Otto AI is modernizing Finance
Your Finances, Under Control.
Simplify invoicing, contracts, taxes, and compliance — built for freelancers, creative professionals, and small-business owners in Malta.
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Simplify invoicing, contracts, taxes, and compliance — built for freelancers, creative professionals, and small-business owners in Malta.
Quickly register as a sole trader or limited company. Understand your business structure clearly with our intuitive guides.
Automatically categorise expenses for effortless HMRC compliance. Access support from experienced UK accountants whenever needed.
Create and send invoices or bill requests seamlessly. Track client payments, manage due dates, and keep your cash flow consistent — tailored for Maltese entrepreneurs who value efficiency and clarity.
Draft, sign, and store contracts or agreements digitally. Built for freelancers and small-business owners in Malta, Otto AI helps you stay compliant and handle every signed document effortlessly.
Prepare and manage your tax forms easily — Otto AI helps you organise deductions, prepare FIRS forms, and ensure compliance with Malta’s tax regulations. Perfect for entrepreneurs who want accurate and stress-free filings.
Create insightful financial summaries and business performance reports to help you make smarter decisions. Otto AI provides real-time clarity so you can monitor growth and plan ahead confidently.
Otto is your all-in-one financial tool.
Directly from our users—how Otto is changing the way creative businesses manage their money.
Yes. Otto AI allows you to create and send professional invoices or bill requests that include your VAT number, registered business details, contact information, and payment terms. You can also customize your invoices with your company logo and currency preferences, ensuring compliance with Malta’s invoicing and VAT documentation standards.
You can receive payments through local bank transfers, SEPA payments, or integrations with your preferred accounting software or online payment gateways. Otto AI makes it simple for your clients to pay you in euros (EUR), while automatically tracking and reconciling each transaction in your account.
Yes. Otto AI supports multi-currency invoicing, enabling you to send invoices and receive payments from clients in different currencies across Europe and beyond. This feature is ideal for freelancers and businesses working with international customers.
No. Otto AI is designed for flexibility — suitable for both self-employed professionals and registered companies. Whether you’re a freelancer, consultant, or small-business owner, Otto AI helps you manage clients, payments, and contracts with professional efficiency.
Absolutely. Otto AI allows you to draft, eSign, and securely store client contracts and agreements directly within the platform. Each eSignature is encrypted, time-stamped, and compliant with the EU’s eIDAS regulation, ensuring your contracts are legally valid and protected under Maltese and European law.
Yes. Otto AI supports multiple signers per document, allowing clients, collaborators, or partners to review and eSign contracts either sequentially or simultaneously. This simplifies deal approvals and ensures faster turnaround times.
Yes. Otto AI provides real-time tracking and notifications whenever an invoice or contract is opened, viewed, or signed. You’ll always know the status of your documents without having to manually follow up.
Yes. Otto AI uses enterprise-grade encryption and secure European cloud storage to protect all your invoices, contracts, and client data. Your information remains private, compliant with GDPR, and accessible only to authorized users.
Yes. Otto AI allows you to set up and automate recurring invoices for monthly retainers, subscriptions, or regular clients. Once configured, Otto AI sends invoices automatically, saving you time and ensuring consistent billing.
Definitely. Otto AI lets you send invoices, signed contracts, and payment links directly via email, WhatsApp, or other messaging platforms. This keeps your communication fast, professional, and well-organized — all from within one platform.