How a Xero export tool became a deterministic crypto + fiat ledger engine.
I’m a trader. My capital was spread across a dozen chains and as many wallets, an SMSF, and exchanges — some of which collapsed while I still held positions on them. When it came time to produce defensible records — cost basis, realised gains, a balance sheet that actually reconciled — no tool could do it. Koinly misclassified farming as swaps; crypto tax tools couldn’t see the fiat; Xero couldn’t see the chain.
So I started on the fiat side, where the pain was most legible: an export-sync that takes ownership of your accounting data out of Xero — consolidating multiple companies and pushing a complete general ledger into Excel and Google Sheets, where Copilot and Gemini can actually work with it. That product is live and still running with customers across REITs, private credit, lenders, and vCFOs, alongside a freelance MYOB + Xero valuation engagement.
Using a fiat tool for crypto fails for mechanical reasons, not philosophical ones: software like Xero and QuickBooks is built for a structured, static world — two decimal places where crypto needs eighteen, and no concept of a wallet, a token, a tax lot, or a transaction hash, so cost basis stacks at the wrong number and reconciliation breaks. Tax is still owed and settled in fiat, though, so both have to reconcile in one book. And I wanted that book derived — regenerated from rules and raw events rather than hand-edited — so I could build scenarios and cleanly mix immutable on-chain facts with mutable assumptions and overrides. The moment you add AI, determinism stops being optional: language models are probabilistic, but a ledger has to reconcile to the cent.
AccountMD is the answer to both: one deterministic double-entry engine that books crypto and fiat in the same ledger, derived from rules and raw events rather than hand-edited, so every balance is reproducible and audit-grade — and architected so AI can query it without inventing the numbers. The model reasons; the engine computes; every number carries its receipts.