We Started With a Simple Question
Why does managing money feel unnecessarily complex when the basic math is pretty straightforward? Back in 2017, that frustration led three developers and an accountant to build something different. Not revolutionary — just honest tools that work.
The Road From Idea to Reality
We've made mistakes along the way. Launched features nobody wanted. Built interfaces that confused people. But we kept listening, adjusting, and rebuilding until things clicked.
The Garage Phase
Four people, endless coffee, and a shared frustration with existing tools. Built our first budgeting prototype on weekends while still working day jobs. Tested it with twelve friends who were brutally honest about what didn't work.
First Real Users
Launched publicly with basic expense tracking. Two hundred people signed up in the first month. Their feedback shaped everything that came next — especially when they told us our categorization system made no sense to actual humans.
Growing Pains
Expanded to small business tools after countless requests. Nearly broke our infrastructure during tax season. Learned the hard way that scaling requires more than optimism and late nights. Rebuilt our backend from scratch.
Finding Our Stride
Hit 15,000 active users. Added forecasting features that people actually use. Partnered with Charles Sturt University for educational programs. Started hiring beyond our original team, which changed everything about how we work.
Where We Are Now
Supporting businesses across Australia with tools that balance sophistication and simplicity. Still small enough to know many users by name. Still focused on solving real problems rather than chasing trends.
What's Next
Building AI-assisted insights that actually make sense. Expanding educational partnerships. Testing new features with a group of users who aren't afraid to tell us when we're overthinking things. Planning workshops for late 2026.
How We Actually Build Things
Most fintech companies talk about innovation. We prefer iteration. Our development process starts with conversations — not with developers, but with people who'll use what we build.
Every feature goes through at least three rounds of real-world testing. We watch people use prototypes. We ask why they click certain buttons and ignore others. Sometimes we discover that what seemed brilliant on a whiteboard makes zero sense in practice.
And honestly? We throw away more ideas than we ship. That rejection rate keeps quality high and prevents feature bloat. Not everything needs to exist just because we can build it.
What Matters to Us
Transparency
No hidden fees. No confusing terms. When we make changes, we explain why. When something breaks, we admit it publicly and fix it fast. Users deserve to know exactly what they're paying for and how their data gets used.
Accessibility
Financial tools shouldn't require a finance degree. We design for people who get overwhelmed by spreadsheets. Clear language, logical flows, and help that actually helps. If your grandmother can't figure it out, we haven't finished building it.
Sustainability
We're building a business that lasts, not chasing rapid growth that compromises quality. Profitability matters because it means we're not beholden to investors pushing for features that serve them instead of you. Slow and steady wins this race.
Who's Behind This
Rhiannon Kellett
Lead Product ArchitectSpent eight years building banking software before realizing most of it frustrated users more than it helped them. Joined niaslivofiaex to strip away unnecessary complexity. Believes the best interface is one you don't notice. Lives in Sydney with two rescue dogs and an embarrassing number of houseplants.
Saskia Wendover
Client Experience DirectorStarted answering customer support emails and realized she loved solving problems more than writing code. Now shapes how we communicate and where we focus development efforts. Insists that jargon is laziness, not expertise. Runs workshops teaching financial literacy to small business owners across NSW.