The Ultimate Financial Intelligence Engine
Stop managing your company across disconnected accounting, payroll, tax, and HR platforms — and stop paying a team to reconcile the gaps between them. Aeion Finance is a comprehensive double-entry financial operating system: one ledger that automates bank reconciliation via AI, runs payroll with NACHA direct deposit, generates W-2 / W-3 / 941 / 940 / 1099 / ACA tax forms plus IRS FIRE/MeF e-file packages, compiles SEC XBRL EDGAR filings, depreciates assets via straight-line / declining-balance / MACRS, and runs the full HR recruit pipeline — background checks via Checkr / Sterling / GoodHire, AI screening, video interviews, job-board syndication, COBRA, PTO accrual — all in the same database as everything else.
Replaces Your Disconnected Stack
A Mathematically Perfect Operating System
Built around an immutable, double-entry ledger that guarantees auditability and prevents fraud.
Immutable Ledger Core
The mathematical foundation. Every transaction posts as balanced double-entry (Debit = Credit). Once posted, entries cannot be deleted or modified — corrections require explicit reversing journal entries. This guarantees forensic compliance for auditors and prevents fraud.
The AI CFO Assistant
An executive command center that actively advises on corporate strategy.
Predictive Cash Flow
The Forecasting Engine blends AR/AP aging data with historical trends to generate interactive cash flow projections and runway analysis. Detects accelerating/decelerating burn rate trends.
Active Advisory
The system monitors liquidity in real-time. Advisory prompts surface when working capital dips: _"Runway is healthy at 14 months, but 3 overdue invoices total $14k. Should I draft payment reminders?"_
Late Fee Automation
Configurable penalty schedules — flat fee, percentage, or tiered — apply to overdue AR invoices automatically, so collections policy is enforced consistently instead of depending on which AR clerk happens to handle a given account.
Recurring Invoice Processing
Subscription billing, retainers, and milestone-based invoices generate themselves on schedule, so a forgotten manual invoice never turns into a forgotten month of revenue.
What's in the Box — Finance Capabilities by Area
Ledger & Accounting
Immutable double-entry ledger, multi-currency (160+), chart-of-accounts management, fiscal-period close lifecycle, year-end close automation, journal-entry gatekeeper, transaction categorization
Reporting
P&L, Balance Sheet, Cash Flow Statement, Statement of Equity, comparative period reporting, segment reporting, executive + HR dashboards, scheduled report email delivery, PDF / Excel / CSV / XBRL export
Tax Compliance
W-2, W-3, 941, 940, 1099-MISC, 1099-NEC, 1099-K, ACA forms. IRS FIRE/MeF-format e-file packaging. State-specific form generation. Print-ready PDF rendering. Direct agency transmission via Avalara / Sovos / direct adapter (rolling out)
Payroll
NACHA ACH direct-deposit file generation, itemized paystubs with YTD, PTO accrual + carryover, overtime / night-differential / weekend-premium, COBRA continuation coverage, workers-comp insurance + claim reporting
Bank Reconciliation
Plaid Link integration with 15,000+ banks, AI-powered transaction matching, multi-candidate confidence scoring, AI bank transaction categorization
AR / AP
Invoice rendering with branding, automated invoice email delivery, dunning + aging reports, late-fee automation (flat / percentage / tiered), recurring invoice processing, 3-way match on AP, vendor portal with 1099 distribution
HR Recruit
Job-board syndication to the 4 major boards (LinkedIn / Indeed / Glassdoor / ZipRecruiter) via adapter pattern (honest-noop fallback), AI screening with skill-vector candidate matching, structured video interviews with AI scoring, background checks via Checkr / Sterling / GoodHire, offer-letter generation with DocuSign / HelloSign e-signature, time-to-hire / source-of-hire analytics
HR Ops
Employee portal (paystubs / PTO requests / W-4 / benefits), employee directory with org chart, performance reviews + 360 feedback, onboarding workflows (I-9 / W-4 / benefits election), HR reporting (headcount / turnover / DEI / compensation)
Asset Management
Straight-line, declining-balance, and MACRS depreciation. Auto-generated journal entries on period close. Book value, accumulated depreciation, disposal-event tracking
Compliance
Immutable audit trail with signed events, GDPR DSR handling + right-to-erasure cascade, per-collection retention policy enforcement, at-rest PII encryption with key rotation, regulatory compliance rules
AI & Automation
AI receipt OCR (vendor / date / total / tax / line items), AI bank reconciliation, AI candidate screening, AI transaction categorization, predictive cash-flow forecasting with runway analysis, active advisory prompts
Integrations
Plaid (bank feeds), Checkr / Sterling / GoodHire (background checks), DocuSign / HelloSign (e-signature), iCal / Google Calendar export, LinkedIn / Indeed / Glassdoor / ZipRecruiter
A back office that doesn't need a reconciliation week.
Aeion Finance consolidates the ERP, payroll, and tax-compliance tools many finance teams run separately into one platform, with Plaid pulling bank feeds automatically and AI-powered multi-candidate matching handling reconciliation. Because payroll, the Production module, and the General Ledger share the same database, department-level spend posts to budget variance reporting the instant it's recorded — no separate sync step required.
Immutable Double-Entry Ledger
AI Receipt OCR
Plaid Bank Integration
Native XBRL/EDGAR Export
SOC 2 Type II ready (audit motion in flight)
160+ Currencies Supported
NACHA Direct Deposit
Ships `aeion-finance-manager` AeionClaw skill
Backed by Aeion Aegis (backup + PITR + time-travel)
Native data import via Aeion Singularity
AI features powered by Aeion Neural Bus
Compare Aeion Finance
Honest comparisons against the incumbents — when to switch, when to stay.
vs QuickBooks
The most common upgrade trigger. When you've outgrown QBO Advanced's 25-user limit or need multi-entity / RBAC / immutable audit trail — but don't want to pay NetSuite's $50K+/yr. ↗
vs Xero
US-specific gaps in Xero — native US payroll, W-2/W-3/941/940/1099/ACA tax form generation, NACHA direct deposit, multi-entity consolidation. Honest "where Xero wins" included. ↗
vs NetSuite
When NetSuite's per-user + module-by-module pricing has compounded past your needs. Multi-entity, multi-currency consolidation, intercompany — at flat-tier pricing. ↗
By Operating Model
Five common shapes — pick the one closest to yours.
SaaS Finance
MRR/ARR/NDR/GRR + ASC 606 deferred revenue + cohort retention + investor updates. Same DB as billing + CRM. ↗
E-Commerce Accounting
Multi-channel reconciliation (Shopify + Amazon + own store) + inventory + COGS + marketplace facilitator + multi-state tax. ↗
Agency Billing
T&M + fixed-fee + retainer; time tracking → WIP → AR; per-project profitability; AR aging + dunning. ↗
Startup Controller
5-day close + cash + runway + 409A support + board deck automation at $99/mo Pro tier. ↗
Multi-Entity
Parent + subsidiaries + multi-currency consolidation + intercompany + transfer pricing — without paying NetSuite OneWorld. ↗
Connect Your Stack
Plug into the rest of your operating world. Same-database for the parts inside Aeion; API + webhooks for the rest.
Stripe
Webhook-driven AR settlement + ASC 606 deferred revenue + refund + dispute + payout reconciliation. ↗
Plaid
15,000+ banks, encrypted token storage, AI categorization, multi-candidate reconciliation. ↗
Mercury
Mercury API or Plaid fallback; treasury yield + IO API + multi-entity holdco patterns. ↗
Avalara
Destination-based US sales tax + CertCapture + nexus tracking + Returns filing. ↗
QuickBooks Migration
4-week migration playbook with penny-perfect trial balance. ↗
Xero Migration
3-4 weeks; multi-currency + tracking-category preserved. ↗
NetSuite Migration
8-16 week downsize playbook; SuiteScript → Blueprint translation. ↗
Go Deeper
Architecture + security + the full services catalog for solution architects and integration engineers.
Architecture
System map + journal-entry service contract + subsystem detail + event flow. ↗
Services Catalog
Every service across 8 subsystems enumerated with file paths. ↗
Security
Immutable double-entry + RBAC + SoD + signed audit + audit retention up to 7 years (Enterprise) + SOC 2/SOX/GDPR mappings. ↗
Pricing
Flat-tier costs vs QBO+Gusto+Avalara+Track1099 per-employee stack ($17.6K → $1.2K/yr at 50 employees). ↗
Tech Specs
Deeper technical detail on the ledger, OCR, Plaid integration, XBRL compiler. ↗
Frequently Asked Questions
Native multi-currency at the journal-entry level. Each entry can have line items in different currencies; reporting currency conversion uses point-in-time FX rates (close-of-day for most operations, real-time for trading). Unrealized FX gain/loss revaluation cron runs nightly; realized FX on settlement.
Yes — Singularity connectors for QuickBooks Online + Desktop (via IIF), Xero, NetSuite, Sage Intacct, FreshBooks. Bidirectional sync or one-way mirror modes. Common pattern: keep QuickBooks for tax filing while running Aeion Finance as the operational + management ledger.
Connect business bank accounts via Plaid OAuth; transactions auto-pull nightly; categorization via AI + rule overrides. Reconciliation surfaces unmatched transactions on the dashboard; one-click match against journal entries. ACH initiation through Plaid Transfer for vendor payments.
Yes — balance sheet, P&L, cash flow, equity statements per US GAAP or IFRS. Per-jurisdiction chart-of-accounts templates. SEC Form 10-K / 10-Q output for public companies; EDGAR XBRL export native. Statutory IFRS reporting in 25+ countries.
Invoice OCR auto-extracts vendor, amount, due date, line items from PDF / email. Approval workflow routes per spend threshold; payment scheduling against cash-flow forecasts; AR aging dashboard with auto-reminder cadence. Stripe Invoicing + ACH integration for outbound collections.
Driver-based forecasting — set assumptions (growth rate, hire plan, gross margin), the engine projects P&L + cash + headcount 36 months forward. Scenario comparison (best case / base case / worst case) side-by-side. Variance analysis (actual vs forecast) surfaces drift each close cycle.
Ready to achieve financial perfection?
Eliminate reconciliation errors, automate payroll, and unify your back office.