The AI CPA-grade Brain
Eight specialists.
One brain.
Each agent is a domain expert with its own tools, system prompt, and write-gate. Together they work as your finance team including the AI CPA — six agents handle the operational cycle; the Tax Advice and Investment Advice agents (coming soon) join as the strategic teammates.
FinXteam prepares review-ready outputs — it does not replace a licensed CPA. You or your invited CPA approve all final books, filings, and decisions.
How it works
From your question to a completed action
The brain orchestrates. You stay in control of every write.
You ask
"What's my Q2 tax liability?" or "Why did margins drop in May?" — natural language, no SQL.
The brain routes
It picks the right specialist (Tax Advice for the first, P&L + Forecasting for the second), pulls the relevant tools, and gathers the data.
Confidence gate
Read-only answers come back immediately. Anything that writes to your ledger (a journal entry, a tax filing) goes through your approval — or the auto-approve policy you set.
You approve
Cards show the proposal, the reasoning, and the source data. One click to approve, edit, or reject. Every action lands in the audit log.
The 8 agents
Every accounting cycle, specialised
Each agent has its own page with the full problem-solution narrative, capabilities, and the backend tools it routes to.
Bookkeeping
Every dollar, in the right account, without the data entry.
Pulls transactions from your bank and processors, categorizes them with high first-pass accuracy, and stores and matches receipts automatically.
- 12,000+ US banks and credit cards, read-only
- Stripe, Shopify, Square, PayPal, Amazon import
- AI categorization with confidence gating
Reconciliation
Books matched to bank activity daily, with exceptions routed for review.
Continuous bank reconciliation engine. Matches statement lines to ledger entries, surfaces only the exceptions.
- Continuous (daily) reconciliation, not month-end batch
- Rule builder for recurring matches
- Exception queue with AI-explained variances
Sales-Tax
Calculate. Track nexus. Prepare returns. Across U.S. states.
Real-time tax rates on every sale, nexus threshold tracking, and prepared returns that support sales-tax filing workflows across U.S. states.
- Real-time tax calc (every product, every jurisdiction)
- Nexus Watch — alerts before you trip $100K / 200-txn thresholds
- Supports sales-tax filing workflows per state, subject to setup and approval
P&L
Statements that stay continuously updated and ready for review.
Live P&L, Balance Sheet, and Cash Flow Statement. Cash or accrual basis. Consolidated across entities.
- P&L, Balance Sheet, Cash Flow — live, every day
- Cash ↔ Accrual basis toggle
- Consolidated statements across entities (with FX + intercompany elimination)
Tax Prep Support
Review-ready estimates, deduction summaries, and M-1 support — for your CPA to approve.
Prepares quarterly estimate calculations from real numbers, deduction summaries, an M-1 book-to-tax worksheet, and CPA-ready packages. Not legal or tax advice.
- Federal + state quarterly estimate calculations from live books
- M-1 Book-to-Tax differences worksheet
- Potential-deduction summaries (mileage, home office, depreciation, R&D)
Revenue & Forecasting
See what's coming — cash, revenue, runway.
Cash flow forecast that reads your upcoming bills. Per-stream revenue analytics. Runway projection. Variance vs. budget. Forecasts are estimates, not guarantees.
- 30-day cash flow forecast (reads upcoming bills automatically)
- Runway projection — months at current burn
- Per-stream revenue analytics (subscriptions, one-time, MRR)
Accounting
Accruals, prepaids, depreciation, close — without the GAAP migraine.
AI-proposed accruals with paired reversals. Prepaid amortization. Fixed asset depreciation. 1-click month-end and year-end close.
- AI-proposed accruals (with paired reversals)
- Prepaid amortization calendar
- Deferred revenue recognition schedules
Cash Planning
See your cash, runway, and concentration — with discussion-ready options.
Cash visibility across your business accounts, concentration alerts, runway-aware planning, and discussion-ready options. Not investment advice.
- Cash visibility across operating and savings accounts
- Runway-aware planning tied to your forecast
- Concentration alerts (balances above FDIC limits at one bank, vendor revenue concentration, etc.)
Parallel by design
A month of close, in three seconds.
The brain doesn't queue the work — it fans it out. Six specialists run at once against the same event, so your books move in seconds, not weeks.
Three seconds. Eight hands.
Six specialists, all at once.
- BKBookkeeping0.4s
- RXReconciliation0.9s
- STSales-Tax1.4s
- PLP&L1.9s
- ACAccounting2.4s
- FCForecasting2.9s
Principles
How we built the brain responsibly
One brain, eight specialists
You talk to one assistant. Behind the curtain, the right specialist takes the question — with curated tool access and a system prompt tuned for that domain.
Read by default, write by approval
Every write to your ledger (categorize, adjust, file, close) is a proposal you approve. You set the auto-approve policy per agent and per confidence threshold.
Reasoning, not magic
Every AI action shows the data it used and the rule it applied. No black box — you can see why the Sales-Tax Agent picked 7.25% for that California sale.
Your CPA stays in the loop
Invite your CPA to the CPA Portal — they review proposals, leave threads on transactions, and pull tax packages directly. The AI extends them, not replaces them.
Ready to meet your agents?
Connect your bank. Your agents start working within minutes.
Request access