Six AI agents handle the work a bookkeeper used to. The genuinely ambiguous edges are surfaced for you to approve — never posted silently. Books stay current — without you sitting down to do them.
While you slept, Ledgers categorised every new transaction, matched bills to bank payments, flagged anything ambiguous, and posted clean journal entries. By 6:00 AM you have one email and one paragraph. That's your morning ritual.
Categorisation Agent walks every new bank transaction. Confidence ≥ 90% with no audit flags → auto-committed to the ledger. Anything ambiguous lands in your triage queue.
Reconciliation Agent compares bank balances to the books. Writes a signed certificate per account. Any drift > tolerance creates an alert.
Three sentences of plain English: what happened, what needs you, what's coming up. Pushed to email + WhatsApp. Cron never costs you tokens — the briefing is deterministic.
Each agent has a single job and a single mode of failure. They hand work to each other through an explicit audit trail — every action is logged with its inputs, outputs, model, confidence, and cost. You can see exactly what happened to every transaction.
What: Looks at every new bank transaction and proposes a category, an account code, a counterparty, and a VAT treatment.
When: Runs on every new transaction within seconds of bank sync.
Guard rail: Confidence ≥ 0.9 + no open audit flags → auto-commit. Otherwise → review queue.
What: Reads your bulk-accept patterns and proposes rules. ‘You always file Uber as Travel — should I do that automatically?’
When: On every bulk-accept event + nightly pattern scan.
Guard rail: Rules require explicit acceptance before they take effect. Never silently.
What: Looks at the whole ledger for anomalies — duplicate payments, missing receipts, suspicious round-number JEs, period-lock violations.
When: Daily at 03:00. Findings land as audit alerts.
Guard rail: Severity-banded: blockers stop auto-commit; watches surface in the briefing; info goes to /admin/health.
What: Composes your dashboard. Picks which widgets matter this week based on what changed in your business.
When: Recomputes on every business-profile save + nightly.
Guard rail: User can pin/hide/replace anything. Your dashboard is yours.
What: Reads receipts, bills, and statements with Claude vision. Extracts supplier, date, totals, VAT, line items.
When: On every receipt photo + Gmail/Drive sync.
Guard rail: Low-confidence extractions don't auto-create bills — they wait for your review.
What: The careful one. Posts the double-entry journal that backs every decision. Never posts unbalanced. Never posts into a locked period.
When: On every approve / sign-off / payment event.
Guard rail: Period-lock + balance check before every insert. Refuses ambiguous postings.
High-confidence entries post automatically, each with a logged reason. The genuinely ambiguous ones — roughly 1% — and every VAT return are surfaced to you to approve, never posted silently. When you sign off the live close, it's frozen into an immutable, cryptographically signed snapshot (SHA-256 hash over the period totals + your approval + timestamp) — no month-end ritual to wait for.
You can trace every decision back to a reason. You can share a public Trust Receipt that proves your books were reconciled and signed for any month — and hand a clean set to your own accountant for year-end.
See how trust works →Most UK SMEs cobble together 4–6 tools. Ledgers is the bookkeeping AND the tools they wrapped around it.
Connect a bank in 60 seconds. Watch the agents categorise your last 30 days. Decide if it's for you.
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