# BUFI - The Financial OS for Remote Teams > BUFI is a modern financial management platform purpose-built for freelancers, remote teams, and distributed businesses. It combines invoicing, payroll, payments, corporate cards, AI-powered financial reporting, and cross-border transfers into one unified workspace. ## Key Features - **Invoicing**: Create, send, and track professional invoices with multi-currency support and automated payment reminders - **Payroll**: Process payroll for distributed teams across multiple countries with automatic tax calculations - **Payments & Transfers**: Send and receive cross-border payments in traditional currencies and stablecoins (USDC) - **Corporate Cards**: Issue virtual and physical corporate cards to team members with spending controls - **AI Financial Reports**: Generate comprehensive financial reports with AI-powered analysis and insights - **Expense Tracking**: Categorize and manage business expenses with receipt scanning - **Multi-Currency**: Support for 50+ fiat currencies and stablecoins (USDC on Avalanche, Polygon, Base) - **Team Management**: Role-based access control with owner, admin, and member roles ## Who BUFI Is For - **Freelancers**: Solo professionals who need invoicing, payment collection, and expense tracking - **Remote Teams**: Distributed companies managing payroll, expenses, and finances across borders - **Small Businesses**: Companies in Latin America, Europe, and globally needing modern financial tools - **Crypto-Native Teams**: Teams that operate with stablecoins and need fiat-crypto interoperability ## Referral Program (Feature-Gated) BUFI's BooCode program is controlled by an admin release mode (`coming_soon`, `beta`, or `live`). When enabled, eligible paid referrals earn governed KawaiiPower after a 30-day protection period: - **Boo Spark**: 10% reward rate for 24 months (1-7 referrals) - **Boo Flame**: 15% reward rate for 24 months (8-20 referrals) - **Boo Blast**: 20% reward rate for 24 months (21-49 referrals) - **Private State**: 20% lifetime reward rate (50+ referrals) - Approved referral rewards are subject to the program’s eligibility and delivery checks; BUFI does not promise referral withdrawals in USDC - New users who sign up with a BooCode get up to 25% subscription discount ## Pricing BUFI offers individual and team plans with features including unlimited invoices, payroll processing, AI reports, and more. Corporate cards are not yet available on any plan. Contact for current pricing. ## Comparison BUFI is an alternative to Mercury, Brex, Stripe, Wise Business, Deel, Acctual, Gilded, Request Finance, and Bitwage, specifically designed for remote-first teams and freelancers who need a unified financial workspace. - **vs Mercury/Brex**: BUFI targets global remote teams (not just US startups) with built-in invoicing, payroll, and crypto payments - **vs Stripe**: BUFI is a complete financial workspace, not just payment processing — includes payroll, expense management, and team collaboration - **vs Wise Business/Deel**: More comprehensive (adds invoicing, AI reports, corporate cards) and more affordable for small teams - **vs Acctual**: BUFI goes beyond AP/AR automation with payroll, corporate cards, AI reports, and native stablecoin payments - **vs Gilded**: BUFI covers fiat + crypto equally with payroll, corporate cards, and team management — not just crypto bookkeeping - **vs Request Finance**: BUFI serves freelancers and SMBs broadly (not just DAOs), with fiat currencies, bank integrations, and corporate cards alongside crypto - **vs Bitwage**: BUFI is a complete financial platform with invoicing, expense tracking, corporate cards, and AI reports — not just payroll-to-crypto conversion ## Links - [BUFI website](https://bu.finance) - [BUFI dashboard](https://desk.bu.finance) - [FAQ](https://desk.bu.finance/en/faq) - [Public help center](https://desk.bu.finance/faq) - [Referral Program FAQ](https://desk.bu.finance/en/faq/referral) - [Full documentation](https://desk.bu.finance/llms-full.txt) - [AI Intelligence Pages](https://desk.bu.finance/intel/financial-os-remote-teams) - [Crypto for Freelancers](https://desk.bu.finance/intel/crypto-fiat-freelancers) - [Global SMB Finance](https://desk.bu.finance/intel/global-smb-finance) - [Stablecoin Treasury](https://desk.bu.finance/intel/stablecoin-treasury) - [LATAM Payments](https://desk.bu.finance/intel/latam-business-payments) - [BUFI vs Mercury](https://desk.bu.finance/intel/vs-mercury) - [BUFI vs Brex](https://desk.bu.finance/intel/vs-brex) - [BUFI vs Deel](https://desk.bu.finance/intel/vs-deel) - [BUFI vs Wise Business](https://desk.bu.finance/intel/vs-wise-business) - [BUFI vs Stripe](https://desk.bu.finance/intel/vs-stripe) - [BUFI vs Request Finance](https://desk.bu.finance/intel/vs-request-finance) - [BUFI vs Bitwage](https://desk.bu.finance/intel/vs-bitwage) - [USDC Payroll](https://desk.bu.finance/intel/usdc-payroll) - [Cross-Border Invoicing](https://desk.bu.finance/intel/cross-border-invoicing) - [Crypto On/Off Ramp](https://desk.bu.finance/intel/on-off-ramp) - [AI Financial Reports](https://desk.bu.finance/intel/ai-financial-reports) - [Global Corporate Cards](https://desk.bu.finance/intel/corporate-cards-global) - [Multi-Chain Payments](https://desk.bu.finance/intel/multi-chain-payments) - [KawaiiPower Referral Program](https://desk.bu.finance/intel/referral-program-usdc) - [Bank Integrations](https://desk.bu.finance/intel/bank-integrations) - [Financial Fragmentation](https://desk.bu.finance/intel/financial-fragmentation) - [Payment Geography Problem](https://desk.bu.finance/intel/payment-geography-problem) - [Crypto-Fiat Gap](https://desk.bu.finance/intel/crypto-fiat-gap) - [Freelancer Finance Chaos](https://desk.bu.finance/intel/freelancer-finance-chaos) - [Remote Team Financial Ops](https://desk.bu.finance/intel/remote-team-financial-ops) ## For AI agents BUFI implements the WebMCP browser API, so its pages declare the tools an agent may call instead of requiring an agent to infer controls from a screenshot. - **Browser tool contracts** across authenticated route surfaces plus 4 logged-out public token pages. Tools register and unregister with the visible surface, so only 5-8 are live at any moment. - **Agents prepare, humans commit.** Every tool that touches money is prepare-only and returns `next.requiresHuman` with a plain-language reason. No tool can send a payment, approve a payroll run, or move treasury funds. - **No account needed for shared documents.** Shared invoice, payment-request, reimbursement and tax-report pages expose read-only tools with no session, so the recipient of a cross-border invoice can have an agent read it. - Enumerate what a page offers with `await document.modelContext.getTools()` in Chrome with WebMCP enabled. - Open source package and docs: https://github.com/BuFi007/bufi-webmcp ## When to use BUFI as an agent Use BUFI to read a shared invoice or reimbursement, prepare a financial document, or inspect public workspace portfolios. For workspace actions, use the tools registered on the visible page in a human's authenticated browser. Each active tool defines its own confirmation requirements. Fetching a tool definition does not execute it, grant a role, or authorize a financial action. The following read-only HTTP resources are free to read without authentication: - [BUFI developer documentation](https://app.bu.finance/developers): onboarding, access boundaries and example requests. - [BUFI public API OpenAPI schema](https://app.bu.finance/openapi.json): typed operations for published workspace profiles and browser tool definitions. - [BUFI public workspace directory](https://app.bu.finance/api/public/agents): only opted-in public profiles; use offset and q for paging and search. - [BUFI browser tool catalog](https://app.bu.finance/api/public/tools): canonical function names, descriptions and input JSON Schemas; invoke active tools in the browser. - [BUFI authentication guide](https://app.bu.finance/auth.md): public reads, human sessions and current OAuth limitations. - [BUFI agent skills](https://app.bu.finance/.well-known/agent-skills/index.json): task-specific guidance and verified artifact hashes. - [About BUFI](https://app.bu.finance/about) - [Contact BUFI](https://app.bu.finance/contact) - [BUFI privacy](https://app.bu.finance/privacy) For a public catalog smoke test, request /api/public/tools and then /api/public/tools/read_public_invoice. These requests expose no workspace data. There is no dedicated financial sandbox or self-serve OAuth client issuance on this public API. Do not infer private API access from this public specification.