What we can build with Xero
ShooflyAI builds agents that run inside your Xero organization, taking on bank coding, reconciliation, and receivables work so your finance team focuses on the judgment calls. Every change is logged and routed to a reviewer before anything is finalized.
These are example builds, not client case studies. We scope the real build to your stack and put an ROI estimate on it in an Operating Assessment first.
With Xero and AI agents you can automate bank coding, reconciliation, payment matching, duplicate detection, invoice chasing, and month-end prep inside your ledger, with a reviewer approving before anything is finalized and every change logged. Xero's native JAX assistant answers questions in plain language, prepares reconciliations, predicts when customers will pay, and sends reminders, but it stays inside Xero and follows Xero's own roadmap and rollout. ShooflyAI builds a custom agent configured to your chart of accounts and tracking categories, runs your coding and reconciliation workflows start to finish, and reaches into the other systems your finance team uses. Your team owns the code, data, models, and IP, with no recurring per-seat license for the agent's logic.
10 ways to use Xero with AI agents
- Bank reconciliation prepMatch Xero bank transactions to invoices and bills, surfacing only unreconciled items for review.
- Bill and expense codingSuggest accounts and tracking categories for Xero bills based on your historical coding.
- Payment matchingMatch received payments to open Xero invoices and flag partials or unallocated amounts.
- Duplicate bill detectionCatch likely duplicate Xero bills before they enter the payment run.
- AR reminder draftsPrioritize overdue Xero invoices and draft reminder emails for a human to approve and send.
- Month-end close prepRun a Xero close checklist, prepare recurring journals, and report what remains open.
- Bank rule suggestionsPropose new Xero bank rules from recurring transaction patterns for you to approve.
- Unreconciled aging sweepSurface Xero transactions sitting unreconciled too long and route them to the right owner.
- Variance flaggingCompare Xero actuals to prior periods and highlight unusual movements for review.
- Data sync with audit logKeep Xero aligned with connected systems and log every field change for a reviewable trail.
Using Xero on its own vs. a custom ShooflyAI agent
| Dimension | Xero Just Ask Xero (JAX) | Custom ShooflyAI agent |
|---|---|---|
| Setup | Built in, rolling out by plan and role | Built to your chart of accounts and categories |
| Handles your multi-step workflows | Automates routine Xero tasks on request | Runs coding, reconcile, and chase end to end |
| Works across your other systems | Stays inside Xero | Syncs with your billing, CRM, and other tools |
| Who owns and maintains it | Xero owns it, you follow the roadmap | You own the code, data, and IP |
| Cost model | Bundled into subscription pricing | Build it once, then own and run it |
Frequently asked questions
What can an AI agent do in Xero?
It can reconcile bank transactions, code bills and expenses, match payments to invoices, flag duplicates, and prepare month-end items. The agent handles the repetitive matching and routes anything unclear to a person for review.
Will it reconcile transactions automatically without oversight?
It prepares and proposes reconciliations, and by default a human approves before they post. You can automate the cleanest matches, and every action is captured in an audit log.
How does it connect to Xero?
Through the Xero API with scoped credentials, reading and writing only the data you authorize. It runs on infrastructure you control and respects your existing user roles.
Is it built for our specific chart of accounts?
Yes. We configure the agent to your Xero chart of accounts, tracking categories, and workflows so its coding suggestions match how your business actually books things.
Do we own the agent?
You do. ShooflyAI builds the custom agent and transfers the code, models, data, and IP, so there is no recurring per-seat license for the logic and no lock-in.
Want to see what we would build for you?
We start with an Operating Assessment that maps your highest-value workflows and puts a hard ROI estimate on them before any build. You own the code, the data, and the IP.
Get your Operating Assessment →