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007In development
RICE FINANCIAL logo

RICE FINANCIAL

I wanted one place to understand my entire financial life. So I started building it.

Banks know your bank accounts. Credit apps know your credit. Brokerages know your investments. Accounting software knows your businesses. RICE FINANCIAL is being built to understand all of it together.

Role
Founder
Since
2026
01

The problem

A real financial life does not live inside one app. It is split across bank accounts, credit cards, loans, investments, vehicles, businesses, bills and people. Each product sees one slice of the picture, while the relationships between those slices are left for the user to remember.

The more accounts, companies, assets and obligations someone has, the less useful a single-account view becomes.

02

The idea

RICE FINANCIAL is a financial operating system: one place to organize the pieces of a financial life and understand how they connect.

01

Accounts

02

Transactions

03

Assets

04

Liabilities

05

Businesses

06

People

07

Relationships

03

Built for real life

The system is being designed around the situations that make ordinary finance apps start to break down, especially when money crosses personal, business and shared relationships.

Personal and business accounts living side by side
Vehicles tied to loans, payments and ownership
Shared expenses and obligations between people
Irregular income across multiple sources
Transfers that should not be mistaken for spending
Assets and liabilities that belong to different entities
04

The product

The interface turns that model into something usable: dashboards, account views, transactions, entities, filters, search, cards and mobile views that can show the same financial life from different angles without duplicating the underlying data.

The goal is to make the system powerful without making every screen feel like accounting software.

05

How everything connects

The core idea becomes more useful when the relationships are visible. An account is not just an account. It may belong to a person or a company, fund an asset, service a liability or receive revenue from another system.

RICE MOTORS

RICE MOTORS
Vehicle
Loan
Bank account
Payment

PERSONAL INTEREST

PERSONAL INTEREST
Shopify
Revenue
Bank
Vendor expense
06

The bigger vision

The dashboard is only the beginning. The long-term idea is for RICE FINANCIAL to become the interface through which someone can manage more and more of their financial life instead of continuously adding disconnected financial apps.

Over time, that can extend beyond organization into deeper financial products and services, including banking, cards, credit and lending experiences built around the same connected financial model.

07

Building now

RICE FINANCIAL is being built now. The product, data model and interface are still evolving, and this page will evolve with them as new screens, systems and milestones become part of the record.

Next record

CLEARLINE CREDIT