Owed — Credit Memory Agent

The Problem Small shops keep credit ledgers in notebooks or spreadsheets and decide from memory who to trust. This breaks down when outstanding balances quietly cross risk thresholds, once-punctual buyers start paying late, or owners must personally recall hundreds of payment histories to answer "should I give them credit again?" Revenue leaks silently, and bad debts accumulate without visibility. The Solution Owed replaces that fragile memory with a consistent, auditable, always-up-to-date credit score per customer. It answers three questions merchants actually ask: How risky is this customer right now? — Low / Medium / High / Critical with a confidence score. Why? — A plain-English explanation referencing actual transactions. What should I do? — A recommended next action, the best time to follow up, and a ready-to-send customer message. Key Features Customer ledger management — Add customers and track every credit and payment transaction per customer with live balance computation. AI credit assessment — One-click analysis per customer returns risk level, confidence score, behavioral summary, recovery probability, recommended next action, best time to follow up, and a customer-ready message. Risk-prioritised dashboard — See total outstanding credit, count of High/Critical customers, and a customer list sorted by risk priority so urgent accounts surface first. Bulk CSV import — Import hundreds of transactions in one go with automatic customer de-duplication and a clear summary of imported / skipped / duplicates / errors. Activity log — Every meaningful action is appended to a per-business audit trail with human-readable descriptions and structured metadata. Auth & multi-tenancy — Email/password sign-up, automatic business provisioning on sign-up, and Row-Level Security that prevents any cross-tenant leakage.