How George AI Bot works

1. 1

   A ledger file holds the facts

   Wallets with their bank details, membership invoices, tax payments, withdrawals and value snapshots.

2. 2

   The app reads it

   Importing stores those records here, so unpaid invoices become bills you can settle and wallets show their cash balance.

3. 3

   Your actions are recorded

   Paying an invoice, raising a new one, receiving a payment or withdrawing cash all write a payment record against the same ledger.

1. 1

   Sign in

   Use Sign in at the top of the navigation. Your ledger, invoices and requests are tied to the email you sign in with.

2. 2

   Create a default ledger

   On the Pay screen, choose Create default ledger. You get an empty ledger and one wallet carrying a sort code and account number generated just for you.

3. 3

   Or import a ledger backup

   Open Ledger file and import your JSON. Its wallets, invoices, tax payments and withdrawals are read into the app straight away.

1. 1

   Open her

   Choose Voice in the bottom-right corner, then tap the microphone to speak or type the command. Answers are read aloud until you mute the speaker icon.

2. 2

   Or just say the name

   Turn on the radio icon and he listens for “George AI Bot”. Say the name, then the request — for example, “George AI Bot, how much do I owe”.

3. 3

   What he will not do

   For safety he will not transfer funds, open a wallet, start a payment, withdraw cash, send a message, or import or export the ledger. Ask and he tells you which screen does it, then talks you through it step by step.

4. 4

   Ask him anything

   She explains the console and its terms, walks you through a task, and looks things up from the internet when you ask about news, gossip or the markets. She keeps the thread, so follow-ups like “yes” or “the second one” are understood.

Nothing is destroyed by voice: removing a ledger or deleting records always has to be confirmed on screen.

Outstanding to settle

The total of every unpaid invoice and how many accounts it is spread across.

Net position

Invoices raised minus completed payments that are not tax, never below zero. Tax outflows do not reduce it.

Total credit, debit, tax paid

The value snapshot carried in the ledger file.

Accounts

Each wallet with its name, sort code, account number and cash balance. Digital cash is shown underneath when there is some.

Invoices

Two tabs, Outstanding and Paid. Tick invoices to pay several at once, or use the Pay button on a single row.

Payment requests

Requests you send to other users and requests they send you, with their current status.

1. 1

   Pick the invoices

   Use the checkboxes to select, then the bar at the top shows the combined total. Paying a single row works the same way.

2. 2

   Choose how you pay

   Card opens a secure Base44 Payments checkout. Bank transfer and digital cash record the settlement against the ledger without charging a card.

3. 3

   Confirm

   A card payment marks its invoice paid once the charge clears, and each invoice selected is charged as its own transaction. Bank transfer and digital cash settle it immediately.

Card charges have to be at least 0.50 in the currency being charged. Every invoice row also downloads as a JSON bill or a PDF, for your own records or to send on.

Add who it is billed to, what it is for, the amount and optionally an email, due date and reference. It joins your outstanding list and can be paid, downloaded as a PDF or exported with the ledger. External invoices are capped at £3K each.

1. 1

   Send the request

   Choose Request payment, enter their email address, what it is for and the amount. Add a due date or reference if you want.

2. 2

   They receive it as an invoice

   The next time that user opens their wallet, the request becomes an outstanding invoice in their ledger. If they have no ledger yet, it waits until they create one.

3. 3

   You get paid

   When they settle it, the amount is added to your wallet balance and appears in your payment history. The request is then marked paid.

1. 1

   Receive

   Receive by QR code shows a code for the chosen wallet, carrying an amount too if you set one. Copy the code to send it on, or hold the screen up to be scanned.

2. 2

   Send

   Send by QR code scans the other person's receive code with the camera, or takes it pasted. Check the account shown, enter the amount and an optional reference, then send.

3. 3

   Camera limits

   Scanning needs camera permission and a browser that can read codes. When either is missing, pasting the code works exactly the same way.

Starting a conversation

Pick a conversation on the left, or start a new one with the other person's email address. Messages only reach people with an account here.

Unread

Opening a conversation marks it read, and the navigation shows how many messages are still waiting.

George AI Bot can help

Ask him to read new messages aloud — “George AI Bot, read my messages”. He will not send one for you, but he shows you where to write it.

Pick the wallet it comes from, the amount, where it is going and add an optional note. The withdrawal is recorded as a payout with a reference, so it shows in your payment history with a minus sign.

Received

Everything paid in. The totals button breaks it down by method.

Withdrawn

Everything paid out.

Rows

Date, payer, description with its reference, method, and the amount. A New tag means it was recorded here rather than read from the file.

Import

Read a ledger JSON backup. Its wallets, invoices and payments replace what is shown for that file.

Export

Download the current ledger as JSON, either as-is or encrypted with a passphrase you choose.

Encrypted copy

AES-256-GCM, keyed from your passphrase. Keep the passphrase safe — without it the file cannot be opened.

Remove

Deletes the ledger with its wallets, invoices and payments from the app. Download an export first if you might need it.

Opening a ledger

A ledger is only used once you open it — by creating one or importing one. Nothing loads on its own, so the console always works in the ledger you chose.

Holdings cap

A ledger can never hold more than the most valuable company on earth. Cash and digital cash across its wallets are capped at £4 trillion — imports that exceed it are trimmed.

The exact JSON shape of every collection and field is documented on the format guide.

1. 1

   Verify the address

   Choose Government Payment in the navigation and enter an official address — .gov.uk, .nhs.uk, .gov, .gouv.fr, .bund.de, .go.jp and similar. A six digit code is sent to that mailbox and is valid for ten minutes.

2. 2

   Set the starting balance

   Enter the code, name the account holder and set the opening balance for the wallet. More than £39,000 flags it High risk, like any other wallet.

3. 3

   Central banks deposit

   Addresses at a central bank — the Bank of England, Federal Reserve, Bundesbank and others — can also deposit money into their wallet afterwards. Each deposit is recorded in the payment history.

4. 4

   Government register

   Every body that has opened a wallet is listed on the Government register, with what it holds and what has been issued to it.

Outstanding

An invoice waiting to be settled.

Paid

Settled here or already marked paid in the file.

Overdue

An outstanding invoice whose due date has passed.

Sent

A payment request raised, not yet in the payer's ledger.

Invoiced

A request that has become an invoice in the payer's ledger.

Wallet

An account in the ledger, with its bank details and cash balance.

Digital cash

Cash held against a wallet that can be withdrawn out to a destination.

External invoice

An invoice you raise for someone outside the ledger.

High risk

Any wallet holding more than the average citizen's income — about £39,000, the UK median full-time wage — is flagged High risk. When a ledger holds one, every invoice and payment in it is marked High risk too.