Owed

My entry to the PayPal AI Hackathon (Oct–Nov 2026).

Owed is an AI collections copilot for freelancers and small studios who bill through PayPal. It reads your PayPal invoices, learns how each client actually pays (average days late, on-time rate, a risk score) and forecasts when the cash will really land. Claude agents write a morning brief and draft the right reminder for each overdue invoice: friendly, firm or final.

Agents can draft but never send: every reminder waits in an approval queue, and only a signed-in person pressing Approve & send reaches PayPal. An audit trail records every draft, approval and PayPal call.

Built with Next.js, AG Studio dashboards and its Agent Framework (with a Claude adapter I wrote), PayPal Invoicing v2, Transaction Search and the PayPal Agent Toolkit, and sign-in through a shared Logto SSO. The demo video is recorded by a script from the real app.

• Category
  Personal
• Status
  Live
• Devpost submission
  devpost.com/software/owed-mi23or
• Source code (MIT)
  github.com/edilsonsantos-co-za/owed
• Demo video
  youtube.com/watch?v=ZhHI00SAyu8
• Link
  owed.edilsonsantos.co.za