⚠ Reg S-P is live June 3, 2026 — every cloud AI tool processing client financial data is now a regulated third-party data processor. AAQT is exempt.
Solution Features Who It's For Pricing Design Partners
On-Device AI · Reg S-P Compliant · Phase 2 Complete

Stop losing hours
to document intake chaos
before bookkeeping begins.

AAQT is the only on-device AI platform that validates CPA document intake and builds RIA suitability profiles — zero cloud exposure, zero Reg S-P liability.

Zero cloud data exposure
Deterministic GAAP validation
CPA approval gate — always
123 tests passing
14/14
CPA AI competitors are cloud-only
$100M
Raised by Botkeeper before shutdown (2026)
June 3
Reg S-P deadline — active now
$230M
ARR addressable at 1% CPA+RIA penetration
The Problem

Your client sent a folder. Now what?

Before a single journal entry gets made, someone at your firm has to sort, validate, and chase down every document a client sends. That's hours — before any billable work begins.

2–4 hours per engagement, pre-intake

Manually sorting bank statements, receipts, and invoices before bookkeeping can begin. None of it is billable.

☁️

Every AI tool is cloud-based

Dext, Hubdoc, Booke AI, DualEntry — all send client financial documents to third-party cloud servers. Under Reg S-P, that makes you liable.

⚠️

No tool validates what it extracts

Existing AI tools categorize documents but don't check if the numbers are GAAP-compliant, complete, or internally consistent.

📄 bank_statement_jan.pdf Unverified
🧾 receipts_q1_FINAL.xlsx Missing fields
📊 payroll_march (2).pdf Duplicate?
📋 invoice_vendor_2025.docx No totals
📝 1099_copy FINAL v3.pdf Needs review
before any bookkeeping begins
⏱ 3.5 hours sorting this. None of it billable.
The Solution

Intake that validates itself. On your device. Never the cloud.

AAQT runs entirely on your hardware. Client documents never leave your machine. Every output is deterministically validated against GAAP rules — no LLM hallucinations.

1

On-Device OCR Extraction

Tesseract pipeline extracts text and structure from every document type — zero network calls, AES-256-GCM encrypted at rest.

✓ Zero cloud exposure
2

12-Category Document Classification

Deterministic classifier routes each document — bank statements, invoices, payroll, 1099s — to the correct validation path.

✓ No LLM in financial paths
3

GAAP Validation Engine

20 active rules check completeness, consistency, and compliance. Every failure is flagged with an exact rule citation — not an AI hallucination.

✓ Deterministic, auditable
4

HITL Gate — CPA Approval Required

No output is released until a licensed CPA reviews and approves it. The gate is un-bypassable in code — not a checkbox you can skip.

✓ Fiduciary-grade enforcement
AAQT Processing Pipeline
📄 Document received (on-device)
🔍 OCR + classification
📐 GAAP validation (20 rules)
👤 HITL gate — awaiting CPA review
📊 Client Financial Graph updated
Client Financial Health Score
84
/ 100 · Suitability: READY
Reg S-P compliant — zero cloud calls
Key Features

AI-driven insights.
Real business results.

🔐

On-Device AES-256-GCM Encryption

Every document is encrypted at rest with hardware-bound keys (DPAPI). Client data never leaves the machine. No cloud. No DPA required.

Reg S-P Native
📐

Deterministic GAAP Validation Engine

20 active rules check every document against GAAP completeness and consistency requirements. 27 rules pending CPA advisor sign-off to complete the full 47-rule set.

No LLM Hallucinations
👤

HITL Enforcement Gate

Human-in-the-loop is enforced at the code level with HitlEnforcementError. A licensed CPA must approve every output before it's released. This is architectural — not optional.

FINRA 2026 AI Governance
🔗

Client Financial Graph

A compounding 4-layer graph (IDENTITY, INCOME, EXPENSES, SUITABILITY_SEED) that bridges CPA intake data directly into RIA suitability workflows.

CPA → RIA Bridge
📊

Suitability Scoring (0–100)

A deterministic Client Financial Health Score with a 3-state readiness verdict: READY, CONDITIONAL, or NOT READY — based on actual documents, not questionnaires.

RIA Fiduciary Ready
📜

Hash-Chained Immutable Audit Log

Every processing event is written to a hash-chained JSONL audit trail following the SEC 17a-4 immutability pattern. Examiner-ready from day one.

SEC 17a-4 Pattern
Competitive Landscape

The gap no competitor
has solved — until now.

Botkeeper raised $100M and shut down in 2026. Every remaining CPA and RIA AI platform is cloud-only and addresses only the bookkeeping layer — not intake.

Capability Cloud CPA Tools
Dext, Booke AI, Docyt, Zeni…
RIA Platforms
Nitrogen, Orion, Envestnet…
AAQT On-Device
On-device processing
Reg S-P native compliance Requires vendor DPA Requires vendor DPA Native — no DPA needed
Document intake layer Post-intake only Not applicable Core product
GAAP validation engine Deterministic, 20 rules
HITL CPA enforcement gate Un-bypassable in code
CPA → RIA data bridge Client Financial Graph
Immutable audit trail Varies by vendor Varies by vendor Hash-chained JSONL
LLM-free financial math LLM-based (hallucination risk) LLM or analytics Deterministic only
Research based on April 2026 competitive analysis. 14 CPA AI platforms and 9 RIA platforms evaluated. Botkeeper (shutdown 2026) excluded.
Who It's For

Built for the professionals
who can't afford to get compliance wrong.

Priority 1 · CPA Firms
The Overwhelmed CPA Partner

1–10 staff. 20–60 SMB bookkeeping clients. Spending measurable hours per engagement on intake before a single journal entry is made.

Client sends a folder of unsorted documents every quarter
2–4 tools in use (email + QBO + Dext + spreadsheet) — still mostly manual
Reg S-P means their current AI vendor is now a regulated third-party processor
No AI tool validates completeness before handing off to bookkeeping
AAQT gives them: On-device intake that classifies, validates, and scores every document before bookkeeping begins — with a CPA approval gate enforced in code.
Willingness to pay: $200–$600/month · Design partner access: free in exchange for HITL feedback
Priority 2 · RIA Practices
The Compliance-Pressured RIA Principal

$50M–$500M AUM. 1–15 staff. Building suitability profiles manually via questionnaires while facing Reg S-P and the 2028 AML/BSA reclassification.

Suitability profiles built from questionnaires — not actual client financial documents
Every AI tool in their stack is a potential Reg S-P third-party processor liability
Fiduciary duty makes LLM-based outputs that can't be audited a compliance risk
AML/BSA 2028 reclassification means they need cleaner, auditable data trails now
AAQT gives them: A suitability foundation built from actual validated financial documents — not questionnaire responses — on their own hardware, with an immutable audit trail.
Willingness to pay: $500–$2,000/month · Phase 3 target (Days 21–30 of GTM)
Design Partner Program · Limited Spots

Help build the compliance layer
the industry has been missing.

We're selecting 3–5 CPA firms as design partners for the Phase 2 HITL stress test. This is not a sales program — it's a co-build. You stress-test, we iterate.

🆓

Free or Deeply Discounted Access

Full platform access during the 6-month HITL stress test phase at no cost or significantly reduced pricing.

🏗️

Direct Input into the GAAP Rule Set

Your CPA feedback unlocks the remaining 27 of 47 GAAP validation rules. You shape the compliance standard.

🏆

First-Mover Positioning

Be among the first CPA firms to offer on-device, Reg S-P compliant AI intake to clients — before your competitors know it exists.

Pricing

Transparent pricing.
No per-document fees. No cloud markup.

Design partner pricing is free or deeply discounted during the HITL stress test phase. General availability pricing below.

CPA
Starter

For 1–5 staff CPA firms processing SMB client document intake.

$
299
/month
  • On-device OCR pipeline
  • 12-category document classifier
  • GAAP validation engine (20 rules)
  • HITL enforcement gate
  • AES-256-GCM encryption
  • Immutable audit log
  • Up to 50 active clients
  • Email support
RIA
Professional

For independent RIAs building suitability foundations from validated client documents.

$
999
/month
  • Everything in CPA Professional
  • RIA suitability scoring layer
  • Reg S-P DPA provided
  • Examiner-ready audit dashboard
  • AML/BSA-ready data structure
  • Colorado AI Act drift monitoring
  • Dedicated onboarding
Need a multi-office or enterprise solution? Contact us for custom pricing →
Design partner access is free for the first 3–5 qualifying CPA firms. Learn more →
⚠ Reg S-P is active June 3, 2026 — cloud AI = regulated third-party processor

The window to act before
your competitors is now.

3–5 design partner spots remain. No pitch. No commitment. A 15-minute Mom Test conversation about your intake workflow.