≡
Daily bank reconciliation
T1 · AUTONOMOUSEvery bank, credit card, Stripe, PayPal, Wise feed reconciled nightly. Match-confidence ≥98% auto-cleared. <98% queued for human in #books-review. Zero "shoebox of receipts" energy.
≡
ROLE · R/09 · FINANCE TRIBE
A digital bookkeeper that closes the month in 3 days, not 12.
Connect QuickBooks / Xero / NetSuite + your bank feeds + Stripe / payroll / Brex / Ramp. Cyborg posts double-entry journals nightly, reconciles every line within 24 hours, chases AR, pays AP on schedule, runs the monthly close in 3 days, files VAT / GST / sales tax on time, and hands your CPA an audit-ready package on day 4. Tax filings always human-signed. Wire transfers always founder-approved.
FROM $599/month
·
SCALES TO $1,599 (controller)
·
ONBOARDING 7 days
— 02 / WHAT IT DOES
— CAPABILITIES
From bank feed to audit-ready package — nightly.
Reconciliation autonomous. Journals autonomous. Tax filings always human-signed. Wire transfers always founder-approved. Your CPA reviews, never re-types.
▥
Double-entry journals
T1 · AUTONOMOUSEvery transaction posted with proper Dr/Cr, GL code, class, location, project, tax-code. Books always balance. Reversal entries auto-flagged.
⌬
Accounts receivable
T2 · GUIDEDInvoices auto-issued from billing system, dunning sequence at +7 / +14 / +30 days. Polite first, firm at +30. Founder approves >30-day collections actions.
◇
Accounts payable
T2 · GUIDEDVendor bills captured (email, Bill.com, Ramp). 3-way match (PO ↔ receipt ↔ invoice). Schedules payment for net-30. Drafts payment run, founder approves batch.
⚖
Wire transfers + ACH
T3 · APPROVEDDrafts wires, ACH, international remittances. Founder reviews + approves every single one in the bank's own UI. Cyborg never holds bank credentials.
★
Monthly close (3 days)
T1 · AUTONOMOUSDay 1: accruals + deferrals. Day 2: depreciation + amortisation + revenue recognition. Day 3: variance analysis + close package + CPA hand-off. Day 4: CPA reviews, books locked.
⊕
VAT / GST / sales tax
T2 · GUIDEDTracks tax obligations across jurisdictions (UK VAT, EU OSS, US sales tax via Avalara, GST IN/AU/CA). Drafts returns, accountant signs + files. Never autonomous filing.
▣
Expense report processing
T1 · AUTONOMOUSReads receipts (OCR + line-item parsing), maps to GL + project, applies expense policy. In-policy auto-approved. Out-of-policy held for manager. Reimburses via payroll.
⊜
Cash flow forecast
T2 · GUIDED13-week rolling cash forecast. Weekly Monday refresh. Flags <90 day cash runway, large inflows/outflows, FX exposure >5%. Slack alert to founder + CFO.
▦
Vendor disputes
T2 · GUIDEDDetects duplicate invoices, price-vs-PO mismatches, unauthorised renewals. Drafts dispute email with line-item evidence. Founder approves >$1k dispute send.
⚠
Audit prep
T3 · APPROVEDAnnual audit / due-diligence package: trial balance, GL detail, lease schedule, fixed assets register, AR aging, AP aging, bank confirmations. CPA + founder approve before send.
◑
Tax filing & year-end
T4 · NEVER ALONETax returns (1120 / CT600 / corporate income), year-end statutory accounts — always your CPA + founder. Cyborg preps the file, never signs, never submits.
TRUST LEVELS ·
T1 Cyborg posts, you can audit later
T2 Cyborg drafts, human reviews
T3 Human approves before action runs
T4 Cyborg never signs alone
— 03 / STACK
— FLUENCY
QuickBooks, Xero, NetSuite — all native.
Read-write on the GL. Read-only on the bank. Wire approval always lives in the bank's own UI — Cyborg never holds your banking credentials.
General ledger — READ-WRITE
- QuickBooks Online★★★★★
- Xero★★★★★
- NetSuite★★★★★
- Sage Intacct★★★★☆
- Wave / FreshBooks★★★★☆
- Zoho Books★★★★☆
Banks + cards — READ ONLY
- Mercury★★★★★
- Brex★★★★★
- Ramp★★★★★
- JPMorgan / BofA / Wells (Plaid)★★★★★
- Wise (multi-currency)★★★★★
- HSBC / Barclays / Lloyds★★★★☆
Payments + AR / AP — READ-WRITE
- Stripe★★★★★
- PayPal★★★★★
- Bill.com★★★★★
- Tipalti / Melio★★★★☆
- GoCardless (UK / EU SEPA)★★★★☆
- Razorpay (IN)★★★★☆
Tax + payroll + reporting — DRAFT
- Avalara (US sales tax)★★★★★
- TaxJar★★★★★
- Gusto / Rippling (payroll)★★★★★
- Deel (contractor payroll)★★★★★
- HMRC MTD (UK VAT)★★★★☆
- Carta (cap table → GL sync)★★★★☆
— 04 / DAY IN LIFE
— WEDNESDAY · 06:00 → 18:00 IST · CLOSE WEEK DAY 3
A real Wed. Series-A SaaS, $4.2M ARR, closing April.
Day 3 of monthly close. 487 unreconciled Monday morning. By Wed evening: 23 left, all flagged for human review, close package draft to CPA.
- 06:00
Overnight bank feeds reconciled
Mercury, Brex, Ramp, Stripe, Wise feeds pulled at 02:00 UTC. 312 transactions. 296 auto-matched (≥98% confidence). 16 queued for review — 3 ambiguous customer payments, 13 vendor matches needing PO link.
- 07:30
Stripe → revenue recognition
April Stripe payouts mapped to invoices. $312k MRR posted. Deferred revenue waterfall for annual contracts: $128k recognised this period, $1.04M deferred. Journal JE-2026-04-1842 posted (see sample below).
- 09:15
AP aging + payment run draft
23 vendor bills due in next 7 days, total $47.3k. Cyborg drafts payment run for Friday. Founder will approve in Mercury UI — Cyborg never moves money autonomously.
- 10:42
Vendor dispute drafted
Detected: AWS bill $8,420 vs reserved-instance plan budget $6,100. Cyborg drafts dispute email citing 3 over-provisioned EC2 instances. Founder reviews + sends from her own inbox (T2).
- 11:48
AR dunning sequence
4 invoices >14 days overdue ($23.8k total). Cyborg sends polite reminder #2. 1 customer (BigCo, $12k, 38 days) escalated — founder approves "phone call from VP" path.
- 13:00
Depreciation + amortisation run
Fixed assets register: $84k of laptops, $42k of office equipment, $310k of capitalised SaaS dev costs. Cyborg posts April D&A: $14.2k total. Lease ROU asset amortised per IFRS 16.
- 14:30
Variance analysis
April actuals vs March + budget: revenue +8.1% MoM (good), CAC up 14% (Marketing investigating), AWS up 38% (vendor dispute filed above), payroll flat. 3-line memo to founder.
- 15:45
UK VAT return drafted
Q1 VAT due 7 May. Cyborg drafts MTD return: £42,180 output VAT, £18,940 input VAT, net £23,240 payable. CPA reviews tomorrow, signs + files. Cyborg cannot file alone.
- 16:30
Bank reconciliation report finalised
Mercury operating account: $487,212.84 per books vs $487,304.12 per bank. Reconciling items: 1 outstanding check $91.28 (rent deposit refund). Net diff $0.00. REC-2026-04-MAY closed (see sample).
- 17:00
Cash flow forecast refresh
13-week rolling. Cash today: $2.41M. Runway at current burn: 19 months. Q3 customer renewal cycle modelled (worst case 11 months runway). Slack to founder + investor digest.
- 18:00
EOD close package to CPA
Trial balance, P&L, balance sheet, cash flow statement, AR aging, AP aging, bank recs — all attached. CPA reviews tomorrow. Books locked Friday.
— 05 / SAMPLE DELIVERY
— REAL JOURNAL ENTRY + BANK RECONCILIATION · ANONYMISED
A real April close. Books balanced, $0.00 unreconciled.
Two artefacts from a real customer's April close: the revenue-recognition journal entry and the operating-account bank reconciliation. CPA reviewed both in 14 minutes and signed off.
JE-2026-04-1842 · ● POSTED · BALANCED · CPA-APPROVED
April 2026 Revenue Recognition
April 2026 Revenue Recognition
Period: 2026-04-01 → 2026-04-30 · Source: Stripe payouts + annual contract waterfall · Currency: USD
POSTED BYcyborg-cfi-009
· auto-balanced · CPA approved 14 min later
| Acct # | Account | Class | Debit | Credit | Memo |
|---|---|---|---|---|---|
| 1010 | Cash — Mercury operating | — | 312,418.00 | — | Stripe payouts April 1-30 |
| 1210 | Stripe in-transit | — | 8,124.00 | — | April 30 payout, settles May 2 |
| 5110 | Payment processor fees | OPEX | 9,832.41 | — | Stripe 2.9% + $0.30, 1,184 txns |
| 2310 | Deferred revenue (current) | — | — | 128,420.00 | April recognition, 47 annual contracts |
| 4010 | SaaS subscription revenue | RECURRING | — | 312,418.00 | Monthly + annual recognised April |
| 2310 | Deferred revenue (current) | — | 128,420.00 | — | Reclassified from balance sheet |
| 4010 | SaaS subscription revenue | RECURRING | — | 9,832.41 | Gross-up for Stripe fees |
| 1110 | Stripe receivable clearing | — | — | 8,124.00 | Settlement May 2 |
| TOTALS | 458,794.41 | 458,794.41 | ● BALANCED · ΔUSD 0.00 | ||
BANK RECONCILIATION · MERCURY OPERATING (•••4218) · period 2026-04-01 → 2026-04-30 · REC-2026-04-MAY
Status: ● RECONCILED · ΔUSD 0.00
— PER BOOKS (QUICKBOOKS GL 1010)
- Beginning balance · 2026-04-01
- 412,847.32
- (+) Deposits · 1,184 txns
- + 318,420.00
- (−) Withdrawals · 247 txns
- − 244,054.48
- Ending per books · 2026-04-30
- 487,212.84
— PER BANK (MERCURY STATEMENT)
- Beginning balance · 2026-04-01
- 412,847.32
- (+) Credits
- + 318,420.00
- (−) Debits
- − 243,963.20
- Ending per bank · 2026-04-30
- 487,304.12
— RECONCILING ITEMS
| Date | Type | Description | Amount | Status |
|---|---|---|---|---|
| 2026-04-29 | Outstanding check | Check #1042 — rent deposit refund (landlord) | 91.28 | ● PENDING CLEAR |
Per bank 487,304.12 − outstanding check 91.28 = 487,212.84 = per books 487,212.84
ΔUSD 0.00 · ✓ RECONCILED
— 06 / TOOLS IT TOUCHES
— INTEGRATIONS
Read the bank, write the GL, never move money alone.
Banks are read-only via Plaid / direct API. Wires + ACH are always approved by you in your bank's UI. The Cyborg literally cannot send money — it doesn't hold the credentials.
QQuickBooks Onlinegl:rw · admin:no
XXerogl:rw · admin:no
NNetSuitegl:rw · journals:rw
MMercury / Brex / Rampread:r · move:human-only
SStripe / PayPal / Wisepayouts:r · refunds:gated
BBill.com / Tipaltidraft:rw · pay:approved
AAvalara / TaxJarcalc:r · file:human-only
GGusto / Deel (payroll)runs:r · changes:gated
— 07 / PRICING
— FLAT MONTHLY · NO PER-TRANSACTION FEE
3 tiers. No "per-transaction" fee.
Unlimited transactions, unlimited reconciliations. Cheaper than a junior bookkeeper, more reliable than 4 of them.
$599/month
Daily reconciliation, AR / AP, expense reports, 1 GL system. Up to $5M ARR. Best for seed / pre-Series-A.
- 1 GL + 3 bank / card feeds
- Daily bank reconciliation
- AR dunning + AP scheduling
- Expense report processing
- Monthly close in 5 days
- 1 jurisdiction (UK or US)
$999/month
Full accounting + monthly close in 3 days + multi-currency + tax filing prep. Up to $25M ARR.
- 1 GL + unlimited feeds
- Multi-currency (FX revaluation)
- Monthly close in 3 days
- Revenue recognition (ASC 606 / IFRS 15)
- VAT / GST / sales tax prep
- 13-week cash forecast
- CPA hand-off package
- Quarterly review with A'nil
$1,599/month
Multi-entity consolidation. Audit prep. Investor reporting. SOX-ready controls. Up to $100M ARR.
- Multi-entity consolidation
- Intercompany eliminations
- Annual audit prep package
- Investor + board reporting
- SOX-ready segregation of duties
- R&D tax credit prep (UK / US)
- Dedicated
#books-leadchannel
14-DAY EVALUATION · 30-DAY MONEY-BACK · MONTH-TO-MONTH · UNLIMITED TRANSACTIONS · See full pricing →
— 08 / ONBOARDING
— DAY 1 → DAY 7
Sign Monday, first reconciliation Friday.
- DAY 0
You sign
Contract + DPA + region pick (EU / US). You add Cyborg as user (not admin) on QuickBooks/Xero, read-only on banks via Plaid, draft-only on Bill.com.
- DAY 1
Kickoff (90 min)
Founder + CPA + Cyborg. Chart of accounts walkthrough, revenue rec policy, expense policy thresholds, vendor list, escalation rules, who signs what.
- DAY 2-3
Historical learning
Cyborg ingests last 12 months of GL: transaction patterns, vendor categorisation, recurring journal entries, period-end accruals, tax mappings. Writes "what I learned + 7 things I'd flag" memo.
- DAY 4
Shadow mode
For 24-48 hours, Cyborg drafts every reconciliation, journal, AP entry into
#books-drafts. Bookkeeper / founder approve with one tap. Zero auto-posts. - DAY 5
First autonomous reconciliation
One bank account goes live. Cyborg reconciles it nightly. CPA audits the next morning. If clean for 3 days, second account goes live, etc.
- DAY 6-7
Full live mode
All feeds reconciled nightly. Journals auto-posted. AP / AR running. T3 wires + T4 tax filings still gated. First monthly close together with founder + CPA.
— 09 / FAQ
— FOUNDER + CPA QUESTIONS
Sawaal jo har CFO & CPA poochta hai.
Can it move money? What if it makes a mistake on a wire?
It cannot. By design, the Cyborg doesn't hold your bank credentials. It can draft wires + ACH + payment runs, but every single one is approved by you in your bank's own UI (Mercury, Brex, your business bank). If Cyborg drafts a $4,210 vendor wire and it should've been $4,120, you see it in Mercury before clicking "send" — same as today, but the draft was prepared in 30 seconds instead of 30 minutes.
Can it file my tax return autonomously?
No. Tax filings are T4-protected: VAT returns, GST, corporate tax, year-end statutory accounts — all require your CPA to sign + file. Cyborg preps the file (so well that CPA reviews in 14 minutes, not 4 hours), but the actual submit is human. We've engineered it so Cyborg literally cannot click "submit" on HMRC / IRS / equivalent portals.
Will my CPA / accountant lose their job?
Honestly — no, the role shifts. Your bookkeeper (the per-hour person doing data entry + reconciliation) is mostly replaced — that's the $400-600/month bill that disappears. Your CPA is more valuable than ever: they review well-prepared books in 14 minutes instead of fixing 4 hours of bookkeeper errors. Most of our customers keep their CPA + drop the bookkeeper / outsourced accounting firm.
What if it miscategorises a transaction?
Confidence-gated. Match-confidence ≥98% auto-cleared (these are routine: "Mercury → AWS → COGS:Hosting" with 12 months of history). Below 98% queued for human in #books-review — usually 5-15 transactions per day on a Series-A. Year-end audit error rate across our customer base: 0.02% of transactions, 100% caught at monthly close before books lock.
What about audit trail? Can I prove who did what?
Every journal entry, reconciliation, AP draft, AR action is logged with timestamp + actor (cyborg-cfi-009 / your-CPA / founder) + source data + confidence score. SOC 2 + SOX-ready audit trail. When auditors ask "who posted JE-2026-04-1842?" the answer is one query — with full lineage back to the underlying Stripe API call.
Multi-currency, multi-entity — can it handle a UK Ltd + US C-corp + India Pvt Ltd?
Yes — that's exactly the Controller tier ($1,599). Each entity has its own Cyborg session with its own GL + bank feeds + tax jurisdiction. Intercompany transactions auto-reconciled (UK invoices US for shared services, etc.). FX revaluation at month-end per IFRS 21 / ASC 830. Consolidation P&L + balance sheet generated in 4 hours.
Can I lose access to my books if I cancel?
Never. Your QuickBooks / Xero / NetSuite is yours — we never own the GL. On cancellation, Cyborg's user is deactivated, your books continue exactly as they are, you keep every journal entry + reconciliation + audit trail. Optional 30-day grace period to swap to a human bookkeeper. Your data, always.