync holdings, activity, cash and performance from supported institutions.

Sync supported wallets, payment apps and stored-value services.

Live connections should remain optional; users retain the ability to operate entirely manually.

Users explicitly choose whether eligible anonymized / permissioned data can be used commercially.

Share qualifying advertiser or data revenue with participating users rather than treating user data as free inventory.

Clear controls for what is shared, with whom, for what purpose and how consent can be revoked.

Show earnings attributable to opted-in data participation and eligible platform programs.

Explore technical approaches that minimize exposure of identifiable raw financial records.

Native checking product through appropriate regulated banking infrastructure and partners.

Integrated savings balances, goals and automated allocation.

Physical and virtual debit cards tied directly into the RICE financial system.

Native revolving credit products with integrated underwriting, controls and rewards.

Reloadable prepaid and gift products managed inside RICE FINANCIAL.

Create controllable virtual cards for subscriptions, vendors, employees, projects and privacy.

Send and receive money between RICE FINANCIAL users.

Pay tracked obligations directly from the platform.

Earn rewards for eligible RICE FINANCIAL card, banking, merchant and platform activity.

Monitor credit-file changes and surface meaningful alerts inside RICE FINANCIAL.

Pull and organize consumer credit reports from all major bureaus through eligible data providers.

Display eligible three-bureau scores with clear score-model attribution.

Offer broader FICO score access where licensing and partnerships permit.

Utilization, debt strategy, report review, alerts and other credit-management workflows.

Integrated loan marketplace and/or RICE-originated lending through regulated partners.

Auto financing and refinance experiences informed by the user's broader financial position.

Mortgage and refinance products integrated into the broader financial system.

Working capital, business loans and commercial financing for eligible businesses.

Buy-now-pay-later products integrated with spending, obligations and repayment visibility.

Home, auto, renters, business, umbrella and other insurance through licensed partners or future regulated operations.

Track holdings, contributions, performance, income and allocation alongside the rest of the user's finances.

Native securities investing through licensed brokerage infrastructure and partners.

Automated recurring investment rules based on user-defined goals and available cash.

Automatically move or earmark money toward goals, reserves and sinking funds.

Encrypted digital-asset wallet with careful security and recovery design.

Explore user-controlled and server/partner-managed custody options with explicit tradeoffs.

Buy, sell and exchange supported assets through compliant infrastructure.

Create, send, track and reconcile invoices directly against customers and transactions.

Create estimates and convert accepted work into invoices and financial records.

Share payment-request links and connect incoming payments to the financial workflow.

Accept card and other payments for individuals and businesses through integrated processing.

Connect counterparties to invoices, expenses, payments, documents and communications.

Potential future payroll, contractor-payment and compensation workflows built from business financial context.

Activate more formal bookkeeping workflows without forcing accounting complexity on ordinary users.

Permissioned professional access using the delegated-access foundation already in the platform.

Organize and export relevant records, documents and classifications for tax preparation.

Explore filing and tax workflows using the financial system as the source data rather than rebuilding records at tax time.

Connect RICE data to external accounting ecosystems when a user or accountant still needs them.

Track charitable giving, receipts and tax-relevant documentation.

Donate to eligible partner charities and automatically preserve donation records for later tax use.

Store receipts, invoices, statements, contracts, notices, PDFs and other financial documents.

Attach supporting files directly to transactions, accounts, debts, bills, taxes and other records.

Design durable storage and retention policies for important financial records.

Find financial records by document text, metadata, merchant, entity, date or related financial object.

Unified alerts and decisions for sharing, assignments, bills, financial changes, messages and automation.

Permissioned developer access to selected financial objects and workflows.

Connect external financial, commerce, productivity and business systems.

Multi-currency, localization and region-specific financial experiences for global adoption.

The roadmap is intentionally open-ended; new modules and financial products can join the same underlying system over time.

Optional pseudonymous accounts with no required name, email or phone attached to the financial workspace, limited to features that do not require identity verification.

Anonymous accounts would not be eligible for banking, lending, brokerage, insurance, payments or other services that require KYC / AML or regulated identity checks.

Design client-controlled encryption so sensitive financial records can be unreadable to RICE FINANCIAL infrastructure by default.

True E2EE must be designed alongside recovery, sharing, search, RICE AI and opt-in data monetization. Server-side intelligence cannot inspect ciphertext unless the user explicitly authorizes a decrypting workflow.

Secure vault for passwords, passkeys, 2FA secrets and recovery credentials integrated with the user's broader financial operating system.

This requires a dedicated zero-knowledge security model, independent security review and recovery architecture before release.

Encrypted storage for account and routing numbers, card credentials, identity documents, SSN, DOB and other highly sensitive financial identity data, with passkey and 2FA support.

Access should be compartmentalized from ordinary financial records and protected by stronger authentication and explicit reveal controls.

Dedicated organization workspaces with separate team logins, role-based permissions and independently controlled business financial data.

Granular roles for owners, finance teams, operators, accountants, employees and external collaborators across accounts, scopes, records and actions.

Allow an organization to claim historical business profiles, accounts, scopes and transactions previously created by an authorized user, preserving provenance and approval history.

Evaluate HIPAA administrative, technical and contractual controls if RICE FINANCIAL introduces workflows that store or process protected health information for covered entities or business associates.

HIPAA is not a generic badge for financial software; applicability depends on the product handling PHI in covered healthcare relationships.

Structure eligible RICE FINANCIAL checking and savings balances through regulated bank partners so qualifying deposits can receive pass-through FDIC insurance subject to program rules and limits.

RICE FINANCIAL itself would not become FDIC-insured merely by offering an app; insurance attaches to eligible deposits held at an FDIC-insured partner bank or future regulated banking entity.

Mask or hide selected transactions, accounts, subscriptions, documents and other records without deleting them.

Create reusable privacy rules that automatically anonymize matching records, merchants, categories, scopes or entire sections.

Protect private spending such as adult-content subscriptions, gifts, proposal-related purchases, medical expenses, trade-secret costs or confidential business activity.

Share useful totals or summaries while automatically withholding sensitive line items and identifying details.

E2E encryption for direct and group conversations so message content is not readable by RICE FINANCIAL servers.

Protect documents, receipts, financial records and other attachments sent in chat with compatible end-to-end encryption.

Design device verification, key rotation, recovery and multi-device access without weakening the encryption model.

Create fully structured wishlists with item name, cost, discounts, URL, merchant, brand, date, status, category, priority, notes and custom fields.

Share a wishlist with selected users, friends, family, households, teams or the public.

Allow a trusted user to mark, reserve or purchase wishlist items for another person without spoiling the gift where privacy is desired.

Track planned, reserved, purchased, received, returned or cancelled items and connect completed purchases back to transactions.

Support custom columns, filters, priorities, tags, budgets and layouts for different wishlist use cases.

Offer paid storage tiers for users and businesses that need more space for receipts, statements, contracts, media, identity documents and financial archives.

Show storage consumption, retention policy, archive status and user-controlled deletion/export options.

A persistent assistant that understands the user's financial system, goals, projects, preferences and approved external context.

Coordinate specialized agents for finance, operations, research, planning, business administration and other user-authorized tasks.

Let the assistant act across connected services only within explicit scopes, approvals and auditable permissions.

A fully functional, fast and polished iPhone/iPad application with native authentication, notifications, scanning and secure local storage.

A fully functional, fast and polished Android application with feature parity and platform-native integrations.

Desktop application for macOS with secure local capabilities, keyboard-first workflows and deep system integration.

Desktop application for Windows with the same full financial workspace and secure local capabilities.

Desktop application for Linux distributions, with packaging and update strategy designed for supported environments.

Explore other native or embedded clients where they improve access without fragmenting the core product.

Generate and manage supported wallet addresses for receiving digital assets.

Receive supported assets into self-custodied or managed wallet structures and reflect them in the financial system.

Securely hold supported assets with explicit custody, recovery and key-management models.

Send supported assets with confirmation, fee visibility, address validation and transaction history.

Save verified external wallet addresses and counterparties with labels, networks and trust indicators.