# BUFI — financial workspaces for global teams > Markdown representation of https://www.bu.finance. Requested at /index.md or with `Accept: text/markdown` on /. BUFI organizes invoices, transfers, payroll, cards, approvals, and USDC-ready balances by the team, client, project, or entity they belong to. People approve every sensitive action; Bu, the BUFI assistant, prepares the work. BUFI is a financial operations layer, not a bank. ## What BUFI keeps together - **Workspaces**: Separate money by team, client, project, or entity. - **Controls**: Roles, review steps, and sensitive actions stay clear. - **Records**: Documents and activity stay with the operation they support. - **Global balances**: USDC-ready balances for eligible workspaces. ## Use cases that feel like magic Built for teams that need speed, clarity, and control in every workspace. ### Freelancers Get paid by clients anywhere: an invoice in their currency, settled in USDC or straight into your local account, with the exchange rate written on the receipt. One personal workspace holds every client, every invoice and every expense, so tax season is a filter, not a shoebox. Bu keeps track of what is due and what came in, in your language, and never moves a cent without you. ### Agencies One workspace per client: its invoices, its payouts, its cards and its people, with nothing mixed in from the next account. Approvals and roles follow the client, so a producer can pay a freelancer without seeing the agency’s treasury. Reporting rolls up by client and by month, in USDC and in local currency, ready for the next review. ### Studios Projects come and go; the workspace keeps the money story of each one, from the first quote to the last payroll run. Contractors in four countries get paid in the same batch, each in the rail they asked for. Cards per project keep software and production spend where it belongs. ### Global teams USDC in, local currency out: the team gets paid where it lives, the company keeps one ledger. Treasury stays under the owners’ quorum; the day-to-day runs on bounded agent and personal wallets. Bu, the assistant, answers in the team’s language and never moves money without a human. ### Import & export Invoice the buyer in their currency and collect in USDC or local money: one invoice per shipment, with the deposit and the balance as two due dates on the same document. Supplier and forwarder invoices land in the shipment’s workspace, get approved by the right person and are paid in USDC today or in local currency where the bill lives, with the FX written next to the payment. Customs, insurance and brokerage documents attach to the invoice they belong to, so the next audit is a search, not a hunt. ## Control included BUFI gives you calm, built-in control so your team can move fast without losing visibility. Each workspace has its own rules, so operations stay organized and every decision has context. - **Flexible by design**: One workspace per team, department, client, or project, with a parent workspace above them. Invite your accountant, lawyer, or team, and decide who sees what and who can move money. - **Permissions per workspace**: Decide who can view, create, edit, approve, or pay—so the right people have the right access, in the right workspace. - **Full activity log**: Every action is recorded with time and context, making it easy to understand what happened, who did it, and why. - **Simple approvals**: Set lightweight approval steps before money moves—perfect for teams that need speed, but also clear checks and accountability. ## BOO-App BUFI is also available on mobile — manage your finances anywhere, anytime. ## Simple plans that scale with your team ### Starter For small creative agencies and growing teams Monthly: $29 /month. Yearly: $290 /year. - 5 Team members - Unlimited invoices - 5 Bank connections - Pay up to 15 contractors - 250 AI credits every month ### Pro For teams operating across several workflows Monthly: $149 /month. Yearly: $1,490 /year. - 50 Team members - Unlimited invoices - Unlimited bank connections - Unlimited contractors - 950 AI credits every month ### Enterprise Custom solutions for large teams with advanced requirements Custom - Unlimited team members - Unlimited invoices - Unlimited bank connections - Unlimited contractors - AI credits included ## Frequently asked questions ### What is a BUFI workspace? A financial operating environment for a team, client, project, or business unit. It keeps money, roles, invoices, cards, transfers, and activity organized around the work they belong to. ### Who is BUFI designed for? Agencies, studios, distributed B2B teams, founders, finance operators, and treasury owners coordinating business money across people, projects, and financial tools. ### Can my team make global payments? BUFI supports cross-border operating workflows and USDC-ready balances for eligible workspaces. Availability, limits, supported rails, and onboarding requirements depend on the account and region. ### What is Ghost Mode? Ghost Mode is a private balance inside your BUFI wallet, built with Hinkal's shielded pools. Payments made from it don't leave a public trail of who you paid or how much: only zero-knowledge proofs reach the chain, never your data. Treasury money still needs your signers' approval to go private. Ghost Mode is in beta and opens to every workspace with its own announcement. ### How does BUFI protect business funds? BUFI is built around role-based controls, review steps, auditable actions, and security-first infrastructure. A walkthrough can map those controls to your team before launch. ### Can I use BUFI for payroll and invoices? Yes. Payroll, contractor payouts, invoice tracking, cards, transfers, and reporting share one operating context instead of living as disconnected tasks. ### Is BUFI a neobank? No. BUFI is a financial operations layer for organizing accounts, payments, documents, and team workflows. It helps existing financial tools work together instead of replacing everything at once. ### What happens during onboarding? We map your entities, workspaces, roles, approval paths, and current tools. Eligibility and verification requirements are confirmed before any supported financial workflow goes live. ## Blog - [A new home for BUFI](https://www.bu.finance/blog/a-new-home-for-bufi.md): A rebuilt website in twelve languages, live demos you can touch instead of screenshots, a note on how it was made, and this blog, where every feature gets its own announcement. - [The BUFI beta is live](https://www.bu.finance/blog/the-bufi-beta-is-live.md): Financial workspaces for global teams are open to everyone at app.bu.finance. Zero transaction fees for the whole public beta, plan limits as published, and a standing invitation to the people who want to shape what comes next. - [What is a financial workspace?](https://www.bu.finance/blog/what-is-a-financial-workspace.md): Why BUFI organizes invoices, payroll, transfers and cards around the team, client or project they belong to, instead of around the bank account they came from. - [Payroll, reviewed before it is paid](https://www.bu.finance/blog/payroll-reviewed-before-it-is-paid.md): How BUFI puts people, amounts, currencies and payout status in one view, so the person who approves a run can see exactly what they are approving. ## Links - Canonical page: https://www.bu.finance - llms.txt: https://www.bu.finance/llms.txt - Blog RSS: https://www.bu.finance/blog/rss.xml - Privacy: https://desk.bu.finance/faq/privacy - Terms: https://desk.bu.finance/faq/terms - Contact: hello@bu.finance