Compared
Orla vs T:0.
T:0 keeps a startup's GAAP books and sells a CPA with them. Orla runs everything before the accountant, and the month leaves as files.
Prices and claims below checked on 13 September 2026, on t0.ai and its pricing page; T:0 left private beta on 1 September 2026.
Side by side
What each one is, and what it costs.
The honest version, including the rows where they win.
| Orla | T:0 | |
|---|---|---|
| What it isIn one sentence | The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting | AI bookkeeping for US startups, built by Airwallex. Four agents keep the books; on the two managed plans a CPA certifies the monthly close. |
| PriceTheir pricing page, this month | Free forever; Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call | Platform $199 a month; managed bookkeeping from $599; with tax from $749, each extra state $49; CFO services on request. No free tier, and Get started leads to a request form |
| Who can sign upIn their own words | A company anywhere, and the people in it, in four languages | “Any startup operating in the US”; the agreement says “you must be a business entity” |
| The booksWhat the ledger is | A cash ledger with categories and account codes, a month that closes with a fingerprint, a journal export for Xero and QuickBooks; no double entry, no chart of accounts, and nothing is filed anywhere | Double entry, a chart of accounts built from your web profile, revenue recognition, a continuous close; a CPA-certified close on the managed plans |
| Moving moneyPayouts, bills, cards | Payout batches up to 200 rows, approval thresholds and a quorum, cards with a ceiling, supplier bills; nothing leaves without a person's signature | None on the product: connections are read only, and paying is what the Airwallex account beside it is for |
| CryptoExchanges and wallets | First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins | Not in the product; the agreement asks you to disclose virtual currency and takes no liability for it |
| AgentsWhose | Your own agent by key or MCP, with roles, daily caps and a wallet of its own; an assistant that answers from the same rows and acts one press at a time | Four agents of theirs inside the product: Accountant, Scout, CFO, Integrator; no API or MCP published for yours |
| A human in the planWhere they win | None, and none planned; an accountant seat for yours | A dedicated CPA from $599 a month; federal filing and one state included from $749 a month |
Fair is fair
When T:0 is the right choice.
A comparison you can trust has to be able to say this.
- You are a US startup with investors, and the board wants GAAP books with a CPA-certified close.
- You want the tax return filed for you, federal and state, by the same company that keeps the books.
- All your money is in US banks and platforms, and nothing needs to leave the books as a payment.
Where Orla is different
Everything that happens before the accountant gets the month.
If any of this is your week, the comparison decides itself.
- Contractors paid in batches with a threshold and a quorum, cards with a ceiling per person, supplier bills paid from the same screen they arrived on.
- A contractor who takes USDC, an exchange balance, a wallet: priced by the minute it moved and taxed like the rest.
- An agent of your own, Claude or a script, with a role, a daily cap and a wallet, never a signature.
- A company outside the United States, or a founder who wants to start today without a call.
Questions
The questions the table does not answer.
Is Orla accounting software like T:0?
No, and it says so. T:0 keeps double-entry GAAP books with a chart of accounts and a CPA-certified close. Orla is a cash ledger with categories and account codes that closes a month with a fingerprint and exports a journal for Xero or QuickBooks, and the accounting itself stays with the accountant you already have.
Does Orla file taxes the way T:0 does?
No. T:0's managed plans file federal and one state for you. Orla keeps VAT periods and a tax centre as worksheets, with PDF and CSV for the person who files. Orla sends nothing to any tax authority, in any country.
Can a company outside the United States use either?
T:0 says it is for startups operating in the US and its agreement requires a business entity. Orla takes a company anywhere, connects banks through open banking in Europe, the UK and the US, and runs in English, Spanish, Portuguese and Russian.
Which one moves the money?
Orla. Payout batches with a threshold and a quorum, supplier bills, cards with a ceiling, payouts in stablecoins, and nothing leaves without a person's signature. T:0's connections are read only; paying is what an Airwallex account beside it is for.
Other comparisons
Start free, and hand the accountant a month, not a login.
The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.
Or compare against Fuelfinance →- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm that holds money and files; Orla holds neither and hands the month to your accountant.
- Moving off Midday →
- Midday is winding down; Orla reads its whole export, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Copilot Money →
- Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books.
Thirty minutes: we connect an account, drop a real bill in, and close a month together.