MVP — The Core Experience
Simple, intuitive, and immediately valuable. The MVP solves one problem better than anything else: manage and pay all your bills — domestic and international — in one place. Everything else builds on this foundation.
Bill Registry
Register all bills in one place — own and family. Auto-detect from bank history.
Pay for Kin
Pay bills on behalf of family abroad. Sender gets confirmation, recipient doesn't touch cash.
Cross-Border FX
Transparent live rates. CA→JM, CA→MX, CA→US. Local currency shown at all times.
Bill Wheel
Visual progress wheel showing all bill categories. Colourises as you link bills — makes onboarding feel like a game. 🔥 at high spend months.
Calendar & Alerts
Visual payment calendar. Due/overdue/paid indicators. Push notifications.
Multiple Payment Methods
Interac, EFT, debit, credit. Zelle for US corridor. Installments roadmap.
B2B2C Bank Embed
White-label API for banks. TD Bank named partner. Zero consumer CAC.
Phase 1
Q2–Q3 2026 · US↔Mexico · Canada↔India corridors
Consumer
Subscription Manager
Auto-detect recurring charges from card history. Pause, resume, cancel subscriptions. Powered by Mastercard Subscription Controls and Ethoca Consumer Clarity receipts. Unrecognized charge flagging and dispute initiation.
Biller
Request to Pay / Push Billing
Billers proactively push bills to registered customers rather than waiting for payment. Reduces late payments, collection costs, and call centre volume. Biller sends — consumer approves and pays in one tap.
Biller
Bill Presentment & eBill
Electronic bill delivery for supported MBPE billers. Actual bill amount pulled automatically — no manual entry. Billers move customers off paper. Grows as more billers enable eBill on the Mastercard network.
Consumer
Payment Wallet
Pre-fund a Billo wallet via VoPay EFT or Interac. Pay multiple bills without per-payment bank pulls. Enables faster cross-border settlement and lays the foundation for stablecoin rails in Phase 2.
Corridor
US ↔ Mexico — The $60B Corridor
The largest remittance corridor in the Western Hemisphere at $60B+ annually — and nobody owns the bill-outcome layer. Billo pays Mexican billers directly from US bank accounts via tapi's Arcus network and SPEI real-time settlement. CFE, TELMEX, IZZI, Totalplay — 16,000+ billers connected. Powered by the same Mastercard infrastructure already in our stack.
Corridor
India Corridor — BBPS
1.8M Indian-Canadians plus one of the largest US-India diaspora populations in the world — and India has government-built bill payment infrastructure ready to connect. BBPS (Bharat Bill Payment System) is NPCI's national platform: 550+ live billers, 22 categories, instant confirmation, cross-border access explicitly enabled. Electricity, water, gas, telecom, insurance, loan EMIs — all reachable via a single API integration.
The AI Layer
Four tiers of AI capability that build on each other. Detection feeds anomaly alerts. Natural language makes it accessible to everyone. Agentic auto-pay is the north star — a fully autonomous bill manager that works for you.
Smart Bill Detection
MVP
Scan bank transaction history to automatically identify and register bills. No manual entry. Detects biller name, amount patterns, and due date cycles from transaction data.
Looks like you pay Rogers $38 every month — want to add it?
I found 3 subscriptions you haven't registered yet
Anomaly Alerts
MVP
Flag unusual bill amounts, unexpected new charges, and spending spikes. Compare current bills against 90-day baselines. Alert on FX rate movements affecting cross-border bills.
Your Hydro One bill is 43% higher than last month
CAD/JMD rate dropped 2% — your mom's bill just got cheaper
Natural Language Search
Phase 1
Query your entire bill history in plain language. Ask anything about your payments, spending patterns, or upcoming obligations. No filters, no menus — just ask.
What did I pay Rogers this year?
Show me everything due before March 15
How much have I spent on my mom's bills?
Agentic Auto-Pay
Phase 2
Set approval thresholds and let Billo manage your bills autonomously. The agent monitors, validates, flags anomalies, and pays — surfacing only exceptions that need your attention. The "set it and forget it" for your entire obligations layer.
Pay everything under $200 automatically, ask me for the rest
I paid 8 bills this month without you doing anything
Why Billers Join the Network
The biller value proposition — beyond just accepting payments
Multiple Payment Methods
Accept Interac, EFT, credit, debit, and stablecoin — without building each integration. One API connection unlocks all rails.
Request to Pay
Proactively push bills to customers. Reduces late payments, NSFs, and collection overhead. Customers pay in one tap.
Diaspora Receivables
Collect from customers who've emigrated. JPS, CFE, and NEPA have millions in unreachable receivables. Billo turns write-offs into revenue.
Guaranteed Settlement
Billo validates accounts before payment submission. Fewer returns, fewer NSFs. Billers receive local currency reliably.
Analytics & Reconciliation
Payment volume data, timing patterns, geographic breakdown of payers. Digital reconciliation replaces manual processes.
4.2M+ Payers, Zero CAC
Instant access to Billo's diaspora payer network. No marketing spend required. Billers get promoted within the app on join.
Recommended Project Management Stack
Three tools, each doing exactly one job. Clean separation between product execution, knowledge management, and team communication.
Linear
Product & Engineering
Issue tracking, sprints, and roadmap. Fast, opinionated, and built for startup execution. OpenClaw agents can post directly to Linear via API — your AI development team creates issues automatically.
Notion
Knowledge & Docs
Strategy docs, investor materials, meeting notes, product specs, and this roadmap. The wiki layer. Keeps all Billo knowledge organized and accessible to partners and team.
Slack
Team Communication
Daily comms with Linear and Notion integrations piping updates in. OpenClaw agent status reports delivered via Telegram (already configured) or bridged to Slack as team grows.