What exists.
What comes next.

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.

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.

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.

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.

Shared household, team and business financial conversations.

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

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

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

Design durable storage and retention policies for important financial records.

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