Holdings Launches Free AI Invoicing That Works Inside Claude, ChatGPT, and Cursor

Users can create, send, and track invoices by asking the AI assistant they already use — with no monthly fee.

Holdings, the connected financial platform for founders and operators, today launched free invoicing that runs directly inside AI assistants, including Anthropic’s Claude, OpenAI’s ChatGPT, and the Cursor code editor. Using the Model Context Protocol (MCP) — an open standard for connecting AI assistants to outside tools — users can draft and send an invoice, collect card or ACH payment, and check whether it has been paid by asking the assistant they already work in, without opening a separate app.

We make money when our customers g*******, not when they send an invoice. That’s why we can give invoicing away for free.”

— Jason Garcia, CEO & Founder of Holdings

Most invoicing tools charge a monthly subscription and require the user to open a dashboard and fill out a form for every invoice. Holdings takes a different approach on both counts. There is no subscription for invoicing, and there is no separate app to learn. A user connects their AI assistant to Holdings once, then bills in plain language — for example, “Invoice Acme Corp for 12 consulting hours at $150.” The assistant drafts the invoice, the user confirms it, and Holdings sends it and reports back when the payment clears.

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Holdings can offer invoicing at no cost because it does not depend on invoicing for revenue. The company earns a small margin on the payments its customers collect, through its Stripe-based payment processing, rather than on a per-seat subscription. That structure lets Holdings provide unlimited invoicing free and still operate as a business — the company makes money when its customers g*******, not when they send an invoice.

“Most people already ask an AI assistant to draft the email and do the math. Sending the invoice should happen in the same place,” said Jason Garcia, CEO and founder of Holdings. “We don’t charge for it because we earn when our customers g*******, not when they hit send. That lets us give invoicing away and still run a real business.”

Invoicing is one surface of Holdings’ connected platform, where business banking, invoicing, and accounting share a single system. Business banking is provided through i3 Bank (Member FDIC), with deposit coverage up to $3 million through a program-bank sweep network. Because the pieces are built together, a paid invoice is already recorded in the books and a bank deposit is already reconciled. Free invoicing and connected business banking are included; full double-entry accounting is available as a $25-per-month add-on.

The invoicing integration is available now and works with Claude, ChatGPT, Cursor, or any MCP-capable AI agent. Businesses can open a free account and connect their assistant at https://getholdings.com.

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