# Orla vs T:0

URL: https://www.orla.finance/en/vs-t0
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

T:0 keeps a startup's GAAP books and sells a CPA with them. Orla runs everything before the accountant, and the month leaves as files.

Prices and claims below checked on 13 September 2026, on t0.ai and its pricing page; T:0 left private beta on 1 September 2026.

#### What each one is, and what it costs

- What it is (In one sentence): Orla: The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting; T:0: AI bookkeeping for US startups, built by Airwallex. Four agents keep the books; on the two managed plans a CPA certifies the monthly close.
- Price (Their pricing page, this month): Orla: Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call; T:0: Platform $199 a month; managed bookkeeping from $599; with tax from $749, each extra state $49; CFO services on request. No free tier, and Get started leads to a request form
- Who can sign up (In their own words): Orla: A company anywhere, and the people in it, in four languages; T:0: “Any startup operating in the US”; the agreement says “you must be a business entity”
- The books (What the ledger is): Orla: A cash ledger with categories and account codes, a month that closes with a fingerprint, a journal export for Xero and QuickBooks; no double entry, no chart of accounts, and nothing is filed anywhere; T:0: Double entry, a chart of accounts built from your web profile, revenue recognition, a continuous close; a CPA-certified close on the managed plans
- Moving money (Payouts, bills, cards): Orla: Payout batches up to 200 rows, approval thresholds and a quorum, cards with a ceiling, supplier bills; nothing leaves without a person's signature; T:0: None on the product: connections are read only, and paying is what the Airwallex account beside it is for
- Crypto (Exchanges and wallets): Orla: First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins; T:0: Not in the product; the agreement asks you to disclose virtual currency and takes no liability for it
- Agents (Whose): Orla: Your own agent by key or MCP, with roles, daily caps and a wallet of its own; an assistant that answers from the same rows and acts one press at a time; T:0: Four agents of theirs inside the product: Accountant, Scout, CFO, Integrator; no API or MCP published for yours
- A human in the plan (Where they win): Orla: None, and none planned; an accountant seat for yours; T:0: A dedicated CPA from $599 a month; federal filing and one state included from $749 a month

#### When T:0 is the right choice

A comparison you can trust has to be able to say this.

- You are a US startup with investors, and the board wants GAAP books with a CPA-certified close.
- You want the tax return filed for you, federal and state, by the same company that keeps the books.
- All your money is in US banks and platforms, and nothing needs to leave the books as a payment.

#### Everything that happens before the accountant gets the month

If any of this is your week, the comparison decides itself.

- Contractors paid in batches with a threshold and a quorum, cards with a ceiling per person, supplier bills paid from the same screen they arrived on.
- A contractor who takes USDC, an exchange balance, a wallet: priced by the minute it moved and taxed like the rest.
- An agent of your own, Claude or a script, with a role, a daily cap and a wallet, never a signature.
- A company outside the United States, or a founder who wants to start today without a call.

The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.