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.
A Mathematically Perfect Operating System
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.
AI Receipt OCR
Vision AI extracts vendor name, date, total, tax, and line items from receipt images. Extracted data flows directly into the AP workflow — upload a photo, create a bill, post to the ledger. Works seamlessly with the Production module's Art Department receipts.
Plaid Bank Feeds
Connect 15,000+ banks via Plaid Link. Transactions import automatically and are auto-matched to GL entries using confidence scoring and multi-candidate analysis.
Automated Bank Reconciliation
AI-powered semantic matching reconciles bank statements against the ledger automatically. Identifies outstanding deposits, checks, and discrepancies. Generates a clear reconciliation summary showing exactly when an account is fully reconciled.
Native Payroll Engine
Full tax calculation (federal, state, local), garnishments, benefit deductions, NACHA direct-deposit file generation. Posts atomic GL entries for gross wages, tax liabilities, and 401k deductions in a single transaction.
Tax Compliance & Forms
Multi-jurisdiction sales and payroll tax computation. Produces W-2, W-3, 941, 940, 1099-MISC, 1099-NEC, 1099-K, and ACA forms, plus IRS FIRE/MeF-format e-file packages ready for submission. (Direct agency transmission rides an Avalara / Sovos / direct e-file adapter — rolling out.)
XBRL SEC Filing
Compiles US-GAAP 2025 taxonomy mappings into EDGAR-compliant XBRL XML. CFOs visually map GL balances to XBRL tags and generate machine-readable SEC filings on demand.
Smart Contract Forge
Generate audited, OpenZeppelin-style Solidity smart-contract source — today this emits an escrow contract template (conditional release of funds), export-ready for on-chain settlement. (On-chain deployment to Ethereum is handled by your own deploy pipeline; Aeion generates the contract source. Parameterized payroll/wage-disbursement templates are on the roadmap.)
Financial Reporting Engine
Generate P&L, Balance Sheet, Cash Flow Statement, and Statement of Equity — plus comparative-period and segment reporting — the moment your CFO needs them, not three days after someone manually rebuilds them in Excel. Export to PDF, Excel, CSV, or XBRL with template support, and a period-close lifecycle with posting cutoffs and adjusting entries keeps last month's numbers from quietly shifting after the books are supposedly closed.
Paystubs & Differentials
Itemized paystubs track year-to-date totals and multi-jurisdiction tax breakdowns automatically, so an employee working across state lines never gets a paystub that doesn't add up. PTO accrual schedules honor carryover policies and holiday calendars, overtime / night-differential / weekend-premium pay computes itself instead of being calculated by hand, and NACHA ACH direct-deposit files generate ready for your banking partner.
HR Recruit Suite
Full ATS pipeline natively integrated with the ledger and payroll — so a new hire's offer letter, background check, and first paycheck all trace back to the same record instead of three disconnected systems. Background-check orchestration via Checkr / Sterling / GoodHire, AI screening that ranks candidates against job requirements, job-board syndication to the 4 major boards (LinkedIn / Indeed / Glassdoor / ZipRecruiter), structured video interviews with AI scoring, and offer-letter generation with DocuSign / HelloSign e-signature carry a candidate from application to onboarding without a single spreadsheet in between. Skill-vector matching and recruit analytics (time-to-hire / source-of-hire / funnel) show you what's actually working.
Self-Service Portals
Employees check their own paystubs, request PTO, update W-4s, and enroll in benefits without opening a ticket with HR. Vendors submit invoices, check payment status, and pull their own 1099 without emailing your AP team — self-service that actually removes work from your staff's plate, not just a login page that redirects to the same email thread.
Asset Depreciation
Straight-line, declining-balance, and MACRS depreciation schedules run themselves — journal entries generate automatically on every accounting-period close, and book value, accumulated depreciation, and disposal events stay tracked without a controller maintaining a side spreadsheet that slowly drifts from the ledger.
Accounts Receivable + AP
Full quote-to-cash and procure-to-pay cycles run through the same ledger, with 3-way match on AP bills catching a mismatched PO/receipt/invoice before it's paid, and dunning + aging reports on AR chasing down what's overdue before it becomes a bad-debt write-off. Invoice rendering with your branding and tax breakdown, automated delivery, and payment reminders go out without AR staff sending them by hand — and a double-entry-enforcing gatekeeper on every journal posting means an out-of-balance entry simply can't post.
Year-End Close Engine
Year-end close runs itself instead of consuming your controller's December — adjusting entries, closing temporary accounts, generating closing balances, locking the period, and rolling balances forward all execute in the same sequence every year, with nothing depending on institutional memory of "how we did it last time."
GDPR + Compliance
A right-to-erasure cascade reaches across finance and HR data together, so a GDPR deletion request doesn't get honored in the ledger while leaving orphaned records sitting in payroll. Per-collection retention-policy enforcement, a signed audit-event writer for compliance evidence, and at-rest PII encryption with key rotation mean the evidence an auditor asks for already exists — it doesn't get assembled after the request lands.
The AI CFO Assistant
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
Compare Aeion Finance
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
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
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
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.