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Holdings Review

Holdings is a financial technology platform that allows AI agents to handle invoicing directly by utilizing its API, enabling users to generate invoices based on natural language descriptions and manage payments.

shipped Aug 18, 2026voicefreemium
Domain rating32Monthly visits120K/mo
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Holdings — product screenshot

Why it matters

1Holdings offers unlimited invoicing for free, with no monthly subscription.
2The platform provides a developer API, with documentation available at https://mcp.holdings.io/v1/openapi.json.
3Payments collected through Holdings incur a usage fee of approximately 3% + $0.30 per card payment.
4An optional full double-entry accounting add-on is available for $25 per month.

About Holdings

Business Model
Usage-Based (Pay Per Use)
Usage Pricing
~3% + $0.30 per invoice
Headquarters
United States
Platforms
Web, API
Target Audience
Businesses needing automated invoicing solutions

Pricing Plans

Free Tier
Free
  • • Send invoices with approval
  • • Generate per-company API keys
  • • Integration with multiple AI clients
Accounting Add-on
$25/mo
  • • Full accounting services
  • • Invoice tracking
  • • Payment reconciliations

Cost Examples

  • • Processing a $1,000 invoice incurs a fee of ~$30.30
API Docs

Specs

API Docs

View Documentation →

API Available

Yes, public API

overview

What is Holdings?

Holdings is an AI-native financial platform developed by Holdings that enables businesses to manage invoicing, accounting, and banking through AI agents. It allows users to direct AI assistants to draft, send, chase, and reconcile invoices using natural language commands, integrating these actions directly into financial systems. The platform's core philosophy is that "AI isn't a feature; AI is the medium," meaning it is built for AI agents to operate the software directly, with human oversight. Holdings aims to connect invoicing, accounting, and banking into a single system, where a paid invoice is automatically recorded in the books and bank transactions are reconciled.

features

Key Features of Holdings

Holdings provides a suite of features designed for AI-driven financial management, focusing on automating invoicing and payment processes through natural language commands and API integration.

  • Draft invoices from natural-language descriptions using AI assistants.
  • Send invoices with integrated payment links for card or ACH transactions.
  • Track payment statuses and maintain a comprehensive payment history.
  • Generate API keys per company for secure and granular access.
  • Offer full double-entry accounting services as an optional add-on.
  • Create and send quotes/estimates, with the ability to convert them into invoices.
  • Automate recurring invoices and schedule AI-driven payment reminders.
  • Manage client information for billing purposes within the platform.
  • Provide connected business banking through i3 Bank (Member FDIC), with deposit coverage up to $3 million.

use cases

Who Should Use Holdings?

Holdings is designed for a diverse range of businesses and individuals seeking to automate their invoicing and financial operations through AI-driven tools, reducing manual effort and streamlining workflows.

  • Freelancers & Contractors: To automate invoice generation, sending, and payment collection for client projects.
  • Founders & Small Businesses: For managing invoicing, payments, and basic accounting without extensive manual input.
  • Agencies & E-commerce Businesses: To streamline billing processes, track payments, and manage client accounts efficiently.
  • Nonprofits: For handling donations, grants, and other incoming payments with automated tracking and reconciliation.

how to use

How to Use Holdings

Holdings leverages the Model Context Protocol (MCP) to allow AI assistants to directly interact with its financial platform. Users can initiate financial tasks through natural language commands within supported AI environments.

  • 1Access Holdings via its web interface or integrate with a compatible AI assistant (e.g., Claude Desktop, ChatGPT).
  • 2Instruct the AI assistant using natural language to draft a new invoice, specifying details like client, services, and amount.
  • 3Review the AI-generated invoice draft and approve it for sending.
  • 4The AI assistant sends the invoice with integrated payment links (card or ACH) to the client.
  • 5Monitor payment statuses through the platform, with the AI automatically reconciling paid invoices.
  • 6Utilize the API for programmatic invoice creation, management, and integration with other business systems.

pricing

Holdings Pricing & Plans

Holdings operates on a freemium and usage-based model, offering core invoicing functionalities without a monthly subscription fee, while generating revenue from payment processing and optional add-ons.

  • Free Tier: Unlimited invoicing with no monthly subscription fee. Includes business checking and basic financial management.
  • Usage Pricing: A fee of approximately 3% + $0.30 is applied per card payment collected through the platform. For example, processing a $1,000 invoice incurs a fee of approximately $30.30.
  • Accounting Add-on: Available for $25 per month, providing full double-entry accounting services. A 30-day free trial is included.

Pros

  • +AI-native design allows direct operation by AI agents using natural language commands.
  • +Offers unlimited invoicing for free, reducing operational costs for businesses.
  • +Integrates payment collection (card/ACH) directly into the invoicing process.
  • +Provides a comprehensive API for programmatic control and integration with other systems.
  • +Includes free business checking with FDIC coverage up to $3 million through i3 Bank.
  • +Automates recurring invoices and payment reminders, streamlining financial workflows.

Cons

  • −Usage-based fees (approx. 3% + $0.30 per card payment) apply to collected payments.
  • −Full double-entry accounting is an additional paid add-on ($25/month).
  • −Reliance on AI agents may require users to adapt to a new interaction paradigm.
  • −Specific individual user reviews are not extensively detailed in public information.
  • −The platform's 'AI-native' approach may have a learning curve for users accustomed to traditional UI/UX.

Similar Tools

Holdings vs Competitors

Holdings differentiates itself in the financial technology landscape by its 'AI-native' and 'agentic' design, focusing on direct AI operation of financial tasks, which contrasts with traditional software that primarily adds AI features.

1
Stripe BillingOn Stork

Offers a comprehensive API for subscription management, invoicing, and payment processing, widely adopted by developers for its flexibility and reliability.

You give up the direct natural language invoice generation and explicit AI agent features of Holdings, requiring more programmatic API calls for automation. However, it provides robust payment infrastructure and extensive billing capabilities.

2
Lago↗

An open-source, API-first platform specifically designed for usage-based billing and complex pricing models, offering granular control over metering and invoicing.

You give up the natural language invoice generation and general-purpose AI agents of Holdings, focusing instead on highly configurable usage-based billing via API. It requires more setup but offers deep customization for billing logic.

3
Crater↗

A self-hostable, open-source invoicing and client management solution that includes a REST API for programmatic invoice creation and management.

You give up the AI-driven natural language invoice generation and seamless payment management of Holdings, requiring manual input or custom API integration for automation. It offers a free, self-hosted option with core invoicing features.

4
Akaunting↗

Provides open-source, web-based accounting software with invoicing, expenses, and a developer API, allowing for integration and automation of financial tasks.

You give up the AI-driven natural language invoice generation and dedicated AI agents of Holdings, relying on its API for programmatic invoice creation and management. It offers a broader accounting suite alongside invoicing.

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