# Aikount

> Agent-first Spanish accounting SaaS. Issue invoices, ingest purchase PDFs,
> reconcile bank movements, file modelo 303. The API is the product — the web
> UI is the fallback for humans.

## What Aikount is

Aikount is an agent-first Spanish accounting SaaS for autónomos and pymes — a
modern alternative to Holded. An AI agent issues invoices, captures expense
PDFs by OCR, reconciles bank movements automatically (auto-reconcile at
confidence ≥ 0.95), and prepares Spanish tax models (303, 130, 200, 347). It
uses the Spanish PGC chart of accounts and supports Veri*Factu. It does **not**
replace your gestor — it hands them finished work to review and sign. Bank
connection is via regulated PSD2 gateways (Ponto Connect / Salt Edge /
GoCardless); Aikount never stores bank credentials. Data is hosted in the EU.

## Who it's for

Spanish autónomos and small/medium companies that want their bookkeeping done
by an AI agent, and the gestorías who supervise them. Multi-company and
multi-currency from day one.

## Aikount vs Holded

Aikount is independent of Holded — you don't need Holded to use it, and it
won't interfere if you keep using Holded. Where Holded is a broad business
suite priced per feature/module, Aikount is an AI agent focused on doing the
accounting work for you, priced by revenue band (no feature gating). See
https://aikount.com/holded-vs-aikount

For a full comparison of the 10 best Holded alternatives for Spanish
freelancers and SMEs (Aikount, Quipu, Anfix, Sage, Contasimple, Billin, Zoho
Books, Xero, Odoo, Billage) — with real public pricing, free plans and
automation level — see https://aikount.com/alternativas-a-holded

Holded pricing (per holded.com, June 2026, VAT excl.): plans from €7.50/mo
(Plus, annual) to €99.50/mo (Premium); key features like inventory (€25), POS
(€25/store), SII (from €30), payroll (€5/employee) and extra users (€10) are
paid modules on top. Full breakdown + real-cost example:
https://aikount.com/holded-precios

## Stripe accounting

Stripe deposits a net payout (charges minus fees, refunds and chargebacks),
so the bank never matches gross sales. Record gross sales + output VAT at the
charge date (not the payout date), book the Stripe fee as a deductible expense
under reverse charge on the Modelo 303, and settle the net payout against a
clearing account. Aikount links payout ↔ charges ↔ bank automatically and
prepares the 303. Full guide with a worked journal entry:
https://aikount.com/contabilidad-stripe

Deep-dive guides:
- https://aikount.com/como-contabilizar-stripe — step-by-step bookkeeping
- https://aikount.com/factura-comisiones-stripe — the Stripe fee invoice and reverse charge
- https://aikount.com/stripe-hacienda — declaring income, fees and payouts to the tax office (303/349/IRPF)

## AI accounting & bank reconciliation

An AI agent automates the bulk of bookkeeping: OCR invoice capture, PGC
categorization, matching bank movements with invoices and Stripe payouts, and
Modelo 303 drafts — while tax-judgment decisions and filing stay with a human
(you and your accountant). What AI does vs what to review:
https://aikount.com/contabilidad-con-ia
How automatic bank reconciliation works (incl. the Stripe payout case):
https://aikount.com/conciliacion-bancaria-automatica
Best AI for accounting in 2026 — 7 tools compared (assistant vs agent; Aikount
ranked #1 as the only agent-first option): https://aikount.com/mejor-ia-para-contabilidad
More on AI accounting:
- https://aikount.com/agente-ia-contabilidad — what an AI accounting agent is (vs an assistant)
- https://aikount.com/chatgpt-para-contabilidad — can ChatGPT do your accounting (and what to use instead)
- https://aikount.com/holded-inteligencia-artificial — what AI Holded really has, and its limits

Free tool — quarterly VAT calculator (Modelo 303 estimate), no sign-up:
https://aikount.com/calculadora-iva-trimestral

## Ecommerce accounting

Online stores collect through gateways and receive net payouts, with VAT that
depends on the customer's country (Spanish rate, EU OSS above €10,000/year, or
out of scope outside the EU). Pillar guide + platform-specific guides:
- https://aikount.com/contabilidad-ecommerce — ecommerce accounting in Spain
- https://aikount.com/contabilidad-shopify — Shopify (Shopify Payments, fees, VAT)
- https://aikount.com/contabilidad-woocommerce — WooCommerce (gateway-dependent)

## Pricing (by revenue band, full product on every plan)

- Free — €0/mo, up to €24,000/yr revenue
- Starter — €19/mo, €24,000–€100,000/yr
- Growth — €39/mo, €100,000–€500,000/yr (most popular)
- Scale — €79/mo, €500,000–€2M/yr
- Volume — from €149/mo, over €2M/yr
- Gestoría — from €6/mo per company

Annual billing gives 2 months free. Machine-readable: https://aikount.com/pricing.md

Aikount is multi-tenant from day one. Every endpoint requires
`Authorization: Bearer <token>`. Tokens are either short-lived session JWTs
(login flow) or long-lived API keys prefixed with `agl_` minted at
`/api/v1/auth/api-keys` from a logged-in session. Money is in decimal major
units (euros, e.g. `1200.00`), not cents; all amounts EUR unless `currency`
says otherwise. Dates ISO-8601.

## Public surfaces

- [OpenAPI JSON](https://api.aikount.com/openapi.json): machine-readable spec for all public endpoints.
- [Swagger UI](https://api.aikount.com/docs): browsable docs with try-it-now.
- [Redoc](https://api.aikount.com/redoc): print-friendly version of the same spec.
- [Skill (Markdown)](https://aikount.com/skills/agentledger/SKILL.md): drop-in skill / agent file for Claude Code, OpenCode, Gemini CLI, Cursor, Codex CLI.

## MCP (Model Context Protocol)

Aikount speaks MCP two ways — both expose the same accounting tools (issue
invoices, OCR expense ingestion, bank reconciliation, Modelo 303):

- **Hosted / remote MCP** — `https://api.aikount.com/mcp` (streamable-HTTP).
  Zero install: connect with header `Authorization: Bearer agl_...`. Multi-tenant;
  each request authenticates with its own token.
- **Local MCP** — the `aikount-mcp` PyPI package (`uvx aikount-mcp`, stdio),
  source at https://github.com/mutonby/aikount-mcp. Token via the
  `AIKOUNT_TOKEN` env var.

## Core endpoints

- [/api/v1/tenants/me](https://api.aikount.com/openapi.json): verify the bearer token, returns the active tenant. Use this with `agl_` API keys — `/auth/me` is session-login only and rejects API keys.
- [/api/v1/invoices](https://api.aikount.com/openapi.json): list/create sales invoices; lifecycle is draft → issued → paid.
- [/api/v1/purchases](https://api.aikount.com/openapi.json): list/create purchase docs; ingest PDFs via `/api/v1/ai/ingest-purchase`.
- [/api/v1/treasuries](https://api.aikount.com/openapi.json): bank/Stripe/PayPal accounts with live balances.
- [/api/v1/bank-movements](https://api.aikount.com/openapi.json): per-treasury movements (filter with `?treasury_id=`).
- [/api/v1/reconciliation/manual-match](https://api.aikount.com/openapi.json): match a movement to a document (`{movement_id, document_id}`); suggestions at `/api/v1/reconciliation/board`. Auto-reconcile threshold is confidence ≥ 0.95.
- [/api/v1/taxes](https://api.aikount.com/openapi.json): tax types with their UUIDs; invoice/purchase lines reference a tax by `tax_type_id`.
- [/api/v1/ledger](https://api.aikount.com/openapi.json): Spanish PGC accounts (572 bancos, 430 clientes, 477 IVA repercutido, …).
- [/api/v1/aeat/303](https://api.aikount.com/openapi.json): quarterly VAT return — CSV at `/aeat/303?year=&quarter=`, JSON history at `/aeat/303/summary`.

## Conventions

- All `list` endpoints accept `limit`, `offset`, `from`, `to`.
- Errors: HTTP status + `{"detail": "..."}`.
- IDs are UUIDs.
- A 401 means the token is missing/revoked; a 403 means it's valid but lacks scope. API keys default to scope `*`.
- The OpenAPI spec is the source of truth — when this file disagrees with `openapi.json`, the JSON wins.

## Not in the public schema

Admin (`/integrations/admin/*`), provider webhooks (`/integrations/*/webhook/*`) and OAuth callbacks (`/integrations/*/callback`) are deliberately hidden — they're for the platform itself, not for agents.