Description
LayerNext is an AI bookkeeping platform built as a fully autonomous AI CFO, continuously categorizing transactions, reconciling accounts, and closing books in real time rather than waiting for a manual month-end process. It uses a multi-agent financial intelligence engine that also generates cash-flow forecasts, burn-rate analysis, and runway projections, aimed at giving founders and small business teams the level of visibility that previously required a full finance department. Every agent action requires human approval, with a full audit trail logging each step.
Key Features
- Continuous AI bookkeeping: Categorizes transactions and reconciles accounts in real time, not just at month-end.
- CFO Insights: Cash-flow forecasts, burn-rate analysis, and runway projections generated automatically.
- Automated bank reconciliation: Matches transactions against bank feeds without manual review for standard cases.
- Human-approval workflow: Every agent action requires human sign-off, with a full audit trail.
- No rip-and-replace deployment: Works alongside existing ERPs like Epicor Eagle, Sage, Microsoft Dynamics, and QuickBooks Desktop.
- Exception handling: Reads invoices, validates them, matches to purchase orders, and flags mismatches before they become overpayments.
How It Works
An invoice arrives, and LayerNext’s agent reads it, validates it, matches it against the relevant purchase order, and handles routine exceptions before posting it to the connected ERP and reconciling the entry, all without an IT project or system migration. For small businesses on QuickBooks, LayerNext offers self-serve AI bookkeeping directly, continuously categorizing transactions and generating real-time dashboards instead of a once-a-month close. Every step an agent takes requires human approval before it’s finalized, and the full audit trail logs each action so a finance team can review exactly what happened and why. CFO-level insights, including cash-flow forecasts and runway projections, are generated automatically from the same continuously updated data.
Technical Architecture & Overview
- Core Engine: A multi-agent financial intelligence engine that continuously categorizes, reconciles, and closes books rather than a single batch-processing model.
- Deployment: Cloud-based platform designed for mid-market distributors on existing ERPs (Epicor Eagle, Sage, Microsoft Dynamics, QuickBooks Desktop) as well as self-serve small business use on QuickBooks.
- API Surface: Integrates directly with existing accounting and ERP systems rather than requiring a rip-and-replace migration.
- Known Limits: Starter and Pro tiers cap monthly transactions (100 and 500 respectively), with overage billed at $0.40 per extra transaction on Pro.
Pros & Cons
| Pros | Cons |
|---|---|
| Predictable, published pricing starting at $79/month, unlike many competitors requiring a custom quote. | Starter plan caps at just 100 transactions a month, which small but active businesses can exceed quickly. |
| Continuous, real-time bookkeeping eliminates the traditional month-end close crunch. | Overage on Pro is billed per extra transaction at $0.40 each, which can add up for high-volume months. |
| Every agent action requires human approval, keeping accountability clear despite the automation. | As a newer entrant, it has a shorter track record than established players like QuickBooks or Xero. |
| No rip-and-replace required; works alongside existing ERPs like Sage, Dynamics, and Epicor Eagle. | CFO Insights, the deeper forecasting layer, requires stepping up to the Pro plan. |
Pricing
| Plan | Price |
|---|---|
| Starter | $79/month (100 transactions, 10 insights) |
| Pro | $299/month (500 transactions, 50 insights, CFO Insights) |
Platform Availability
Web
Best For
Solo operators and small businesses wanting automatic categorization without hiring a bookkeeper | Mid-market distributors wanting AI invoice-to-close automation on their existing ERP
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Also in Accounting and Bookkeeping: QuickBooks Online, cloud accounting with new AI agents | Xero, cloud accounting with unlimited users | Zeni, AI bookkeeping with a dedicated finance team | Botkeeper, AI bookkeeping automation for accounting firms | Dext, receipt and invoice automation | Nanonets, AI document data extraction | Numeric, AI-powered financial close automation | FloQast, close management and reconciliation | Docyt, AI bookkeeping for multi-location businesses | Karbon, practice management for accounting firms | Basis, agentic AI accounting for CPA firms
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Frequently Asked Questions
How much does LayerNext cost?
The Starter plan is $79/month with 100 transactions and 10 insights, while Pro is $299/month with 500 transactions, 50 insights, and CFO Insights, according to LayerNext’s official pricing page.
Does LayerNext replace my existing ERP?
No, LayerNext is designed to work alongside existing ERPs like Epicor Eagle, Sage, Microsoft Dynamics, and QuickBooks Desktop without a rip-and-replace migration, according to LayerNext’s official site.
Does LayerNext require human approval for its AI actions?
Yes, every agent action requires human approval, with a full audit trail logging each step, according to LayerNext’s official site.
What happens if I exceed my monthly transaction limit?
On the Pro plan, extra transactions beyond the 500 included are billed at $0.40 each, according to LayerNext’s official pricing page.
What are CFO Insights?
CFO Insights are cash-flow forecasts, burn-rate analysis, and runway projections generated automatically from a business’s continuously updated financial data, available on the Pro plan.
