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AI Accounting Platform

Cognexa AI

12 specialised AI agents for Australian accounting, built into Xero with ATO compliance baked in. Human-approved, never autonomous.

AI agents
12 specialised
Setup time
Under 60s
Autonomous decisions
0 (human-approved)
Compliance
AU-first
Audit trail
100% coverage
Xero integration
Deep, 50+ APIs

A live SaaS that processes invoices, reconciles bank transactions, prepares your BAS, chases receivables, and closes the books, all inside Xero. Built for Australian tax law, GST rules, and ATO compliance, with every action streamed live and explicitly approved by a human.

The problem

Why this exists.

Australian accounting is full of compliance tripwires (GST, BAS, ABN, STP Phase 2, super, FBT, Modern Awards, ABA banking) that off-the-shelf tools handle inconsistently and force teams to bolt together a stack of point solutions. Most "AI accounting" products are either US-centric (no BAS, no Modern Awards, no STP) or fully autonomous, which CFOs and auditors will not accept on financial data.

  • § 01

    AU compliance is a maze

    BAS, GST, STP Phase 2, super, FBT, Modern Awards, ABA banking files: every quarter is a fire drill. Generic SaaS forces add-ons or manual workarounds for each.

  • § 02

    AI accounting tools are mostly US-centric

    They do not know Australian tax codes, Modern Awards, ABA bank file format, or PAYG. Australian businesses end up paying for features that do not apply.

  • § 03

    CFOs and auditors reject autonomous AI

    Financial data needs every action explainable, reversible, and approved. Black-box AI fails the audit smell test on day one.

  • § 04

    Invoice processing eats junior bookkeepers

    Extracting fields, matching to Xero, validating ABNs, GST checks: hours per day on work AI vision can do in 30 seconds with 95%+ accuracy.

What is built

Working software, not slides.

Each item below is in the codebase today. The full architecture and code walkthrough is available under NDA.

  • 12 production AI agents covering AP invoices, batch payments + ABA files, bank reconciliation, BAS & GST compliance, accounts receivable, financial reporting, month-end close, expense management, payroll (STP Phase 2), audit prep, multi-entity consolidation, and purchase orders.
  • Deep Xero integration (50+ Xero API surfaces), OAuth 2.0, read-write, no passwords stored.
  • Live ABN validation against the ATO Australian Business Register on every supplier.
  • BAS pre-lodgement audit covering all labels (1A, 1B, G1 to G20), supplier ABN bulk verification, input tax credit eligibility checks.
  • ABA (Australian Bankers Association) file generation compatible with CBA, ANZ, Westpac, NAB, and all major Australian banks.
  • STP Phase 2 compliance, super guarantee tracking (11.5%), Modern Award interpretation, leave balance management.
  • Multi-entity consolidation with intercompany elimination and currency translation for NZ/global entities.
  • Human-in-the-loop on every critical action: zero autonomous decisions on financial data.
  • Real-time streaming UI showing every agent extract, validate, and match step.
  • Mission Control dashboard with central activity feed, scheduled recurring runs, and per-organisation tracking.
  • Multi-tenant architecture with per-user encrypted OAuth tokens and isolated Xero connections.
  • Tamper-evident audit log written to both database and Xero invoice history notes, exportable as evidence pack for BAS agents and external auditors.
  • Data sovereignty: financial data processed in-session, never used to train AI models.
Modules

The product in parts.

Where the codebase is decomposed into shippable feature modules.

  • AP Invoice Processing

    PDF/image to Xero in 30 seconds. AI vision extracts every field, validates ABN live, runs fraud + duplicate detection, matches to Xero contacts and accounts.

  • Batch Payments & ABA Files

    Bulk invoice selection, ABA file generation in Direct Entry format, payment tracking, full audit trail per payment.

  • Bank Reconciliation

    AI confidence scoring per match, plain-English explanations, learns approval patterns, handles partial and split transactions.

  • BAS & GST Compliance

    Pre-lodgement scan, full label calculation (1A, 1B, G1-G20), GST coding validation, ABN bulk verification, exportable audit report.

  • Accounts Receivable & Collections

    Debtor ageing analysis, payment risk scoring, AI-drafted follow-up emails, cash flow forecasting.

  • Financial Reporting & Analysis

    Natural-language queries on live Xero data. P&L, Balance Sheet, Cash Flow, KPI tracking, budget vs actuals.

  • Month-End Close

    Automated checklists for AU accounting standards. Prepayment, accrual, and depreciation journals. Balance validation and variance analysis.

  • Expense Management

    Receipt OCR, auto-categorisation, GST input tax credit optimisation, FBT flagging, policy compliance, ledger sync.

  • Payroll Assistant

    Pay run preparation, STP Phase 2 compliance, super guarantee tracking, Modern Award interpretation, leave balance management.

  • Audit Preparation

    Anomaly detection, statistical sampling, substantive testing, audit trail review, exportable evidence pack.

  • Multi-Entity Consolidation

    Multi-org aggregation, intercompany elimination, consolidated P&L and Balance Sheet, currency translation.

  • Purchase Orders

    PO creation, three-way matching (PO/invoice/receipt), supplier performance tracking, spend analysis.

Target market

Who buys this.

Australian businesses across sole traders, small business, startups, scale-ups, accounting firms, bookkeepers, NFPs, construction and trades, professional services, retail/eCommerce, and property. Anyone running on Xero who wants AI-powered accounting that respects ATO rules and demands human approval.

Pricing model

How it monetises.

Free to try, no credit card, cancel anytime. Subscription model for active use, with discounts for accounting firms and bookkeepers managing multiple Xero organisations.

  • Free trial

    Free

    Every new user

    No credit card required. Setup in under 60 seconds. Connect Xero, run any of the 12 agents.

  • Subscription

    On request

    Active customers

    Per-organisation subscription. Pricing confirmed during onboarding.

Traction

Where it is today.

Validation signals, in plain language. Detailed numbers under NDA.

  • Live SaaS, fully production-ready
  • Trading entity registered in Australia (details under NDA)
  • Live customer testimonials (Sydney, Melbourne, Brisbane)
  • Approved Xero OAuth application with read-write scopes
  • ATO Australian Business Register integration live
  • ABA banking file generation compatible with all major AU banks
Technical stack

The tools in play.

  • Xero OAuth 2.0 (50+ APIs)
  • AI vision (95%+ accuracy)
  • ATO ABR validation
  • ABA banking file generation
  • Multi-tenant
  • Encrypted OAuth tokens
  • Real-time streaming UI
  • Tamper-evident audit log

Live, fully production-ready SaaS held in an Australian trading entity. Full IP, codebase, brand, approved Xero OAuth application, multi-tenant database, and conversion-tested marketing site. Entity details available under NDA.

What's included

The full transfer package.

Acquisition transfers everything below. Investment unlocks the same access for due diligence: code walkthrough, financial pack, customer/user list, and architecture briefing under NDA.

  • Full source code with complete git history.
  • Live production SaaS with active users and customer testimonials (book transferred under NDA).
  • Australian trading entity transfer assistance (entity details disclosed under NDA).
  • Approved Xero OAuth application (preserves verification and scopes).
  • ATO Australian Business Register integration pipeline.
  • ABA banking file generation pipeline (compatible with CBA, ANZ, Westpac, NAB, and all major AU banks).
  • All 12 AI agent codebases, prompts, and orchestration logic.
  • Multi-tenant production database with per-user encrypted OAuth tokens and isolated Xero connections.
  • Marketing site with live testimonials, conversion funnel, and ATO-compliance content.
  • Brand assets, domain, DNS, and email infrastructure.
  • Tamper-evident audit logging system (DB + Xero history notes).
  • All architecture, API, and operational documentation.
  • Vendor account migration support (Xero developer console, AI provider accounts, hosting, ATO ABR).
  • 30 to 90 day transition with founder, including OAuth migration, customer comms, and ATO compliance handover.
  • Full IP rights, including code copyright and the Cognexa AI brand.
Deal shape

Open to the following.

Anything outside this list is a no for now.

  • Open to investment
  • Open to acquisition
  • Open to partnership
Take the next step

Ready to talk?

Email lands directly with me. I reply within 24 hours, send an NDA, and book a 30-minute call. From there: data room, code walkthrough, and a structured term discussion.

Invest Now Acquire Now Book an intro call

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