# AI agents for finance and accounting, the key numbers checked. AI for finance and accounting teams can take on the checking work of month-end. In Arclyx, Bank reconciler matches the bank to the ledger, KPI reporter compares the month with the last, and Finance desk hands both jobs out, builds a 30-day cash outlook and posts one summary. All three read your tables and change nothing. What lands in #finance, one example from each agent (placeholder companies): - **Finance desk · September close** (#finance): You, Reconciliation. Reconciled: 39 of 41 bank lines matched, 3 exceptions, closing balance $52,310.40. Two entries to post and one cheque outstanding. Checked against the bank and ledger tables. - **Bank reconciler · September close** (#finance): Vendor A, In bank, not in ledger. Card payment of $270.00 on 18 Sep, ref 4471, has no ledger entry. Suggested entry: debit an expense account, credit bank, $270.00. Pick the account from your chart of accounts. - **KPI reporter · September** (#leadership): You, Churned customers. 14 churned, up from 9 in August (+56%). Flagged against last month. Probable cause: new customers rose sharply in July, and newer accounts churn first. ## How can finance teams use AI agents? On the recurring work that needs checking, not judgement calls. One agent reconciles the bank, one reports the month's KPIs and one pulls month-end together. They work from CSV exports uploaded as tables, so there is no accounting integration to set up first. - [Finance desk](https://arclyx.ai/agents/finance-agent) (2nd of each month, 9:00; reads Tables; hands work to Bank reconciler and KPI reporter; posts to #finance): On the 2nd, one month-end summary: reconciliation, KPIs and a 30-day cash outlook, with invoices to chase, bills to pay and three decisions. - [Bank reconciler](https://arclyx.ai/agents/bank-reconciliation) (2nd of each month, 9:00; reads Tables; posts to #finance): Every bank line matched to the ledger, each exception explained with a suggested journal entry, and the reconciled balance. - [KPI reporter](https://arclyx.ai/agents/kpi-reporting) (1st working day, 8:00; reads Tables; posts to #leadership): On the first working day, each KPI against last month and the 3-month average, with every move over 10% flagged and a probable cause. ## How do the three agents work together? Finance desk runs the close and hands two parts to helper agents you add on its page. They work at the same time, each hands its result back, and Finance desk checks their key numbers against your tables before it writes the one summary. 1. **Finance desk starts**: On the 2nd of each month it finds your bank, ledger, KPI and cash tables. 2. **Two hand-offs**: Bank reconciler matches the bank to the ledger while KPI reporter compares the month. 3. **Cash, built and checked**: Finance desk builds the 30-day cash outlook and re-checks the helpers' totals. 4. **One summary**: Reconciliation, KPIs and cash in #finance, with what to chase, what to pay and three decisions. ## Is it safe to give an AI agent your financial data? These agents only read. They run read-only queries on the tables you upload, can't connect to your bank or accounting software, and can't post entries, pay bills or send invoices. Every run is recorded step by step, with a spend ceiling on by default. They can: - Read the tables you can access in Arclyx - Run read-only queries on them - Hand work to the helpers you add - Post one summary to Slack, or email it to you They can't: - Post or edit journal entries - Pay bills or send invoices - Connect to your bank or accounting software - Change your tables or fill in missing numbers - Email anyone but you [How Arclyx keeps agents inside their access](https://arclyx.ai/security) ## How do you use AI in finance? Start with the checks you repeat every month and give each one an agent. Here is a finance team's month-end on Arclyx: each step is the sentence that built an agent, then what it posted in Slack. Try it runs a new agent once as a dry run on your real tables first. 1. **The first working day, 8:00, KPI reporter** ([KPI reporter](https://arclyx.ai/agents/kpi-reporting)). The sentence that built it: "On the first working day of each month, compare last month's KPIs in our metrics table with the month before and the 3-month average, flag anything that moved more than 10%, and post a summary to #leadership." It posted to #leadership: KPI reporter · September. - You, Churned customers: 14 churned, up from 9 in August (+56%). Flagged against last month. Probable cause: new customers rose sharply in July, and newer accounts churn first. - You, Trial-to-paid: Conversion 14%, down from 18% (−22%). Flagged against last month and the 3-month average. Probable cause: it's why new customers fell 12%. 2. **The 2nd of the month, 9:00, Bank reconciler** ([Bank reconciler](https://arclyx.ai/agents/bank-reconciliation)). The sentence that built it: "On the 2nd of each month, reconcile last month's bank statement against the ledger in our tables, list every exception with a suggested journal entry, and post the reconciled balance to #finance." It posted to #finance: Bank reconciler · September close. - Vendor A, In bank, not in ledger: Card payment of $270.00 on 18 Sep, ref 4471, has no ledger entry. Suggested entry: debit an expense account, credit bank, $270.00. Pick the account from your chart of accounts. - Customer B, Amount differs: Deposit of $4,820.00 on 22 Sep. The ledger has $4,850.00 for INV-1042. A $30.00 gap. Check the remittance before posting the difference. 3. **The 2nd of the month, 9:02, Finance desk** ([Finance desk](https://arclyx.ai/agents/finance-agent)). The sentence that built it: "On the 2nd of each month, run our month-end: have Bank reconciler reconcile the bank and KPI reporter report the KPIs, build a 30-day cash outlook from our tables, check every number, and post one summary to #finance." It posted to #finance: Finance desk · September close. - You, Reconciliation: Reconciled: 39 of 41 bank lines matched, 3 exceptions, closing balance $52,310.40. Two entries to post and one cheque outstanding. Checked against the bank and ledger tables. - You, KPIs: MRR $84,200, up 3% on August. Churned customers up 56%. Churn is the one to watch. Figures checked against the metrics table. **Month-end closed and checked. Nothing changed in your books.** - The month's KPIs, in #leadership - The bank reconciled to the ledger, in #finance - One month-end summary with three decisions, in #finance [Create an agent from one sentence](https://arclyx.ai/product) ## AI for finance and accounting, answered. ### What are AI agents for finance and accounting? Software that takes a defined finance job, such as reconciling the bank or reporting the month's KPIs, works from your own data and reports back. In Arclyx each one reads your tables, checks its numbers with queries and posts one summary. ### Does it work with QuickBooks or Xero? Through exports, not a connection. Export the bank statement, ledger or metrics as CSV from QuickBooks, Xero, your bank or a spreadsheet, upload them to Arclyx, and each agent reads them as tables. ### Can an AI agent post journal entries or pay bills? No. Bank reconciler suggests each entry with the debit, the credit and the amount, and Finance desk lists the invoices to chase and the bills to pay. Posting, paying and chasing stay with you. ### How do they check the numbers? With queries on your tables, not a rough reading. Their instructions tell them to check each key number against the source tables, and to say so rather than invent an adjustment when something doesn't tie out. ### Is it suitable for a small business? Yes. It suits a small finance team, or a founder who does the books. Everything works from CSV exports, so there's no integration to set up before the first run. ## Where to go next - [AI for sales teams](https://arclyx.ai/solutions/sales): Prospects, meeting briefs and tenders worth a bid - [AI agents for business](https://arclyx.ai/agents): Every agent, grouped by team, with the tools each one reads - [Traces and cost](https://arclyx.ai/product/observability): Every step, every tool call and what each run cost - [Security](https://arclyx.ai/security): How an agent stays inside the access you give it Last updated 24 October 2026. ## Build your first finance agent. One sentence in, a working agent out. Join the beta and we'll set you up. Join at https://arclyx.ai/#join or write to hello@arclyx.ai.