AR-TI-FI · AI-OPERATED · CPA-VALIDATED · CLOSED BETA · END OF MAY 2026

Accounting infrastructure
for the AI-operated era.

The ledger is the product. Country logic ships as open Plugins. The work happens inside Claude — agents execute, accountants validate.

Talk to our services team →Run it yourself in ClaudeFor accounting firms →
cohort onboarding·tallinn · new york·hello@ar-ti-fi.com
BUILT · SHIPPED · LIVE
46
Transaction types · multi-entity · multi-currency ledger · audit-trailed · 397 schema migrations on disk
12
First-party Plugins shipped · MIT · forkable per firm and per client · payroll · VAT · close · fixed assets · onboarding
52
Skills shipped · plugin commands · agent skills · finance role specs · all forkable on Claude and Cursor
67%
Hala.ai cost reduction · live customer · dogfooding the platform on real books
AI-OPERATED · CPA-VALIDATED

You used to have two options. Now there's a third.

For thirty years, your options for finance have been hire people or buy software. Both expensive. Both slow to scale. Neither runs while you sleep — and both leave you doing more management than you signed up for.

01

Agents do the work

Bank import, classification, posting, reconciliation, payroll math, VAT calculations, accruals, allocations, close steps, intercompany. All automated. All running inside Claude. Most of your books post themselves — overnight, on schedule, or on demand.

02

CPAs validate

Our accountants review every agent posting before it lands in your statutory books. They handle judgement — capex vs opex, unusual transactions, period close. Real qualifications. Real accountability. Every entry has a name attached.

03

You supervise the outcome

You don't manage agents. You don't manage accountants. You answer two questions a week and sign the close. Audit any line back to its source — agent, CPA, timestamp, decision.

This is why our services cost a fraction of a traditional firm. We're not paying accountants to post journal entries. We're paying them to judge. Agents do the volume. Humans do the work that requires being human.

ARCHITECTURE

Three layers. Read them. Fork them.

Not nine modules. Not a feature grid. The product is three layers and the seam between them is open. If you have ever read a Plaid doc or a Stripe API reference, this will look familiar.

L1 · LEDGER

The boring part.

Double-entry, multi-entity, multi-currency, audit-trailed. PostgreSQL. Period locking, posting profiles, dimensions. This is the surface every Plugin and every agent posts against.

SCHEMA46 transaction types · 7-year retention
ENTITIESMulti-entity · IFRS / GAAP-ready
TRAILEvery row: who, what, when, source, agent
SURFACEAdmin UI when you need it · ignored when you don't
L2 · PLUGINSTHE PRODUCT

The product.

Everything that traditionally lives in separate tools — accounting, expenses, billing, time, payroll, close, VAT, FP&A. All Plugins on one ledger. The integration problem disappears because there is nothing to integrate.

CATALOG12 first-party · accounting · expenses · billing · time · payroll · VAT · FP&A roadmap Q3
LICENSEOpen · forkable per-firm · per-client
EDITINGRead like markdown · run like code
RUN ONClaude · Cursor · CLI · CI
L3 · SURFACES & AGENTS

The room you pick.

Where the work actually happens. Claude.ai for finance ops. Cursor for plugin editing. MCP for legacy tools. Artifacts in any surface. Managed Agents for recurring work that hand off to each other without humans in the loop.

SURFACESClaude · Cursor · MCP · Excel artifacts
AGENTSBank · Bills · Reconciliation · Master Data · Config
HANDOFFSDirect request/callback · no central queue
SCHEDULESCron · webhook · email-triggered
// Plugins customers and firms write are theirs. The ledger and runtime are ours. No vendor lock-in on logic.
Browse the catalog →
STACK COLLAPSE

One ledger replaces six tools.
And the team that operates the seams.

When the ledger is open and the logic is code, the perimeters between these categories dissolve. They existed because six companies needed six perimeters to defend.

You currently pay for
Replaced by · one AR-TI-FI instance
QuickBooks / Xero / NetSuite
ledger
Expensify / Pleo / Brex
expenses
Stripe Billing / Chargebee
billing & revenue recognition
Harvest / Toggl / Clockify
time
Pigment / Cube / spreadsheets
FP&A
Numeric / FloQast / BlackLine
close & reconciliation

Plus the controller, bookkeeper, AP specialist, and half-time FP&A analyst you'd hire to operate the seams between them. The headcount is the line item that doesn't show up on most pricing comparisons — but it's where the real spend is.

HOW YOU BUY THIS

Three doors. Pick the one that fits.

Door 01 — Done-for-you

We run your finance function on AR-TI-FI.

The operating model above. Agents do the work, our CPAs validate, you supervise. Bookkeeping, month-end close, payroll, VAT, statutory filings, FP&A. A controller-grade finance team without the headcount.

  • Cohort engagements · scoped per entity
  • 2-week onboarding · documented playbook
  • Baltics + Nordics · serving from Tallinn
See done-for-you services →
Door 02 — Run it yourself

Operate AR-TI-FI directly inside Claude.

For technical founders and finance teams. Full ledger, all Plugins, agents, MCP bridge into existing tools. Bring your accountant — they get a validator role with full access.

  • Self-serve · pricing finalised on request
  • All Plugins MIT · forkable · open source
  • Bring your own accountant · validator role
See plugins →
Door 03 — For accounting firmsQ3 2026

Operate AR-TI-FI for your client book.

Wholesale pricing, plugin forking per client, MCP bridge into existing client systems. Cohort onboarding — we document the playbook with you.

  • Wholesale rates · cohort onboarding · Q3 2026
  • Plugin authoring · co-built playbook
  • No exclusivity — multi-firm channel
See firm onboarding →
CONNECTORS · NO RIP-AND-REPLACE

You don't have to throw out QuickBooks to try this.

An Arfiti connector syncs your books — QuickBooks, Xero, Merit, and the rest — into Arfiti's ledger. From there, Claude, Cursor, and any MCP-compatible tool see one unified book of record with your existing data already loaded.

QuickBooks stays where it is. Arfiti runs on top — plugins, agents, and an AI-native interface — without asking you to move the system you already trust.

“Firms don't switch ledgers. They route work.”

How your data reaches Claude
AI CLIENTS — WHERE YOU TALK
ClaudeCursorChatGPTWindsurf
MCP
ARFITI — MCP SERVER + LEDGER
One unified book — your synced data plus Arfiti plugins, agents, and skills running on top.
SYNC ↑
ARFITI CONNECTORS — PULL & SYNC
Scheduled pulls. Encrypted credentials. Full history on first sync, deltas after.
YOUR EXISTING LEDGER — KEEP PARALLEL OR AS BACKUP
QuickBooksXeroMeritSmartAccounts
// Sync one system at a time · one client at a time
AGENTS · DIRECT HANDOFF · NO CENTRAL QUEUE

Agents that hand work to each other.

When the Bank Transaction Processor finds a payment it can't classify, it asks the Master Data Agent to create the missing vendor. When that completes, a callback re-runs the Bank Processor. Agents handle the routine handoffs. Humans gate the controls that matter — opening fiscal periods, posting large adjustments, signing filings — and every gate is wired into the same trace.

L · 0142s · incl. 7s human approval

Bank-import chain

BTP → unknown IBAN → MDA · auto · low risk → no fiscal period → CFG asks → controller approves → CFG executes → BTP re-runs · 100% match.

SHOWN ON RIGHT →
L · 0218 minutes

Chasing-bills loop

Recon → unmatched payment → Collector emails vendor → reply → Bill Processor posts → Recon closes the loop.

L · 031.4 seconds + monthly

Prepaid pipeline

Bill Proc → MDA creates contract → callback → Bill Proc creates 13-line schedule → Amortization recognizes monthly · controller signs the schedule.

RUN · BTP.SESSION.000041 · WISE-EUR-2025-10
● RESOLVED42.0s
BANK_STATEMENT
import
3 lines · €157.50 · Wise EUR
0.2s
BTP
bank tx processor · tier 1: memory · tier 2: haiku
4 calls · 5,997 tok · $0.0049
unknown vendor: notion
12.4s
MDA
master data agent · low-risk · auto
vendor created · ven_07d
callback queued
8.1s
BTP
resumes · finds no fiscal period
blocks · requests config
0.3s
CFG
configuration agent · control gate
proposes: open period · oct-2025
awaiting controller approval
1.2s
H
HUMAN
controller · maria k. · approval gate
approves · period oct-2025 · signed
audit trail attached
6.8s
CFG
configuration agent · executes
period oct-2025 opened · ledger unlocked
callback queued
1.2s
BTP
callback · helpers complete · re-run
3 / 3 lines posted · 100% match
11.8s
L1 LEDGER
3 journal entries posted
PAY000051 · PAY000052 · FEE000038
// agents pass work direct · humans gate controls1 controller approval · 2 callbacks resumed · agents handled the rest
CLOSED BETA · WAITLIST · END OF MAY 2026

Join the closed beta waitlist.

We'll email when we open onboarding slots. Tell us a paragraph about your finance function — entities, current stack, what's painful — so we can match you to the right cohort.

no spam · we read every signup