For independent workers
Banking + AI workflows + business management — all in one place. No more switching between apps. No more guessing what's left after taxes.
The problem
Your bank thinks you get paid on a schedule. You don't. Irregular income is not a bug — it's your life — but no bank treats it that way.
You're self-employed. You're supposed to set aside money all year. Almost nobody actually does it. Surprise tax bills are a national sport.
Banking app. Accounting app. Invoicing. Expense tracking. Tax tool. Every week you lose hours to switching between them — and nothing talks to anything else.
The solution
Riza brings banking, AI automation, and business management into one financial command center. It knows how independent workers get paid — irregular, unpredictable, multi-stream — and it adapts to that reality.
AI watches your income and expenses, surfaces what matters, and tells you what to do next. Set aside taxes automatically. Follow up on overdue invoices. Cancel unused subscriptions. All without thinking about it.
What Riza does
Business checking with a local IBAN. Income-aware dashboards that show what's actually available — not just what's in the account. Smart buffers for slow months.
Auto-categorize every transaction. Estimate quarterly taxes in real time. Send invoice follow-ups automatically. Cancel subscriptions you forgot about. The AI does the work you never have time for.
1099 generation, expense categorization by category, exportable reports for your accountant or your peace of mind. Tax time stops being a crisis.
Invoicing, project tracking, client management — all tied to your financials. See which clients pay fast and which drain your time. Know what's actually profitable.
"Freelancers are not failed employees. They are running a business — often out of a laptop, a camera, or a guitar — and they deserve the same financial infrastructure as anyone else."
The big banks designed their products for people with steady paychecks and a boss. Freelancers, creators, and independent workers don't fit that mold — and they never will.
Riza exists because the independent economy is real, it's growing, and nobody built software for it properly. Not just another bank. Not just another app. A financial command center that works the way you work.
Riza is in active development. Subscribe to get early access and follow along as we build.