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- The full ledger: accounts, categories, and every transaction type — purchases, income, transfers, card payments, fees, refunds, and non-destructive corrections.
- Shared expenses with percentage, share, or exact-amount splits, and two-step settle-up between Vloxyde users.
- Statement reconciliation with a pending → cleared → locked lifecycle.
- CSV import (as reviewable drafts) and full CSV export.
- Reports: net worth, cash flow, gross vs. personal spending, and receivables/payables — every figure drillable to its events.
- The vloxyde CLI and an MCP server for AI assistants, with agent writes off by default.