AI accounting and bookkeeping for fintech companies
Fintech accounting.
Every account reconciled.
Battle-tested on 1,000+ companies' books.
Zeni is an accounting firm too. More than 250 of our own accountants, bookkeepers and controllers use this platform every day to close the books for 1,000+ customers, with more than $20 billion in finances processed.¹
Zeni connects your banks, cards, payroll and payment accounts, and our team manages the AI agents and reviews the work. With other AI accounting tools, keeping the agents working is your job.
Every account reconciled
Bank, card and payment accounts reconciled before month-end, with the statement balance and the books' balance side by side.
Payouts and fees, coded
Stripe and PayPal payouts, processor fees and refunds coded with the AI's reasoning attached.
Support for every number
Receipts matched to transactions and close tasks with owners, so diligence requests start from organized books.
Security built in
Zeni is SOC 2 certified, and approval rules keep separation of duties in place.
An AI Accountant for the books.
An AI CFO for the answers.
The AI Accountant reconciles every account. The AI CFO turns the books into answers.
Connect your stack. Get closed books.
Zeni's AI and finance team handle the work in between. You review the numbers and ask the questions.
Connect your stack
Banks, cards and payroll, plus Stripe, PayPal and Mercury for the AI CFO. Your Zeni team handles the setup.
Books stay current
The AI Accountant codes and reconciles transactions as they land.
Zeni closes the books
Zeni's finance team reviews the AI's work and closes the month.
Answers for the board
Ask the AI CFO about burn, runway and processor fees from closed books.
What is fintech accounting?
Fintech accounting is bookkeeping and financial reporting for companies that build financial products. It usually means reconciling many bank, processor and settlement accounts, tracking processor fees and refunds, keeping company revenue and expenses clearly separated from money moving through the platform, and reporting burn and runway to investors.
Every entry comes with its reasoning.
Each AI suggestion arrives with its reasoning and confidence. Approval rules keep separation of duties, schedules wait for sign-off, and nothing changes in a closed period, so diligence questions have answers.
AI CFO · answers from live booksA fintech CFO between board meetings.
Zeni's AI CFO answers questions on burn, runway, revenue and processor fees from your live books, shows how every number was calculated, and builds a 13-week cash forecast.²
Your fintech month-end close, in one workspace.
Thought process on every AI callCoded, with the reasoning attached.
Every payout, processor fee and refund gets a category, class and vendor, plus an explanation of how the AI decided.
Explore transactions →
Prepaid schedule drafted, waiting on your approvalSchedules waiting for sign-off.
Prepaid, fixed-asset and accrual schedules are proposed against your capitalization threshold and post only after approval.
Explore month-end close →
Receipt matched to its charge, on the recordReceipts matched.
Missing receipts are flagged and matched automatically when they're forwarded or uploaded.
Explore receipts →
AI CFO explains the spike: up 167% from SeptemberFlux before you ask.
Month-over-month variances by vendor, category and class, with an AI summary of what changed.
Explore month-end close →
Found 3 statement transactions missing from the booksEvery account reconciled.
Bank and card accounts are reconciled to statements, with missing transactions flagged and entries suggested.
Explore reconciliation →
Every close task has an owner, a due date and time trackedClose tasks with owners.
Assign owners, priorities and due dates to every close task, so you see who owns what while the month is open.
Explore month-end close →Run more of your fintech finance work in one place.
Fractional CFO support
Add fractional CFO support for budgets, board decks and fundraising when you need it.
Commenting
Comment on any transaction, @mention a teammate and keep the answer on the record.
Explore commenting →What fintech founders ask. What the AI CFO answers.
Built for the people who run fintech finance.
Your team, plus an AI Accountant and AI CFOFintech founders and CEOs
Founders who need investor-ready numbers without a full finance team.
- Burn and runway any day of the month
- Every account reconciled monthly
- Diligence-ready records
Finance leads and controllers
Finance leads who own the close and want the transactional work done first.
- Close tasks with owners and due dates
- Approval rules and separation of duties
- Flux and reconciliations drafted for review
Move money. Keep the books right.
See the AI Accountant and AI CFO on a fintech company's books.
Fintech accounting and AI bookkeeping FAQs.
- Zeni internal figures, October 2026.
- AI CFO is in beta and can make mistakes; check anything important against the books.
See how Zeni's AI bookkeeping and accounting software works for other teams like yours.
