“Can an AI-native, agent-driven ledger replace the traditional bookkeeping stack for startups and scale-ups?”
T:0 is an AI-native accounting product built inside Airwallex. Founder Lance Co Ting Keh joined Airwallex via its acquisition of OpenPay (subscription/billing) and now leads T:0, which operates through T0 Finance, LLC (a US Airwallex subsidiary at 188 Spear Street, San Francisco). The product positions itself as an autonomous finance team — Accountant, Scout, CFO, Integrator agents — that ingests data from a company's existing bank, card, payroll, and PSP stack and continuously closes the books.
T:0 processes payments through Stripe.
T:0 uses Airwallex for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 2 layers in T:0's stack: Payments / PSP (Stripe); FX & payouts (Airwallex).
T:0 was founded by Lance Co Ting Keh and is headquartered in San Francisco, CA, USA.
Get a read on where your own stack stands against T:0 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.