/features/ — 36 modules
Every feature. No feature flags.
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Beta partners get access to every module from day one. Accounting core, AP/AR automation, treasury, internal controls, Canadian & US compliance, Shopify/e-commerce integrations, accounting firm practice management, and specialist accounting for nonprofits and construction.
AI Transaction Classification
AI agents with five-layer memory (episodic, semantic, procedural, prospective, working) classify every transaction and construct journal entry suggestions with citation. 98.5% auto-rate.
Continuous Daily Close
Every night: trial balance snapshot, accruals, anomaly detection, completeness check, variance analysis. Books are audit-ready every morning before 9am. Zero-day close cycle.
Four-Tier Bank Reconciliation
Exact match → fuzzy (RapidFuzz) → semantic embeddings → AI reasoning. Adaptive weight learner improves from corrections. Rule of Nine transposition error detection. 92% first-pass match rate.
Canonical Financial Event (CFE) Pipeline
Every transaction from any source is normalised into a standard CFE — currency conversion, entity resolution, jurisdiction tagging — before any agent processes it. No special-casing per source.
Historical Data Cleanup Engine
Eight-dimension book health scoring. Prioritises errors by materiality. Batch corrections applied. Used at onboarding to start clean regardless of the state of your existing books.
CFO Copilot
Natural language Q&A on your actual financial data — not canned reports. "What's my gross margin this quarter?" "Can I afford to hire in March?" Generates liquidity waterfalls and scenario trees.
Agentic AP Email Handler
Classifies every inbound O2P email, extracts invoice data via OCR, runs 3-way matching, drafts vendor responses, and — for routine items — sends them autonomously. All behind an OPA approval gate.
AR Automation
Order ingestion, invoice generation, progressive dunning, payment plans, write-off approval. AI collection agent personalises every chase communication. ASC 606 revenue recognition built in.
3-Way Invoice Matching
Purchase order, goods receipt, and vendor invoice matched automatically. Exceptions surface to the unified review queue. Nothing releases to payment until all three documents reconcile.
Personal Expense Classifier
Detects personal transactions mixed into business accounts using merchant category codes, transaction timing, geographic patterns, and purchase history. Catches ~8% more deductible expenses than manual review.
Treasury & Cash Management
90-day rolling cash forecast using ensemble ML and reinforcement learning payment optimisation. Explores thousands of scheduling strategies. AR-to-Treasury bridge factors outstanding receivables in real time.
Startup Mode
Burn rate tracking, runway forecasting, cap table register, SAFE and convertible note accounting, R&D capitalisation checks. Investor-grade financials for pre-revenue founders from day one.
FP&A — Budget vs. Actual
AI-generated variance narrative compares budget to actuals every period, grounded strictly in your real ledger data — every number is traceable back to source transactions, never hallucinated. Rolls into the same 90-day cash forecast Treasury already runs.
Segregation of Duties Engine
Six critical SoD conflict rules enforced at the API level — not UI warnings. The same operator cannot create vendors and release payments, or prepare and approve payroll. Configurable per risk profile.
Ghost Vendor Authentication
Every new supplier is authenticated against employee records, domain age, business registry data, and address patterns before activation. The most common small-business AP fraud vector — eliminated before it starts.
Benford's Law Analysis
Monthly statistical analysis of your full transaction population for digit-distribution anomalies consistent with financial manipulation. Enterprise forensic accounting technique — default-on for all ClairFlo accounts.
OPA Approval Gates
Open Policy Agent gates on every autonomous action. Configure thresholds per workflow. Anything below your confidence threshold routes to review. The AI cannot act outside the policy envelope you define.
Behavioral Anomaly Scoring
Continuous scoring of transaction patterns for unusual activity. AML pattern detection. Flags surface in the daily brief before they compound into a larger problem.
GST/HST Automation
Full GST/HST compliance — input tax credit tracking, HST rate management by province, remittance calculations, and CRA filing integration. Compliance engine cites specific CRA guidance for every calculation.
QST (Quebec Sales Tax)
Quebec Sales Tax handled natively alongside GST/HST. Input tax refund tracking, remittance calculations, and Revenu Québec filing. Separate from GST with correct dual-registration treatment.
SR&ED Tax Credit Tracking
Scientific Research and Experimental Development credit identification and tracking. Qualifying expenditure identification embedded in the accounting workflow — not a separate spreadsheet exercise at year-end.
Small Business Deduction
Automated SBD calculation and monitoring. Associated corporation detection. Active business income classification. Tracks SBD limit usage across related entities.
CRA Return Preparation (WIP — not before GA)
GST/HST and corporate return preparation with validation against CRA rulesets. Forms and remittance schedules are generated in-platform today. CRA electronic filing certification is work in progress; live transmission to CRA My Business Account is not expected before GA (dry-run validation in beta).
US Tax Compliance
Sales tax, economic nexus detection across states, 1099 generation, and Section 199A qualified business income deduction. Standards corpus grounding — cites actual IRS text, not AI approximation.
Shopify Payout Reconciliation
Every Shopify Balance payout is automatically matched back to the individual orders inside it, using a marketplace-tax-aware clearing mechanism. Any genuine unexplained gap over $0.05 is flagged for review — correct double-entry journal entries post automatically, with idempotency protection against double-posting.
Total Sales vs. Payout Mismatch Breakdown
Shopify's processing fees, refunds, disputes, and adjustments are broken out of each payout automatically and posted to the correct accounts — fees to Payment Processing Fees, refunds and adjustments to their own lines. Only a true unexplained residual gets flagged, not the whole gap.
Multi-Store Consolidation
Connect more than one Shopify store to a single ClairFlo account and every order rolls into one set of books, tagged by store. Consolidated reporting shows the combined picture; per-store views are one click away.
Full Practice Management
Client onboarding, engagement letters with DocuSign e-signatures, time tracking, flat-fee / hourly / retainer invoicing, and client portal — integrated with the accounting engine, not a separate product.
Cross-Client AI Daily Brief
Every morning: which clients need attention, health warnings, upcoming deadlines, staff utilisation, realization rates — across your entire book of business in one view. Replaces manual status check-ins.
Staff Wellbeing & Burnout Prevention
8-week capacity planning horizon. Workload heatmap with burnout early warning flags. Automated reassignment recommendations when a team member is overloaded. The only accounting platform that treats staff retention as a software problem.
Unified Review Queue
Every pending work item across every client — JE approvals, AR disputes, email triages, workpaper sign-offs — in one inbox. Bulk actions, assignment, escalation. Stop switching portals mid-task.
Practice Analytics
WIP ledger, utilisation by staff member, realization rates by engagement type, 90-day revenue forecast, AR aging. Know which clients are profitable before you see it in the P&L.
Compliance Calendar
All client CRA and IRS deadlines in one view. Cross-entity risk detection — flags when a director's T1 deadline collides with their T2, or when an HST group member hasn't filed.
Fund Accounting — Nonprofits
Net asset classes (restricted, temporarily restricted, unrestricted), grant lifecycle management, and milestone-based revenue recognition per FASB ASU 2018-08 (US) and ASNPO (Canada). Purpose-built — not a workaround on a for-profit COA.
Project / Job Costing
WIP schedule, earned value metrics (Cost Performance Index, Schedule Performance Index), over/under-billing detection, percentage-of-completion vs completed-contract. ASC 606 / IFRS 15 compliant.
Excel Integration Bridge
Bidirectional — trial balance to Excel in one click. Upload corrections back. Import journal entries from templates. Round-trip workpaper sync with annotations. Meet your clients where they live.