Agentic copilot

A finance copilot that reads your ledger — not the internet.

Ask about cash, debtors, margins or a specific transaction and get an answer grounded in your actual data, with citations you can click through to verify.

The problem

Generic AI confidently invents financial answers. For a finance leader, an unsourced number is worse than none — you can't take it to the board, and you can't trust it to act.

How it works

1

Grounded in your data

The copilot answers from your ledger using purpose-built finance tools — not from a general model guessing at your business.

2

Every answer cites its source

Responses link back to the invoices, transactions or reconciliations behind them, so you can verify in one click.

3

Falls back honestly

If it can't answer from your data, it says so rather than inventing a figure.

What you get

Outcomes, not features.

  • Answers you can actually take to the board
  • Citations, not hallucinations
  • Faster investigation of anomalies and queries
  • Works with the model provider you configure

Questions

How is this different from ChatGPT?

It's grounded in your ledger through finance-specific tools and cites its sources. General chatbots have no access to your data and will guess.

Is my financial data used to train a model?

No. See the Trust centre for how data is handled and which sub-processors are involved.

Explore more

See it on your own numbers.

Start the trial, connect Xero in 15 minutes — or preview the live demo first.