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Notes from building an AI-native accounting firm. Every entry turns on one number.
97.4%of transactions categorized without a bookkeeper
Latest entry · Inside the ledger · September 2026
Automating the ledger
Rules settle 75.3% of bank transactions. Two frontier LLMs got 57.8% of the rest right, behind a lookup table. A ranker trained on our own ledger gets 89.5% of them categorized without a bookkeeper. What changed, and what it took.
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Automating the ledgerRules settle 75.3% of bank transactions. Two frontier LLMs got 57.8% of the rest right, behind a lookup table. A ranker trained on our own ledger gets 89.5% of them categorized without a bookkeeper. What changed, and what it took.97.4%of transactions categorized without a bookkeeperThe multi-currency ledger, honestlyA £782.54 Stripe balance sat in a client's books as $782.54. How we tag every transaction in its native currency, and the transfer that would not match.£782.54booked as $782.54, for a yearWhen the bank sends the same transaction twiceA card purchase arrives as a pending hold, then again as a settled charge with a new id. Where bank feeds duplicate, and how one purchase stays one entry.$40 to $48one dinner, delivered twiceWhy your Stripe payouts don't match your revenueA $1,000 Stripe charge lands in your bank as $970.70. How we book gross, fee and net so revenue and cash reconcile, and the double-count when you don't.$970.70what a $1,000 charge leaves in the bankFor founders
The zero-human company still has to fileA C-corp with no employees owes about ten filings a year. What agents can run, what a licensed CPA still signs, and how an agent reads your books through Vecty's MCP server.0employees, and still about ten deadlines a year that carry a penaltyWhat a fast month-end close needs from the founderThe checklist version of a fast close lists what the bookkeeper does. This is the other half: the four things that stall a close and what each needs from you.4things only the founder can doThe tax calendar for a Delaware C-corp, by monthTen dates a calendar-year Delaware C-corp cannot miss, in order, with what each requires and which ones move when you file an extension.10dates a year that carry a penaltyWhat your Delaware franchise tax actually costsThe notice says $85,165. The real bill is usually $400. Both numbers come from Delaware; which one you pay depends on a form you fill in yourself.$400not the $85,165 on the noticeCash vs accrual for a seed-stage startupCash books say what happened to your money; accrual books say what happened to your business. When they diverge, what switching changes, and where we stand.$120,000one December, or twelve months of $10,0009 entriesBalanced