Announcing o11's backing from Y Combinator.

# AI for Xero

AI that runs the books inside Xero.

- Enter bills from PDFs and email without retyping.
- Dedupe contacts and align tracking categories.

## Dashboard

### Acme Holdings

Reconcile - Business Checking - 1234Chase  
Bank balance: $87,492.40  
Xero balance: $84,210.20  
Difference: $3,282.20

| Date   | Bank statement         | Spent     | Received   | Action | Xero match                         | 
|--------|------------------------|-----------|------------|--------|------------------------------------| 
| 4/12   | Stripe Payout          | $32.00    | $4,820.00  | OK     | INV-1042 (Helix Capital) — $4,820 ✓ | 
| 4/11   | Office Supplies Co     | $342.18   | —          | Create | No suggestion — needs categorization | 
| 4/10   | Bank Fee               | $34.50    | —          | Create | Account: 6750 - Bank Fees          | 
| 4/10   | Customer.io            | $1,200.00 | —          | Create | No suggestion                       | 
| 4/09   | ACH from Northwind     | —         | $12,400.00 | OK     | INV-1038 (Northwind) — $12,400 ✓  |

### Bank reconciliation

Match the Stripe payout to invoice INV-1042.

## o11 for Xero: an AI agent layer for the books

o11 is an AI execution layer that runs inside Xero. The agent enters bills, reconciles bank feeds, generates sales invoices, and dedupes contacts — without sending an advisor into a side spreadsheet to retype what is already in a vendor email.

If you have searched for **AI for Xero**, a **Xero AI agent**, or an **alternative to Just Ask Xero** for actual workflow execution, the question is simple: does the AI answer in chat or do the bookkeeping.

## What teams use o11 for in Xero

- **Bill entry.** Pull bills from PDFs, photos, and email forwards directly into Xero with the right account and tax codes.
- **Bank reconciliation.** Match feed items to bills and invoices, and clean up suggested matches that the rule engine misses.
- **Sales invoice generation.** Draft and send invoices from project, contract, and timesheet context.
- **Contact dedupe.** Merge duplicate contacts and align tracking categories across orgs.

## Why o11 differs from Xero-native AI

Just Ask Xero and the inline AI features focus on natural-language answers and small drafting tasks. They explain the books, but the bill, the rec line, and the invoice still end with a human clicking through screens. o11 posts and reconciles. The chat is the control surface, Xero is where the work lands.

## Built for teams that live across systems

Xero is one part of a much larger SMB stack — usually paired with a bank, a payments processor, an inbox of vendor PDFs, and shared drives. o11 is positioned to act across all of them. A vendor PDF becomes a coded bill, a paid bill becomes a matched feed line, and a clean trial balance lands in a drive without the advisor stitching tools together by hand.

## Where Xero teams typically start with o11

- **Bookkeepers and advisors** with bill entry and bank rec.
- **Owner-operators** with invoicing and AR chase.
- **Outsourced finance teams** with multi-org month-end work.
- **Controllers** with consolidated reporting across Xero orgs.

## How o11 respects Xero permissions

The agent operates with the user’s own role within each Xero org. User roles, two-step authentication, and audit logs apply exactly the way they do in the UI. Nothing is bypassed. That is what makes o11 deployable for advisor firms and finance teams that cannot trust a tool that runs as a single over-privileged organisation user.

## FAQ

**Does it handle GST and VAT?**  
Yes. Tax codes follow your existing Xero configuration.

**Multiple orgs?**  
Each org is isolated; permissions follow the user.