Working notes on
AI-native finance.

The right answer is not one model. It is a routing table: Opus for judgment and first-time workflow design, Sonnet for close mechanics and reporting, Haiku for high-volume document triage, and deterministic code for every number.

Most 'Claude integration' questions in finance are really four different questions: can it read, can it write, who approves, and what happens on the 3rd of the month. Here's how to tell which of your tools clear each bar.

Estonia's accounting stack is unusually good at filing and unusually thin above it. Here's what actually changes when you put an AI layer on top of Merit, Directo, Business Central or NetSuite, and how to evaluate one without buying a demo.