Picture this

Who it is for

Aisha sets rent, internet and her mother's allowance once. Bill Autopilot pays them monthly within the caps she wrote.

Two ways to own it

What you get

Base$149

$37 deposit to reserve

Policy editor, schedule, payee list, history.

You choose: accent color

Customfrom $1,100

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Subscriptions exist; account native scheduled bills were not found as a product.

Closest things out there

Session key demos; off chain bill pay.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Set once, forget it, stay in control.

The Regatta Board

Races it can enter

grant · Starknet Foundation · rolling

Starknet Seed Grants / Propulsion

rolling

Official page ↗

Ecosystem program for shipped apps; check current terms.

Their rule on existing code: Existing projects OK

What you own

The whole app, not a starter kit.

The complete Bill Autopilot app: rent, internet and family money paid on schedule from the user's own Starknet account, inside caps they wrote, with plans and checkout built in. Owner console and growth tools are available as add-ons.

Base price · $149

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: list who you pay, sign one key, it asks and never surprises.

Calm status and next actionHome

On time streak, monthly ceiling, key days left and one clear next step.

Month calendar and activityHome

Drawn month strip of pay days plus a live activity feed.

Per payee caps and on or offBills

Each payee gets a day and a ceiling enforced by the account itself.

Session key policyBills

Allowlist, caps, monthly ceiling, expiry and grace days, signed once with a passkey.

Add payee with cooling periodBills

New payees and address changes wait before the first payment. Extra payees gated behind Household.

Priority order for tight monthsBills

Choose rent first or family first when salary is late. Gated behind Household.

Pay day runs in four scenariosPay day

Ordinary month, rent rise, late salary and a strange payee, each against the same caps.

Cap questionsPay day

Anything above a cap stops and asks: raise with passkey, pay the cap, or hold.

Payee confirmationsPay day

Landlords and family get a note when money lands. Gated behind Household.

Onchain receipts and private labelsReceipts

Policy and payment receipts with tx hash and block; payee names stay on the phone.

CSV exportReceipts

Every payment for taxes or a landlord reference. Gated behind Household.

Sunday note, plans and settingsMe

One minute weekly note with key renewal, plans with USDC checkout, notifications, share card.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

MRR, payouts, incoming USDC payments, live editing of tiers, prices, gates and payment methods.

Rules, autopilot log and roadmapRules

Max key life, warning days, grace, cooling period, keepers, paymaster; plus the Agent log and priced Roadmap.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loops and referralsGrowth

Co-op onboarding, payee confirmations, family referrals and cohort retention.

The money path, built in

How it earns for you

Running your own bills is free. Households pay for more payees and tight month tools, small businesses pay for supplier runs. The owner never holds user funds.

FreeFreeUp to 3 payees, monthly schedule, Sunday note, sponsored fees

Household$3 a monthUnlimited payees, priority order for tight months, payee confirmations, CSV export

Small business$15 a monthSupplier runs with per payee caps, two person approval above a threshold, CSV export

Starknet fees are well under a cent per payment and can be sponsored by the owner through a paymaster.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Payee confirmations: every landlord or co-op paid this way sees how and can invite the next tenant
Co-op and landlord pay links on invoices
Family money home: siblings sending to the same parent share one setup
Streak share card: months without a late rent
Family to family referral codes worth a free month for both

Roadmap · build the next phase with us

Where it goes next

v1 included

The full bill pay app

Session key policy with caps, allowlist and expiry
Bills editor, pay day runs and cap questions
Receipts with onchain and private labels
Sunday note, key renewal, streaks
Plans and checkout

Included

Payee requests and shared bills

Payees request a change that arrives as a question
Family co-funds a shared bill
Pay with Bill Autopilot links for landlords and co-ops
Telegram bot for questions and renewals

Add-on from $450

Small business runs and payroll

Supplier and contractor runs with per payee caps
Two person approval above a threshold
Accounting export and monthly statements
Multiple keepers across regions

Add-on from $1,100

For investors and grant reviewers

The pitch, ready

Capped, scheduled payments from your own Starknet account, no custodian.

Problem: People with rent, internet and money for family pay by hand every month and sometimes late. Onchain, the choice is a custodian holding your funds or signing every payment yourself.

Solution: One passkey signature issues a session key that can only pay listed payees, only up to written caps, only until it expires. A keeper submits payments on schedule; anything outside the policy becomes a question.

Why now: Native account abstraction on Starknet, cheap fees, paymasters and passkeys make self custodial automation usable by people who never think about wallets.

Market: Stablecoin earners paying recurring bills, families sending money home, and small businesses paying suppliers and contractors.

The ask: Starknet Seed Grants, plus pilot partners: one internet co-op and one landlord group willing to list a pay link.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Aisha, 29, in Casablanca, three bills a month paid by hand from a bus.
Bills: set caps for rent, fibre and Mama's allowance, pick a 90 day key and 3 grace days, sign once.
Pay day: run an ordinary month, then rent goes up to 600 and the app asks instead of paying.
Pay day: try a strange payee and watch the account refuse it.
Receipts: what is onchain and what stays on her phone.
Owner Agent: the expired key and keeper outage, and how it adapted.
Owner Revenue: change the Household price and preview the Plans sheet.
Owner Growth and Roadmap: onboard a co-op, then request v2 payee requests.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work from $1,100: other chains or account types, your own payee categories, local currency display, a Telegram or WhatsApp channel, or a branded deployment for a co-op or landlord group. Scoped on a call.

Custom from $1,100

BLUEPRINT

Why it matters and how it really works

The need

People with recurring obligations (rent, internet, money for family) pay them by hand every month and sometimes late. Onchain, the options are either a custodial service holding your funds or remembering to sign every payment yourself.

What exists and what is new

What exists: session key demos and policy tooling on Starknet accounts, and many off chain bill pay and subscription services. Research did not find a product that runs scheduled bills from the user's own account with per payee caps enforced by the account itself. Verdict: medium novelty. The building blocks (account abstraction, session keys, keepers) are known; the new part is packaging them as a calm bill pay app for ordinary people.

The data it runs on

The user's payee list, caps, schedule and grace rules (policy hashes onchain, human labels encrypted on the device), session key metadata, payment transactions and a weekly digest built from the user's own history.

1.The mission

Let anyone automate the money they owe every month without giving anyone else control of that money.

2.Why people can't resist it

Caps you wrote Every payee has a ceiling enforced by your account. The app can propose a payment, but only your rules can approve it.

It asks, it never surprises A rent increase or a strange payee becomes a question on your phone, not a debit.

A one minute Sunday One weekly note: what is next, what changed, which key to renew. Then nothing needs you.

3.How it works for real

Account: A Starknet smart account (for example Argent or Braavos style) controlled by the user's passkey or wallet. Starknet has native account abstraction, so custom validation is first class.

Session key with policy: The user signs once to issue a session key limited to an allowlist of payee addresses, a USDC transfer selector, per payee caps, a monthly ceiling and an expiry. The account rejects anything outside it.

Keeper: A small scheduler service (Starknet has no native cron) submits the due payment on the right day using the session key. If it fails or is wrong, the account refuses and funds stay put.

Paymaster: Fees are sponsored through a paymaster so the user only holds USDC. Starknet fees are typically a fraction of a cent per transfer, so a year of bills costs well under a dollar.

Indexer and digest: An indexer (for example Apibara or a hosted RPC with events) reads the account's transfers and builds the weekly note and late payment stats.

Notifications: Push or Telegram messages for cap breaches, key expiry warnings 5 days ahead, and confirmations to payees who opt in.

4.Cost per use and pricing

Per payment: one USDC transfer on Starknet, usually well under $0.01 in fees, sponsored by the operator. Keeper and indexer hosting: about $20 to $40 a month for the first few thousand users. Example: 1,000 users with 3 bills each is 3,000 payments a month, roughly $10 to $30 in fees plus hosting.

Free $0

Up to 3 payees, monthly schedule, weekly note. Fees sponsored up to a small monthly limit.

Household $3 a month

Unlimited payees, weekly or custom schedules, priority order for tight months, payee confirmations.

Small business $15 a month

Supplier and contractor runs with per payee caps, two person approval above a threshold, CSV export.

5.Growth loop

Every payee who receives a confirmation sees how it was paid and can set up their own. Families sending money home share it with siblings. Landlords and co-ops can list a pay with Bill Autopilot link.

6.Risks and guardrails

Keeper downtime: If the scheduler is down, payments are late, not wrong. Mitigation: multiple keepers, user alerts, grace days.

Key compromise: A stolen session key can only pay the allowlisted payees within caps until expiry. Short expiries and passkey renewal limit damage.

Wrong payee address: If a landlord changes address, the old one keeps being paid. Mitigation: address changes require the user's main signature and a cooling period.

Insufficient balance: A transfer can fail or starve a later bill. Mitigation: priority order and grace rules the user chooses.

Regulatory: Non custodial scheduling avoids holding funds, but recurring payments to family abroad may touch remittance rules in some countries. Get local advice before marketing cross border use.

7.Build order

Starknet account with a session key policy: allowlist, per payee caps, expiry
Policy editor with payees, caps and schedule
Keeper that submits due payments and logs results
Paymaster sponsored USDC transfers
History view and cap breach questions
Weekly digest and key expiry warnings

8.Where this is going

Now
Monthly bills from your own Starknet account, inside caps you wrote.
Next
Payees can request changes that arrive as questions, and family can co-fund a shared bill.
Later
Small businesses run payroll and suppliers the same way, with two person approval.
The big one
Recurring payments that never require trusting a custodian become the normal way people pay what they owe.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Bill Autopilot

Bill Autopilot: Capped, scheduled payments set on your own Starknet account, no custodian. Using someone else's version means their rules, their brand and their revenue. Owning Bill Autopilot means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.

What’s stopping you?

“I am not technical.”

Bill Autopilot arrives deployed with a guide. Running it is settings and sharing links, not code. If you get stuck, we help you ship it.

“What if nobody uses it?”

Start with ten people you already know. The first move below takes under an hour and tells you fast whether people care.

“I do not have time.”

Each step is sized in minutes. Most owners spend an hour a week, and the app does the repetitive part.

“Will it make me money?”

Nothing is guaranteed. The playbook gives you a clear path and honest numbers, and you decide how far to take it.

The million-dollar ladder

Charge the people who get the most value from Bill Autopilot: a monthly plan for groups or teams, plus setup fees for anyone who wants it done for them.

$100

$1,450

$11,700

$78,000

First harbour

5 customers

$20 a month

Steady trade

50 customers

$29 a month

Known name

300 customers