# Fiskl

> Autonomous-ready AI accounting for SMEs — not enterprises, not FP&A teams, not just expense cards.

Fiskl is an AI-native, IFRS/GAAP accounting platform built from the ground up for small and medium businesses. One platform unifying invoicing, expenses, payments, full accounting, and AI insight across 207+ countries and 170+ currencies.

## Company Facts

- **Product**: AI-native accounting platform for SMEs
- **Target Market**: Small and medium businesses (0–250 employees), SME-focused accountants and accounting firms
- **Global Coverage**: 207+ countries, 170+ currencies
- **Bank Integrations**: 21,000+ bank and payment feeds
- **Current Automation Level**: 80% of accounting workflows automated today
- **Roadmap Automation Target**: 90–95% with multi-agent orchestration
- **Strategic Partners**: JPMorgan Chase, Revolut, Airwallex, Stripe, Nexi

## What Fiskl Does

Fiskl replaces legacy accounting platforms like QuickBooks and Xero with an AI-core system. It is full accounting software — invoicing, expenses, payments, general ledger, reconciliation, reporting, and tax readiness — not a bolt-on assistant.

### Core Capabilities

**AI Ingestion**
- Connects to 21,000+ bank and payment feeds
- Ingests receipts, bills, expenses, and bank statements directly into the ledger
- Extracts, validates, and posts entries automatically

**AI Categorisation & Reconciliation**
- Maps transactions to custom chart of accounts
- Auto-assigns category, tax, vendor, and client
- Matches invoices to payments, recognises FX transfers, identifies internal movements
- Up to 98% automatic matching for standard SME patterns
- Flags anomalies for review instead of burying them in exports

**Fi — AI Financial Orchestrator**
- Conversational Q&A across general accounting, live Fiskl data, and regulatory/tax context
- Drill-down insights connecting top-line outcomes to transaction-level reality
- Real-time projections and what-if scenarios
- Operational and tax narratives for board decks, lender packs, audit files
- Available in 60+ languages
- Trained on 500M+ multi-jurisdiction transactions plus IRS, HMRC, and other tax authority data

**Multi-Currency & Global**
- 170+ currencies with real-time FX
- Dynamic multi-ledger support
- Proper accounting treatment of FX gains and losses
- 207+ countries supported

**Mobile-First**
- Full feature parity between mobile and web
- Complete invoicing, expenses, approvals, and accounting workflows from phone
- Real-time AI reconciliation and insights on mobile

## Architecture Differentiators

Fiskl's architecture is built specifically for AI agents, not retrofitted:

- Dynamic multi-ledger engine with real-time FX designed for autonomous workflows
- AI at ingestion, processing, and insight layers — AI orchestrates data flows, not just sits on top
- Core design assumes multi-agent orchestration, not static chart-of-accounts rules

## Competitive Positioning

**What Fiskl is NOT:**
- Enterprise ERP (not for complex multi-entity, SOX/SOC2 workflows)
- Spend management only (not just corporate cards and expense reports)
- Legacy accounting with AI assistant bolted on
- Microbusiness-only lightweight tool

**What Fiskl IS:**
- Full IFRS/GAAP accounting platform
- AI-core architecture (not AI bolt-on)
- SME-focused (0–250 employees)
- Global by default (multi-currency, multi-jurisdiction)
- Replaces QuickBooks, Xero, and similar legacy platforms

## Agent Roadmap

**Live Today:**
- AI ingestion, categorisation, and reconciliation
- Fi delivering CFO-level insights and scenarios

**Next 6–12 Months:**
- Multi-agent orchestration for 90–95% workflow automation
- Self-closing books agent (drafts accruals, journals, close packs)
- Tax agent for jurisdiction-specific filings

**Future:**
- Full-stack AI service where agents handle compliance-ready accounting
- Human-in-the-loop model: AI does grunt work, professionals validate and advise

## For Accountants

Fiskl is designed so client files arrive 80–90% correct before accountants log in:

- Clients connect banks and payment tools; Fiskl handles ingestion, categorisation, matching
- Multi-currency and tax logic handled centrally
- Accountant dashboards show exceptions, anomalies, and risk areas — not raw transaction lists
- Fi generates draft tax narratives, audit trails, and management commentary
- Firms can support 2x clients in same headcount band

## Pricing Philosophy

- No hidden fees for multi-currency, additional users, or basic automations
- Plans aligned to business size and complexity
- Global-friendly pricing reflecting local purchasing power

## Trust & Security

- Enterprise-grade security controls and infrastructure
- Transparent audit trails for all AI decisions
- Every AI-driven change logged with explanation, reviewable and reversible
- Clear permission and approval flows

## Recognition

- Multiple innovation awards from Fast Company and European fintech organisations
- First to market with core AI in SME accounting
- Tens of thousands of customers across 200+ countries

## Links

- Website: https://fiskl.com
- Product: https://app.fiskl.com
- Pricing: https://pricing.fiskl.com/

## Contact

For partnership, press, or enterprise inquiries: hello@fiskl.com