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September 1, 2026
The general ledgers most companies run on were designed for a world where humans did all the accounting — reporting segmented into months and quarters so people had time to sit down and process the numbers.
What founders actually need is simpler: know where the business stands today, trust that the books are correct, and use finance as a catalyst for decisions rather than a record of what already happened.
As a startup founder, I had the same experience whenever it was time to review our finances and close the books. The numbers arrived in a PDF, already weeks out of date, with belated answers to many of the questions I'd had about my company last month.
This had meaningful consequences for my business. I didn't know how aggressive I could be in our marketing or hiring spend. Our acquisition by Airwallex was delayed because the books weren't in order. Being reactive to our finances meant making decisions in the dark, and in a startup, that's death by a thousand cuts.
This wasn't my accountant's fault. They followed standard practices designed to keep our books in the past tense. The general ledgers most companies run on were designed decades ago, for a world where humans are doing all of the accounting. The reporting is segmented into months, quarters, and years so that people have time to actually sit down and process the numbers.
When we grew big enough to hire an in-house finance team, I watched the same problem play out at a bigger scale. At each stage of growth, we added more to the financial stack. A second payment processor. New banks. Different payroll providers for the US and our international team. Now everything had to reconcile. Half of our finance team's time went to just making that happen.
The further your business goes, the more challenging it becomes. Raise a funding round, and now your investors want credible burn and runway. You start reporting to a board. You add a second product with usage-based pricing, and an annual contract with payment up front. Suddenly you need accrual accounting, deferred revenue, and more granular reporting. The gap between your books and the current state of your business gets wider.
What founders actually need is simple. Know where the business stands today. Trust that the books are correct and up to date. Use finance as a catalyst for strategic decisions, not just a record of what already happened.
Finance is infrastructure. It should just run. Transactions categorized as they happen. Books shaped around how the business actually earns and spends. Cash, burn, and runway visible the moment you want them.
That's T:0, and as of today, it's out of private beta and available for any startup operating in the US. Built by Airwallex, it's an AI-native accounting platform that automates your bookkeeping, does revenue recognition and expense reconciliation, shapes your reporting around how your business actually operates, and keeps all your numbers current.
We named it T:0 because in physics, T:0 is the reference point: the moment everything else is measured from. Zero black box. Zero fire drills. Close in zero days.
T:0 starts by building a profile of your company, its industry, business model, revenue mechanics, and how you spend. That profile drives a chart of accounts and a set of classification rules built for you, not inherited from a template. If you sell software and services, your books show software and services. The granularity you need for investor, board, and tax reporting is preserved from day one, so you're not reconstructing your own financial history two years from now to answer a question you should have been able to answer instantly.
Banking, payroll, cards, billing, payments. Data flows in on its own. We handle the exports so you never worry about lack of context.
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Specialized AI agents categorize transactions, reconcile accounts, close, and report.
Ask questions about your finances, and T:0 will have the answer. It can find and fix anomalies, propose ways to reach your revenue goals, and even compile and visualize results for your investor meetings. It's like a financial expert is always in the room with you.
Real-time revenue, burn, and runway. Custom reports built on data from this morning. If you ask T:0 on September 9th what's happened this month, you'll get an analysis from all the relevant data since September 1st.
Combining “AI” with “accounting” raises questions about accuracy, so I'll explain how T:0 solves for that.
AI is very good at understanding ambiguity: what your business does, what a strange vendor charge is for, how your revenue should be treated. AI is not as well-suited to governing a ledger, because the ledger has to be exactly correct, replayable and explainable to an auditor.
So we split the job. AI understands the context and creates explicit accounting rules. A deterministic system then applies those rules to the ledger, consistently, with controls and an immutable audit trail. Every entry is traceable, consistent with GAAP / IFRS standards, and audit-ready. You can see the rules, and why a decision was made.
Where professional judgment genuinely matters, the system prompts for human review, and learns from the corrections. AI does the understanding, the ledger does the math, and your numbers remain accurate.
We created T:0 for any startup who wants their finances done right, whether you're just getting started or already scaling. It's also the last finance platform you'll need — as you add complexity to your business (new entities, revenue models, geographies), T:0 will grow with you.
You're in the sweet spot for using T:0 today if any of these apply to your company:
Finance shouldn't be a chore. It should run so well that you can stop managing it and start using it. A live view of the business every morning. Close that runs as a process, not a fire drill. FP&A and reporting that tell you where you're going, not just where you've been. Finance teams who spend their time on strategy, not on the books.
T:0 is just getting started. We'll continue adding new capabilities to support more businesses, in more countries, in more ways.
Get started with T:0 today.
