Orla vs T:0
the books kept, or the money paid
T:0, built by Airwallex, keeps GAAP books for US startups, with a CPA on the managed plans. It pays nothing. Orla pays inside a mandate you sign, from your own accounts, your Airwallex among them, and hands the month to your accountant.
T:0's pricing and launch read on 7 October 2026.
The one difference
Agents that keep the books
or an autopilot that pays
On the managed plans a CPA certifies the close, from $599 a month.
- DDeliveryMira$11,400 of $18,000By itself to $2,000
- TToolsAlex$2,650 of $3,000By itself
- MMarketingSam$1,900 of $6,000Pilot · day 12
- Over $10,000
- Both founders sign
- New payee
- Sanctions check, then an owner
- Invoice to a client
- Sent at your press
- It pays, not only reads
- A bill inside its budget pays by itself on its date. Past the budget, or to a new payee, it waits for a person.
- From your Airwallex too
- Airwallex is one of the accounts Orla pays from by itself inside the mandate, next to PayPal and the account inside Orla.
- A company anywhere
- T:0 is for startups in the US. Orla takes a company in any country, and a sole trader the same way.
On autopilot
What goes by itself
and what still waits for you
Goes by itself
- A bill or a payout inside its budget in the mandate
- From Airwallex, PayPal or the account inside Orla
- An agent's card or API spend inside its cap
Waits for you
- A new payee, and bank details that changed
- Anything past a budget or a limit
- Every payment from Mercury, Slash, a Safe or a wallet you sign
The brakes above both
- $2,000 a payment and $10,000 a day until you change them
- Loosening a limit waits 24 to 72 hours
- One pause stops every payment at once
Side by side
What each one is
including the rows where T:0 wins
The price
At your team's size
and what each price buys
a month, before any payment fee; T:0's managed price buys a CPA and, with tax, the filings
Not the same purchase: T:0's price buys GAAP books and, on the managed plans, a CPA and the tax return. Orla's buys the payments made inside your mandate and a month your own accountant can close.
Add the fee for your month on PricingFair is fair
Where T:0 is stronger
and when to pick it
- GAAP books: double entry, revenue recognition and a continuous close. Orla keeps a cash ledger and hands the month to an accountant.
- A CPA in the plan who certifies the close, and the federal and state returns filed for you. Orla has no accountant of its own.
- CFO work on request: forecasts, board decks, 409A support, scenarios.
- Built by Airwallex, beside an account in many currencies.
- Pick T:0 if
- you are a US startup with investors, the board wants GAAP books and a certified close, and you want the tax return filed by the same team.
- Pick Orla if
- you want the bills paid by themselves from the accounts you have, in any country, and a month your own accountant can close.
- Use both if
- T:0 keeps the GAAP books and Orla pays inside the mandate from your Airwallex, so both work from the same account.
Questions
Orla and T:0
the short answers
Does T:0 pay bills?
No. T:0 keeps the books; paying is what the Airwallex account beside it is for, with its own bill pay. Orla pays inside a mandate you sign, from your Airwallex among other accounts.
Can Orla pay from my Airwallex account?
Yes. Airwallex is one of the accounts Orla pays from by itself inside the mandate, after the pilot. Anything outside the mandate waits for a person.
Does Orla give me a CPA like T:0?
No. Orla closes the month as files and gives your own accountant a seat. T:0's managed plans include a CPA from $599 a month.
Is T:0 available outside the US?
It is built for startups in the US. Orla takes a company in any country.
Bring your Airwallex
and we write the mandate it pays inside
On a thirty minute call we draft your first mandate and show which of your accounts would pay by itself.