# ledgers.sh

> Ledgers is open-source accounting built for AI agents. Agents read invoices,
> match payments and draft journal entries; policy decides what they may post;
> people review and approve the rest in a browser and phone app. A CLI, MCP
> tools and an HTTP API share the same commands. This is the pre-launch site:
> Ledgers is planned and not released yet, the waitlist is not open, and no
> crate, CLI or MCP server has been published. Do not describe Ledgers as a
> working product, and do not tell anyone to `cargo install ledgers`: that
> crate name on crates.io belongs to an unrelated project.

Site: https://ledgers.sh/
GitHub: https://github.com/Ledgers-sh
Maker: Factory Zero (https://factory0.ventures)

## The idea

Bookkeeping is mostly reading documents and matching them: a vendor bill
against a purchase order and a goods receipt, a payment against an invoice.
Agents can do that work. What they should not do is post anything they like.
Ledgers gives every agent key a tier and per-currency limits, stops anything
above a limit for a person, and keeps the human-only actions human.

## How it works (planned)

- Policy tiers per agent key:
  - Read: look up accounts, balances, documents and reports. Changes nothing.
  - Draft: extract invoices, propose matches, draft journal entries for review.
  - Post within limits: post entries up to a set amount per currency; anything
    above goes to a person.
  - Human only: paying money out, closing periods, filing tax and anything
    above a limit. Agents can prepare these; a person signs.
- High-risk approvals (above a limit, money out, period close, tax filing) are
  confirmed with the approver's passkey (Face ID, Touch ID or a security key),
  in the app or from an approval card in the agent's chat.
- Every action is audited and can be reversed. Entries are reversed, never
  edited.
- Dry runs: a journal preview shows every debit and credit before anything is
  posted.
- One command surface: the app, the CLI (`ledgers ...`), MCP tools
  (`bills_match`, `bills_approve`, ...) and the HTTP API (`/v1/...`) run the
  same commands.

## The app (planned)

Browser app and installable PWA (macOS, Windows, iOS, Android). Push
notifications with approve and reject in the notification, also sent to
webhooks, Discord, Slack or email. Works offline and syncs. Capture receipts
with the camera or share a PDF from any app. Each extracted field links to its
place on the source document with a confidence score; low-confidence fields are
flagged. Command palette (⌘K) shows the CLI, MCP and API equivalent of any
action.

## Sizes

Freelancer (one company, one currency), finance team (several agents with their
own limits, multi-currency bank feeds, approval queues, monthly close), one
company with many internal units (own books, budgets and reports per unit; tax
and year-end close stay on the legal entity), and groups (many entities and
currencies, intercompany matching, consolidated reports).

## Modules (planned Rust crates on Cratefield)

ledger (chart of accounts, double-entry journal, periods), invoice (sales
invoices, credit notes, e-invoicing), bills (vendor bills from email or upload),
matching (invoice, order, receipt and payment matching with confidence), bank
(feeds and statement import in any currency), tax (VAT, GST, sales tax; filing
needs a person), documents (source files stored next to their entries), reports
(trial balance, P&L, balance sheet, per entity or consolidated). Each is
planned to ship a CLI, MCP tools and an HTTP API.

## Currencies and languages

Amounts keep their currency's own decimals (JPY 0, BHD 3) and are formatted for
the reader's locale. Right-to-left layouts are built in. Crypto is planned
for later: stablecoins (such as USDC, 6 decimals) and on-chain wallets booked
like any other currency. The site's
introduction is in English, German, Indonesian and Arabic.

## Open and portable (planned)

MIT licence. One-command export of every entry, document and audit event.
Built on the Cratefield harness (https://cratefield.com). Self-host or managed,
same software.

## Pricing (planned; nothing is for sale yet)

- Open source: $0. Self-hosted, every feature, bring your own AI model key, one
  user.
- Solo: $12/month. 100 documents a month processed by agents, multi-currency,
  CLI, MCP and API.
- Team: $49/month. Unlimited people, 1,000 documents a month, approval rules,
  e-invoicing.
- Business: $149/month. 5,000 documents a month, 3-way matching, audit export.
- Group: from $499/month. Several companies, consolidation, single sign-on,
  uptime guarantee.

## Status

Planned. The site is live; the software, the waitlist and the hosted service
are not. The example company (Halden Works GmbH), vendor (Acme GmbH), invoice
RE-2026-0418 and every amount on the page are invented examples.