Meet Penny: Your Autonomous Finance & Analytics Co-Worker
Xpress AI Co-Worker™ — Powered by Express Automations
Penny keeps the money side of your business moving: polite debt chasers, tidy Xero records and a clear view of cash flow, with every action approved by you.
Manual Work vs. Autonomous Solution
Right now
What You Do Manually Right Now
- Sorting shoeboxes of receipts at quarter end
- Chasing overdue invoices by hand
- Feeling awkward about asking clients for money
- Guessing your cash position for next month
- Scrambling to get ready for BAS / GST
With Penny
What Penny Does For You
- Auto-categorises receipt line items from a WhatsApp photo
- Writes verified transactions back to Xero
- Sends polite, on-brand reminders for overdue invoices
- Includes a secure payment link with every reminder
- Prepares weekly cash-flow summaries and BAS / GST estimates
How Penny Works Behind the Scenes
No dashboards and no prompts to learn. You talk to Penny on WhatsApp in plain language.
- 1 Connect XeroA secure OAuth link: Penny can read invoices and write back receipts you approve.
- 2 Snap & forwardSend receipt photos on WhatsApp; Penny reads and categorises them.
- 3 Overnight checksPenny spots overdue invoices and drafts friendly reminders.
- 4 Tap to sendApprove in your briefing; Penny sends the reminder and updates Xero.
Native Platform Integration Stack
Penny connects securely to the tools you already use, with sandboxed OAuth permissions.
See How Penny Asks First
Penny prepares the work, then messages you on WhatsApp. Nothing changes in your systems until you tap Approve, or ask for an edit in plain language.
- Every draft passes compliance and audit checks first
- Reply with changes, just like messaging a colleague
- Every approval is kept in a full audit log
Penny
online
Questions About Penny
No. Penny can send reminders and payment links, but it cannot withdraw funds or make payments.
No. Tax summaries are for bookkeeping assistance only and must be confirmed with a Registered Tax Agent.
Penny connects through Xero's official OAuth 2.0 API, and your financial data is never used to train public AI models.
No. Penny prepares estimates, but official BAS returns need sign-off from your registered tax professional.
Put Penny to work tomorrow morning.
Start with the $5 AUD/mo VIP Founding Pass, or go straight to Pro Co-Worker OS for every specialist Co-Worker. Cancel anytime with 1 tap.