# Allwis — full site text > Allwis is an AI-native business platform for multi-entity service businesses — accounting and advisory practices, professional services firms, family offices, private-equity platforms and field-service operators. It runs sales, jobs, timesheets, proposals, finance and accounting, payroll, marketing and helpdesk on one shared data layer with one double-entry ledger across every entity, rather than integrating separate products. AI is built into each module — drafting, auditing, scoring and summarising — with a human approving every material change; the organisation chooses which model runs those features, including a self-hosted open-weights model so customer data need never reach a third-party AI vendor. Multi-entity consolidation, multi-currency and Australian and New Zealand tax and payroll compliance are core rather than add-ons. Built and hosted in Australia. Core features go live within one business day. Source: https://www.allwis.ai · Generated: 2026-08-29 This file is the complete prose of every page on https://www.allwis.ai, concatenated for machine reading. Navigation and footers are omitted; the page index is at https://www.allwis.ai/llms.txt ============================================================================== # Allwis — overview URL: https://www.allwis.ai/ ============================================================================== The AI operating system for multi-entity services businesses ## Clear the app jungle. Run your businesses smarter. One system across every company you run — sales, jobs, finance, payroll and support — and it bends to fit: describe a process in plain English and Allwis builds it. Core features live in one business day, guaranteed. You didn't start a business to operate software. Allwis is the ally that lets you focus on what matters. Book onboarding Live in one business day AI that works across all business aspects Cloud when you want it, private when you need it Accounting CRM Field jobs Scheduling Email Helpdesk Payroll Proposals Reporting E-sign Forms Inventory Your stack today Unify Allwis The whole business in one system Accounting CRM Payroll Jobs Proposals Marketing Helpdesk Reporting Why one platform ### One system instead of a stack that fights you Every tool you bolt together is another export, another reconciliation, another subscription, another thing that breaks. Allwis replaces the stack — so the friction, the manual work and the cost go with it. #### Enter it once Data flows proposal → job → timesheet → invoice → ledger automatically. No re-keying, no copy-paste between apps. #### No reconciliation between tools One ledger across every entity — no month-end spreadsheet stitching separate systems together, no "which number is right?" #### Lower cost & overhead Retire the CRM, the accounting tool, the payroll app and the helpdesk. One subscription, one bill, fewer integrations to maintain. #### One source of truth Sales, finance, jobs and support share the same records. Context follows each client across every module — nothing falls through the cracks. #### Close faster, with less risk AI drafts, audits and flags; a human approves. Month-end, consolidation and compliance move faster with fewer errors. #### Scales with the group Add an entity, a jurisdiction or a client and the whole system already knows how to consolidate it — no new tool, no rebuild. #### One login for every company Staff who work across two or three of your companies switch entity in a click — not a separate login, and not a separate subscription, for each one. #### Group and entity, same numbers Look at one company or the whole group from the same ledger. The consolidated view isn't a report someone rebuilds each month — it's the same data, rolled up with statutory rules applied. Who it's for ### Built for service businesses — and the builders who extend them Whether you sell your people's time, run an accounting practice, manage a group of entities and investors, or build software on top of Allwis, the platform meets you where you are. #### Service businesses Any business whose product is its people's time — consultancies, agencies, engineering and design practices, trades and field-service operators. Win the work, deliver it, capture every hour, and bill it, without anything falling through the gaps between systems. - ✓ Quote → schedule → deliver → invoice in one flow - ✓ Every hour captured, costed and billable - ✓ One view of the client, enquiry to final payment #### Accounting firms Accounting and bookkeeping practices running client work end to end. Client ledgers, compliance and payroll sit in the same system as the practice's own jobs, time and billing — so nothing has to be reconciled between two tools. - ✓ Client proposals → jobs → timesheets → invoice - ✓ Live job costing, WIP & utilisation - ✓ AML/CTF, full AU & NZ payroll & compliance #### Multi-entity groups & investors Family offices, private equity, holding companies and agency groups running several entities at once. Provision a new entity top-down and consolidate the whole structure — and the portfolio — in minutes. - ✓ One-click entity provisioning - ✓ Intercompany elimination, FX & NCI - ✓ Portfolio rollup & investor reporting Cultiver #### Developers & partners Build modules, workflow nodes, and AI agents on a clean SDK — then publish to the Cultiver Marketplace , the app store where businesses discover and install Allwis extensions, and get paid. Allwis is the identity and data layer; Cultiver handles distribution and billing. - ✓ Ship extensions to thousands of businesses - ✓ Marketplace billing & revenue share - ✓ Partner Program for app developers The guarantee ### Core features live by tomorrow. Or we do it — free. Self-serve with AI-guided onboarding — or our customer success team sets it up with you. Live on day 1 CRM & sales Jobs & proposals Timesheets Portals Website & forms Helpdesk AI invoicing Books opened Bank reconciliation, tax, and payroll — onboarded properly, right after. No three-month implementation. No six-figure consultants. Read the go-live checklist and what the guarantee covers → Setup, step 3 — modules are pre-selected for your business type. Everything is opt-in, and changeable later. Proof ### We run our own group of companies on it. Allwis isn't a demo we maintain alongside a real system — it is our real system. Axonda Group runs its accounting, its public websites, its bookings and its events on the platform, across multiple entities in one workspace. ##### Accounting Multiple entities on one chart of accounts, with consolidated reporting across the group. ##### Websites & forms Public sites served from the platform on their own custom domains. ##### Accommodation Live availability, bookings and guest stays for an operating hospitality business. ##### Events & ticketing Public event pages, capacity and ticket sales, settled straight into the ledger. Don't take our word for it — kinvararetreat.com.au is a live business site served by Allwis. Straight from the product ### Not a mockup. The actual product. Real screenshots from the Allwis demo tenant — not a mockup, and the same build running in production today. Dashboard — KPIs, AI insights and the compliance queue on one screen Bank reconciliation — AI-suggested matches Service reporting — utilisation and margin Jobs — costing, milestones and WIP Email — AI triage, matched to the deal Concierge — proposes a plan, you confirm Websites — edit a page by describing the change One data layer, one AI ### Most platforms bolted AI onto a silo. Allwis was built the other way around. Every module writes to the same data layer, so the AI isn't working with the screen you happen to be on — it's working across all aspects of the business. It briefs you each morning across every entity, with a 13-week cash flow. It audits an incoming bill against the purchase order it belongs to. It triages a support ticket already knowing who the client is. Ask your current vendors one question: how much of your business does their AI actually work with? ##### Concierge command bar Press the Ctrl key twice, anywhere, and ask in plain English. The Concierge plans the steps, shows you exactly what it'll do, and only acts once you approve. ✓ Plan-first · You confirm every action ##### Deal scoring & forecasting Scores every deal on engagement, profile fit, email sentiment, and stage velocity. Forecasts pipeline close probability weekly. ✓ Read-only · Never moves a deal ##### Invoice anomaly detection Reviews every invoice against historical patterns and supplier norms. Flags duplicates, outliers, and suspicious entries for human review. ✓ Flags only · Never auto-adjusts ##### Commission review Auto-calculates sales commissions against your rules, then presents an AI-reviewed summary for human approval before any payout. ✓ Human-approved · Full audit trail ##### Workflow AI steps Drop AI-powered steps into any automation — classify leads, summarise tickets, draft emails, route to the right team, generate reports. ✓ Configurable · Fully transparent ##### Email summaries & next steps Reads email threads and surfaces key actions, blockers, and draft replies — attached to the deal or contact automatically via Outlook sync. ✓ Outlook sync · Private by default ##### Support ticket triage Classifies incoming tickets by product area, urgency, and sentiment. Suggests resolution paths and routes to the right team member. ✓ Suggestion only · Human routes ##### Morning briefing A written brief each morning across every entity — what moved, what needs a decision, and a 13-week cash flow view — instead of opening six dashboards to find out. ✓ Every entity · Daily ##### Bank reconciliation matching Proposes the right bill or invoice for each bank transaction, with its reasoning, so reconciliation is a review rather than a hunt. ✓ Proposes · You confirm Governed by default. Every AI call is logged with its model, latency and outcome. Any AI feature can be switched off per workspace, and personal data can be forced through masking before it is sent. On the decisions that touch money — invoice audits, commission reviews, bank matches — the AI proposes and a human approves; it never quietly adjusts a number. The choice ### You've had two options. Now you have three. The app stack you have now | Traditional ERP | Allwis | Time to live | Already live — already broken | 3–12 months | One business day | Implementation cost | The integration tax, forever | Six figures, plus consultants | Most users complete the migration from their current finance and CRM systems, and the initial setup of core features, themselves | What the AI sees | One silo at a time | A module, if at all | The whole business | Customisation | Whatever the vendors allow | Change requests, billed | Extend it by prompt | Multi-entity | One subscription per entity | Enterprise add-on | Native, with consolidated reporting | Your AI, your data | Vendor's cloud, vendor's AI | Vendor's cloud, vendor's AI | Any model, any jurisdiction — own the database | Your AI · your model · your data ### Your data goes to an AI vendor only if you decide it does Your clients' financial lives are your business, and your responsibility — so where the intelligence runs should be your call, not a condition of using the product. Choose the provider you already trust, task by task. Or run a private model inside your own network, and nothing is sent to a third party at all. Cloud when you want it. Private when you need it. AI model Per organisation · per task Claude Anthropic · deep reasoning & audit Cloud GPT OpenAI · general purpose Cloud Gemini Google · multimodal Cloud Local / self-hosted LLM Llama, Mistral, Qwen · runs in your network On-prem · private With the local option selected, no business data leaves your environment. 🛡️ ##### Data stays in your environment Run a local or self-hosted model and sensitive records are processed on your own servers — nothing is sent to a third party. 🔒 ##### No external-provider exposure Keep regulated, confidential or client data off external AI APIs entirely — eliminating a whole class of data-leak and compliance risk. ##### Never used for training Your data is yours. It's never used to train Allwis's models or any external provider's models — full stop. ⚖️ ##### Right model for each task Match capability to cost — a powerful cloud model for deep analysis, a fast local one for everyday automation. The service business operating system ### Win the work. Deliver it. Bill it. All in one place. Every stage of a service engagement — enquiry, proposal, delivery, time, invoice, support — runs on shared data, context, and AI. One system, not a stack of disconnected apps. ⬡ Sales ⊟ Services ◎ Finance ◈ Marketing ⟳ Workflows ◫ Comms ⊙ Support - ⬡ Kanban deal pipeline Sequential stage progression, drag-and-drop, audit trail, deal notes, and parent deal relationships - ◎ Subscription line items ✦ AI MRR normalisation across all billing cycles — AI forecasting and deal scoring out of the box - ✉ AI email triage & draft replies ✦ AI Summarises each inbound email, flags whether it needs a response, and drafts an editable reply — plus next-step suggestions and at-risk deal alerts - ◎ Company & contact enrichment Google Places and LinkedIn enrichment — keep your CRM accurate without manual data entry - ▦ Stage transition audit trail Full history of every deal movement — who changed it, when, and why — with optional approval gates Pipeline · AI deal scoring Deal Score · Value Karaka Foods NZ Enterprise Rollout 88 $120k/yr Meridian Group Annual SaaS Licence 94 $48k/yr Tidal Works Platform Migration 61 $22k ✦ AI Forecast Q2 pipeline confidence: $168k · 72% close probability - ⊟ Jobs & projects Run engagements end-to-end — milestones, tasks, job costing, WIP, and utilisation, all linked to the originating deal - ◷ Timesheets & time-to-invoice Capture billable time with a one-tap timer, approve it, then turn approved hours straight into an invoice — no re-keying - ▤ Proposals & quotes ✦ AI Template-driven proposals with public approval links — accept online and Allwis auto-creates the job and the invoice - ◴ Staff rates & profitability Per-staff cost and charge-out rates feed live margin on every job — see what's actually making money - ⊞ Service workflows Configurable job stages and approval gates per service line — onboarding, delivery, sign-off, handover Services · Job & delivery board JOB-0312 · Website Rebuild In delivery Budget 120h Logged 78h Margin 41% ✓ Discovery & scope Complete · 14h ◷ Build & review In progress · 64h logged ▤ Client sign-off Pending · approval link sent ✦ Ready to bill 62h approved · $11,160 ready to invoice this milestone - ◎ Complete chart of accounts Full double-entry bookkeeping with AU & NZ-compliant account types, GST/BAS, and P&L · Balance Sheet · Trial Balance · GST Return reports - ◫ Unified invoicing & AP/AR Outgoing invoices and incoming bills with approval workflows, purchase orders, and tax calculations - ⚑ AI anomaly auditing ✦ AI Flags unusual transactions and inconsistencies — flags only, never auto-adjusts. Human stays in control. - ⊞ Bank reconciliation CSV/OFX import, AI-powered transaction matching, automatic journal entries, exception handling - ◷ Revenue recognition Spread invoiced revenue across the period it is earned — straight-line over a subscription term, on delivery, or by milestone. A monthly run posts the journals and the deferred revenue rollforward ties back to the ledger - ⌀ Payroll — STP Phase 2, Super, PAYG · KiwiSaver, PAYE, ACC Full AU & NZ payroll: pay runs, payslips, leave entitlements, Single Touch Payroll (AU), and commission tracking with AI review + human approval - ◈ Multi-entity consolidation AU & NZ Group reporting with intercompany elimination, FX translation, profit deferral, and non-controlling interests. Provision a new entity's full chart of accounts top-down in one click - ◭ Portfolio & investor layer For holdcos, agencies, and groups: roll up entities into a portfolio, track investor capital accounts, and report across the whole structure - ▦ Custom report builder ✦ AI Compose your own P&L, balance-sheet, and operational reports from a guided spec — share them with the right audiences and ask follow-up questions in plain English - ⛉ AML/CTF compliance AU & NZ Client due diligence (KYC), AI risk rating, PEP & sanctions screening, ongoing monitoring, and SMR/TTR reporting — ready for AUSTRAC Tranche 2 (1 July 2026) and the NZ AML/CFT regime - ⚡ Wise payments · Xero & QuickBooks migration Pay suppliers directly via Wise. Migrate from Xero (direct API) or QuickBooks (guided CSV import) gradually with built-in cutover tooling — no big-bang switch Finance · Multi-entity group view Consolidated Group Report Jun 2026 🇦🇺 Allwis AU Pty $241k Revenue 🇳🇿 Allwis NZ Ltd $182k Revenue Account Date Debit Credit Bal. 4000 · Revenue Jun 3 $14,200 $82,400 2100 · GST Collected Jun 3 $2,130 $12,360 6100 · Wages Jun 5 $8,400 $42,100 ⚑ AI flagged: Possible duplicate — INV-2041 matches INV-2038 - ◈ Campaign management Email, PPC, content, events, and social — managed in one unified view with UTM/attribution tracking - ⬡ Drag-and-drop form builder 7 pre-built templates — lead gen, survey, waitlist, event registration, contact, and more - ▦ Landing page builder Block-based editor with 3 starter templates. Publish directly or embed in your existing site - ✉ Email sequences Multi-step drip campaigns with conditional branching, merge fields, and open/click tracking - ◎ Google Ads & Meta Ads integration Connect ad accounts, view spend and attribution data alongside your CRM pipeline Marketing · Campaigns Campaign Status Opens Conv. June Launch Email Live 42% open 18 leads SMB Google Ads Q2 Live $2.40 CPC 34 conv. Onboarding Sequence Live 68% done 91 active Webinar Invite — Jul Draft Re-engagement Aug Paused 29% open 6 leads - ⟳ Visual workflow builder Drag-and-drop automation canvas — connect triggers, actions, filters, and AI steps visually - ◎ 10 trigger types Event, schedule, form submission, deal stage change, manual, webhook, and more - ⬡ AI action steps ✦ AI Drop AI-powered steps into any workflow — classify, summarise, draft, score, route - ▦ Branching, delays & merge fields Conditional logic, cron scheduling, time delays, resume-on-condition, and dynamic merge fields - ✉ 10 action types Email, notification, webhook, create/update record, AI action, Slack message, and more Workflow · Deal won automation ⚡ Deal stage → Closed Won Trigger · Deal stage change ✦ AI: Draft welcome email AI action step ◎ Filter: Deal value > $10k Condition · Branch ↓ (yes) ✉ Add to onboarding sequence Action · Email sequence ⊞ Create invoice (30-day terms) Action · Finance · Invoice - ✉ Microsoft Outlook sync Full two-way email sync via Microsoft Graph API — emails attached to the relevant contact or deal - ⬡ Real-time in-app notifications Powered by Supabase Realtime — instant alerts for deal activity, approvals, and workflow events - ◎ Support ticket system ✦ AI Built-in ticketing with AI triage, priority scoring, routing, and suggested resolutions Comms · Inbox KF Sarah · Karaka Foods Re: Enterprise rollout timeline 2m MG Alex · Meridian Group Signed proposal — ready to proceed 18m TW Jordan · Tidal Works Migration questions — a few blockers 1h AI Allwis AI ✦ 3 deals need follow-up today 8h 🎟 Open ticket TKT-0041 · Pine St Bakery — PAYE question ✦ AI suggested: Link to PAYE calculator guide - ⊙ Support ticket system ✦ AI Full-featured help desk with AI triage — classifies by product area, urgency, and sentiment before a human even sees it - ⬡ AI-suggested resolutions ✦ AI AI reviews each ticket against your knowledge base and past resolutions, and drafts a suggested response for agent review - ⟳ Workflow-powered escalations Auto-escalate by SLA breach, customer tier, or keyword — route to the right agent using the same visual workflow builder - ◫ CRM-linked context Every ticket is linked to the customer's contact and company record — agents see deal history, invoice status, and recent emails in one pane - ◎ Real-time notifications Powered by Supabase Realtime — agents see new tickets and customer replies the instant they arrive, no polling required Support · Ticket queue Open tickets 4 open · 1 urgent TKT-0048 · Karaka Foods NZ Urgent Payroll run failed — STP submission error ✦ AI: Likely STP gateway timeout — workaround ready TKT-0047 · Pine St Bakery Medium GST return figures don't match Xero import ✦ AI: Rounding diff in tax period — draft reply ready TKT-0046 · Tidal Works Low How do I set up multi-entity consolidation? Plus Jobs & Projects Timesheets Proposals & Quotes Payroll & HR · STP Phase 2 Task Management Custom Reports & BI Multi-entity Consolidation Portfolio & Investor Layer Concierge (double-tap Ctrl) SSO & Domain Auto-join Cultiver Marketplace Extensibility · Mobile · Marketplace ### Built to bend around how you work. No incumbent lets a small business reshape the platform itself. Allwis does — three ways. Use what's built in, vibe-code your own, or install from the marketplace. Pillar 01 · Built-in + vibe-code #### Vibe-code your workflows Describe what you want in plain English. Allwis builds it and runs it. No tickets. No waiting on engineering. - Visual builder with 10 trigger types - AI-powered action steps - Branching, delays, merge fields, webhooks - Live for non-technical staff ▸ You type "When a deal closes over $5k, send the proposal to legal and Slack me." ✓ Allwis builds Trigger → Branch ($5k+) → Email + Slack → Live in 30s Pillar 02 · Allwis on the road #### Field-ready PWA. Install from any browser. A real mobile experience — not a shrunken desktop. Built for sales reps, service techs, and anyone who works outside the office. - No app store · install from any browser - Voice notes in Australian English - Customer sign-off on-site (digital signature) - Works offline · syncs when you're back Good morning, Sarah 3 open visits today Call Visit Note Acme Corp Jane S. BuildRight Tom K. Northland Pita R. Pillar 03 · Cultiver Marketplace #### Install — or publish & earn. Businesses install industry packs and integrations in one click. Partners publish their own extensions — and get paid through marketplace billing. - Industry templates (trades, accounting, services) - Publish extensions · marketplace revenue share - Custom AI agents and workflow packs - One-click install · isolated per tenant ▸ Browse · Install · Run ⊞ Tradie Job Pack ★ 4.8 · 142 installs ◇ Practice Ignition Sync ★ 4.9 · 89 installs ⌥ Industry CoA — NZ Builders ★ 4.7 · 56 installs Launching H2 2026 Multi-entity & consolidation ### Run a whole group of companies as if it were one business Most platforms make you stitch separate accounts together with spreadsheets at month-end. Allwis treats the group as a first-class structure — spin up a new entity top-down, trade between them, and consolidate the full picture in minutes — across Australian, New Zealand, US and UK entities, with AU & NZ compliance built in at every level. - ⚡ Top-down entity provisioning Add a new company and Allwis builds its full chart of accounts, tax setup, and defaults from the group template in one click — no manual rebuild per entity - ⇄ Intercompany trading & elimination Bill, loan, and transfer between entities. At consolidation, matching intercompany balances and revenue are eliminated automatically so the group isn't double-counted - ◈ FX translation & unrealised profit deferral Mixed-currency groups translate to the parent's reporting currency. Profit on inventory or assets transferred between entities is deferred until it leaves the group - ◭ Non-controlling interests & ownership weighting Part-owned subsidiaries split correctly between the parent and minority holders, with net profit attributed by ownership share - ▦ Portfolio & investor layer Roll entities into a portfolio, track investor capital accounts — contributions and distributions — and report ownership-weighted net assets across the structure - ⊞ One ledger, every view Drill from a consolidated group report straight down to a single entity, account, or transaction — no exports, no reconciliation between systems Finance · Group consolidation worksheet Consolidated P&L — Allwis Group FY2026 🇦🇺 AU Pty $2.41m 🇳🇿 NZ Ltd $1.82m 🇬🇧 UK Ltd £0.74m Account Sum entities Eliminations Consolidated 4000 · Revenue $5.41m ($0.38m) $5.03m 1200 · Intercompany A/R $0.38m ($0.38m) $0.00 1500 · Transferred assets $0.92m ($0.06m) $0.86m 3900 · NCI share $0.21m $0.21m ✓ Intercompany balances matched & eliminated · FX translated · profit deferred Minutes Consolidation that used to take a month-end week 1 click Provision a new entity's full accounting setup Unlimited Entities, currencies & ownership tiers per group AU · NZ · US · UK Run entities across four jurisdictions, AU/NZ tax built in Ready for AUSTRAC Tranche 2 — in force since 1 July 2026 ### AML/CTF compliance, built in Australia's Tranche 2 reforms brought accountants, bookkeepers and tax agents under the AML/CTF Act on 1 July 2026 — and NZ accountants are already captured under the AML/CFT Act. Allwis gives your practice the whole programme in one place, sitting right next to the client records and ledgers you already keep. ##### Customer due diligence (KYC) Onboard clients with identity verification and beneficial-ownership capture for companies, trusts and partnerships — every check kept on a retained audit trail. ✓ AU & NZ · 7-year records ##### AI risk rating Scores each client low / medium / high against structure, jurisdiction, PEP exposure and screening hits, with a written rationale. The officer confirms the rating. ✓ AI proposes · You confirm ##### PEP & sanctions screening Screens clients and beneficial owners against PEP, sanctions and adverse-media lists through an integrated provider — and falls back to manual review, never a silent pass. ✓ Provider-integrated ##### Ongoing monitoring Re-screens clients automatically on a risk-based review cadence — high-risk far more often than low — and alerts the compliance officer the moment a match surfaces. ✓ Risk-based cadence ##### SMR & threshold reporting Raise and track Suspicious Matter Reports and Threshold Transaction Reports (cash ≥ $10,000), ready to lodge with AUSTRAC (AU) or the FIU via goAML (NZ). ✓ AUSTRAC & NZ goAML ##### AML/CTF program & AMLCO Hold your written Part A risk assessment and Part B procedures, designate your AML Compliance Officer, and keep the program on a scheduled review. ✓ Part A/B · Officer designated Allwis flags and drafts — a human always decides. Screening and reporting never auto-act. Quote →Cash Proposal · job · timesheet · invoice in one flow Any LLM Cloud or private · governed · runs in your environment Multi -entity Consolidation & FX across AU · NZ · US · UK entities 4 languages Work in English, German, Spanish or French ### Run your service business — or build the next thing on it Bring your accounting across, get your core features live in one business day, and run the whole group on one platform. Building on Allwis? The Partner Program is how developers and software companies publish to the Cultiver Marketplace. Book onboarding Apply to the Partner Program Australian-hosted · AU & NZ compliance included ============================================================================== # Modules URL: https://www.allwis.ai/modules.html ============================================================================== One platform, every module ## The modules that run your business Sales, finance, payroll, delivery, marketing and support — plus optional add-ons for websites, bookings, video meetings, memberships and accommodation. One system on shared data, context and AI, not a stack of disconnected apps. Book onboarding See every feature → Core platform ### Run the whole engagement From first enquiry to paid invoice — every core module shares the same records, so context follows each client across the business. #### CRM & Sales Kanban pipeline, enriched contacts, proposals and AI deal scoring — from first touch to closed-won. Explore features → #### Finance & Accounting A full double-entry ledger — unified invoicing, AI bank reconciliation, multi-entity and multi-currency. Explore features → #### Payroll & HR AU/NZ payroll with PAYE/PAYG, Super and KiwiSaver, STP, leave, pay slips and an employee portal. Explore features → #### Jobs & Time Job costing, timesheets and dispatch — with one-click time-to-invoice straight off an accepted proposal. Explore features → #### Marketing Form and landing-page builders, email sequences, workflow automation and Google/Meta ad sync. Explore features → #### Helpdesk Tickets with SLA timers, AI triage and reply drafts, inbound email-to-ticket, and a customer portal. Explore features → #### Compliance AML/CTF with KYC, PEP & sanctions screening and SMR/TTR reporting, plus GST/VAT returns for AU & NZ. Explore features → #### AI, built in AI AI works inside every module — scoring, auditing, suggesting and summarising, with a human always in control. Explore features → #### Platform & Admin Multi-tenant, multi-entity and secure-by-default — RBAC, custom reports and a business health dashboard. Explore features → Website & client apps ### A customer-facing website — with real modules behind it Build your site from starter templates with your branding applied automatically. Then bolt on booking, video meetings, memberships and accommodation as native modules — every enquiry, booking and payment flows straight into your CRM and ledger. #### Websites Multi-page websites built from starter templates with your branding applied automatically — a visual block editor with direct image uploads and a draft → publish workflow. Explore features → #### Bookings & Appointments Public booking pages with availability rules, calendar sync and reminders — customers pick a slot and the meeting lands on your calendar. Explore features → #### Membership Management NEW A member directory with plans, recurring dues and automatic renewal invoicing — billing recorded through the ledger. Explore features → #### Accommodation & Bookings NEW Run a property's stays — units, an availability calendar, and reservations that create a guest contact and post to your real chart of accounts. Explore features → #### Video Meetings NEW Private peer-to-peer video calls for up to six people — media flows directly between participants and never touches a server. Instant calls from meetings, contacts and deals, plus booking links that meet on Allwis Video. Explore features → ### One platform. Every module. Tell us about your business and we'll show you what it looks like running on one platform. Book onboarding ============================================================================== # Features URL: https://www.allwis.ai/features.html ============================================================================== The whole platform ## Everything Allwis does One product in place of the whole stack — CRM, accounting, payroll, marketing, proposals and helpdesk — with AI built into every module. Here's the full picture. Book onboarding ← Back to overview ### CRM & Sales From first touch to closed-won, on one pipeline with the context already attached. #### Organisations & Contacts Companies and the people inside them, auto-filled from Google Places and enriched from LinkedIn so records start complete. #### Revenue by Client See what each organisation has actually been worth — the ex-tax value of every invoice you have issued them — right on the contacts list, and order the list by it. Highest first finds the clients worth protecting; lowest first surfaces the ones you have never billed at all. #### CSV & Excel Contact Import Bring organisations and people in from any system — columns like company, contact name, email, phone and address are detected and mapped automatically, with a review step before import. #### WhatsApp a Contact Message a contact on WhatsApp straight from their record — the number and your draft open in your own WhatsApp, and the outreach lands on the contact's timeline. #### Document Requests Send a client a checklist of the documents you need. They upload each one in their portal, you accept it or send it back with a reason, and the request closes itself when everything required is in. Reminders go out on the cadence you choose, so nobody has to remember to chase. #### ARR & Movement Analysis Annual recurring revenue as at any date, and a bridge explaining every dollar of the change between two dates — new logos, reactivations, upsells, price rises, price cuts, downgrades and churn — plus net and gross revenue retention. Multi-year contracts carry dated price steps, so an annual uplift is reported as the uplift it is. Figures are stated in one currency at one rate, so exchange movement is never mistaken for commercial performance. #### Sales Pipeline A drag-and-drop Kanban with enforced stage progression, full stage history, MRR tracking, and forecast categories. #### Custom Pipeline Stages Name your own sales stages and put them in the order you actually sell in. Each entity can run the default pipeline or define its own, so a group company that sells differently isn't forced into someone else's process. Won and Lost stay fixed, because invoicing and commission depend on them. #### AI Deal Scoring AI AI scores each deal and suggests the next step, so reps work the opportunities most likely to close. #### Quotes & Proposals Template-driven proposals with public approval links that auto-generate an invoice — and optionally a job — the moment they're accepted. #### Raise a Proposal From Anywhere Start a proposal straight from a deal or a client record. The client, contact and the deal's products and services are carried across, and the finished proposal links back to the deal it came from. #### Edit the Proposal Text Rewrite a proposal's wording as reorderable blocks of text and bullet points, with the priced items placed wherever you want them. Every change carries through to the client's web version, the PDF and the Word download. #### Proposal Document Export Download any proposal as an editable Word document or a signable PDF, branded to the issuing entity. #### Deposits on Acceptance Require an up-front deposit — a percentage of the total or a fixed amount — collected the moment a proposal is accepted, as a partial invoice or a card charge. #### Customer Credit Limits Set a credit limit per customer; when accepting a proposal would push their outstanding balance over it, the acceptance is recorded but the job and invoice are held for a credit review before any work is committed. #### Email Sync Outlook / Microsoft Graph two-way sync threads customer email against the right deal and contact automatically. #### Search Your Synced Mail Find a message by who sent it or by what it says — sender name, address, subject or the body of the email — across everything synced, not just the latest page. Results carry the contact, organisation and deal each message is filed against, and searching for a person also finds the mail filed to them. #### AI Email Triage & Draft Replies AI AI summarises each inbound email, flags whether it needs a response, and drafts an editable reply — edit it and send straight from Allwis through your connected mailbox, or mark the email done or irrelevant to clear it off the list. #### Add the Sender as a Contact A new face at a client you already deal with becomes a contact in one step, without leaving your inbox. Their name is read off the email, their organisation matched on the sender’s domain — or created alongside them — and the message is filed against the new contact, as is everything else they send from that address. #### Raise a Deal From an Email AI Turn an enquiry into a pipeline deal from your inbox. AI reads the message and drafts the deal — title, type, the buying context, a close date when the email implies one, and a price only when the email states one — matches the sender to an existing organisation or offers to create it, and warns you if that organisation already has an open deal. You edit the draft before anything is saved, then go straight on to a proposal. #### Unified Calendar One month, week or agenda view across every connected account, plus your bookings, task due dates, guest stays and compliance deadlines on the same grid. Add an event here and it lands on the account you choose, with a meeting link and invitations if you want them. #### Google Calendar Sync Connect as many Google accounts as you like alongside Outlook. Events sync both ways: what changes in Google shows up here, and an event you add here lands in Google with a Meet link and invitations. #### AI Call & Meeting Notes AI Paste a transcript from your notetaker — or type up what was said — and AI writes the summary onto the contact's timeline, remembers what was agreed, and turns every commitment your side made into a task with a due date. #### Click-to-Call Call a contact from their record. Allwis rings you first, then connects you, so the person you're calling never waits on a silent line. Every call is logged against the contact and deal. #### Call Recording & Consent Record calls if you choose to, with an announcement the other party hears before connecting — or require them to press 1 first, for places where every party must consent. Recording stays off until you turn it on, and recordings are deleted automatically once your retention period is up. #### AI Call Transcription AI Recorded calls are transcribed with speaker labels, then summarised onto the contact's timeline with tasks for the follow-ups you committed to — the same as pasting in a transcript by hand. #### Record Video Meetings Record a meeting held in Allwis and get the same summary, timeline entry and follow-up tasks. Everyone in the room sees a recording indicator while it runs, and the recording is deleted once your retention period is up. #### Bring Your Own Notetaker Already use Fireflies, Otter, Gong, Zoom or Teams? Push those transcripts into Allwis over the API and they're summarised and turned into tasks exactly like everything else. ### Finance & Accounting A full ledger — not a bolt-on. Bank to balance sheet, multi-entity and multi-currency from day one. #### Unified Invoicing Incoming and outgoing invoices in one table with a draft → approve → send → paid workflow and atomic payment recording. #### GST-Free Export Sales Invoices raised to overseas customers default to the GST-free export rate — wherever they come from: manual invoices, closed deals, jobs, timesheets, repeating invoices, event tickets or accommodation bookings. A rate you pick by hand is never overridden. #### AI Invoice Audit AI AI reviews incoming bills during approval and flags anomalies — it never silently changes amounts. Findings are AI-generated, so any of them can be re-run: ask for a fresh reading against the current bill, or against a different AI provider you've configured. Every run is kept with the model that produced it. #### Duplicate & Statement Detection AI Email-imported documents are classified (invoice vs statement vs receipt) and cross-checked against bills already on file, so a supplier statement can't be paid twice. #### Bank Reconciliation CSV / OFX upload with AU/NZ bank-format detection plus the Wise API, reconciled against the ledger. Transfers between group entities post mirrored intercompany journals automatically, and a balance explainer breaks any statement-vs-ledger difference into named causes with guided fixes. Code a GST treatment as you reconcile — defaulted from the account, correctable after the fact, and split out to your GST accounts so it reaches the return. A printable Bank Reconciliation Summary shows ledger balance against imported statement balance as at any date. #### Payment Reminders AI Chase an overdue invoice in one click, or ask the assistant to chase every overdue account at once and approve the list before anything sends. The wording is drafted for you and firms up the longer an invoice goes unpaid, and every reminder is kept against the invoice so you can see what a customer has already been sent. #### Wise Bill Payments Pay approved bills straight from your Wise balance, or queue them into a Wise batch to be approved in the Wise app before any money moves — the payment reconciles itself once it settles. #### Supplier Detail Chasing AI Bills are checked the moment they arrive for the details a payment will need — bank account, SWIFT/BIC, and the supplier's postal address for international transfers — and the sender is automatically emailed a list of exactly what to fix and resend. If a gap only surfaces at pay time, one click asks the supplier from the payment screen. #### Bills Get Confirmed on Arrival Email a bill to your import address and whoever sent it gets a reply confirming it arrived — and, if anything needs fixing, exactly what: a missing ABN or invoice date, no bank details, lines that don't add up to the total, an invoice you already hold, or an attachment that couldn't be read. One reply per email, sent under the receiving company's name, and repliable — a corrected invoice sent back re-enters the pipeline. Switch it off per company if you'd rather stay quiet. #### AI Categorisation & GL Suggestions AI AI proposes the right account for bank transactions and journal lines; a human confirms before posting. #### Chart of Accounts & Journals A full chart of accounts with manual and automated double-entry journals and audit trails. Manual journals carry a GST treatment per line — tax inclusive or exclusive — so an adjusting entry reaches the GST return instead of disappearing from it, and can be flagged to show on cash-basis reports when the journal records money that actually moved. #### Audit Log Every create, change, delete and approval across your financial records, filterable by person, date, record type or the record itself — and showing what actually changed on it, field by field, old value to new. Export the filtered trail as CSV for a reviewer or an auditor. #### Spreadsheet Workpapers Build schedules and calculations in a built-in spreadsheet and attach them to journal entries — each attachment freezes an immutable copy, so the numbers behind an entry can't silently drift. #### Industry-tailored starter chart of accounts New entities start empty; generate a standard chart of accounts tailored to the entity's industry and country in one click, or import your own from Xero, QuickBooks or CSV. #### Purchase Orders & 3-Way Match Raise POs, receive against them, and match incoming bills on order ↔ receipt ↔ invoice — optionally blocking approval of any bill that exceeds the PO amount or the quantity received, beyond a set tolerance. #### Purchase Orders from Emailed Quotes AI A supplier's quote arrives in your inbox; raise the purchase order from it without retyping a line. The quote's PDF is read for the supplier, reference, validity date and every priced line, each coded to a suggested account, and an expired quote or a currency that isn't yours is called out. You review the whole order and it saves as a draft — nothing is sent to the supplier on its own. #### Verified Vendor Bank Details A supplier's payout account must be verified once before any Wise payment, and a bill whose bank details differ from the verified account is flagged as possible invoice-redirection fraud instead of being paid. #### Revenue Recognition Spread invoiced revenue across the period it is actually earned in — straight-line across a subscription term, on a delivery date, or by milestone for services. The contract dates already sit on the deal behind the invoice, so scheduling one is a confirmation rather than data entry. A monthly run posts the journals, and a deferred revenue rollforward shows opening, deferred, recognised and closing beside the ledger balance, so the two can be seen to agree. #### Financial Reporting P&L, Balance Sheet, Cash Flow, Aged Receivables and GST/VAT returns, exportable as PDF, Excel or CSV — amounts export as plain numbers, so a downloaded report drops straight into your own formulas. #### Comments & Tasks on Report Figures Click any figure on a report to leave a comment on it, the way you would in a spreadsheet, or raise a task against it that lands in the normal task list and assignee's inbox. A corner marker shows which figures already carry one, comments are stored per figure and per period so they can be listed and searched later, and a note records the number it was written against in case a later journal moves it. #### Allwis for Excel & Google Sheets Insert any report — statements, budget vs actual, or your own custom reports — into your own workbook as a live table with a native chart, and refresh it in place. It runs as you, so it returns exactly what your permissions already allow, and signing in uses a one-time code rather than storing a password in the file. #### AI Commentary on Reports AI Add a column of short plain-English notes to any report, written by AI from the figures already on the page. It never states or recalculates a number, the column is labelled as AI-written wherever it lands — including in Excel and Google Sheets — and it can never be summed into a subtotal. #### Planning & Budgets Monthly budgets and forecasts drafted from your own journal history plus contracted subscriptions and stage-weighted pipeline — refined in an editable grid, with one-click rolling re-forecasts, a monthly budget-vs-actual report (single entity or group roll-up, with PDF/Excel export) and off-plan alerts. Any budget, forecast or scenario can also be dropped straight into the Profit & Loss as a comparison column, beside prior periods. #### Planned Balance Sheet & Cash Flow Turn a budget or forecast into a full projected balance sheet and indirect cash flow statement. Your actual balance sheet the day before the plan starts is rolled forward by the planned result, debtor/creditor/inventory days, and a schedule of capital spend, depreciation, debt, capital and distributions — with cash derived as the balancing figure, so the projection balances by construction and says so on screen when it does not. Compare any month against the real balance sheet as another column. #### Scenarios & AI Planning Advisor AI Model what-ifs against a plan — revenue pushes, price rises, new hires — with live profit, margin and indicative cash impact, then promote the winner into the plan. AI reviews plans, scenarios and monthly variances and proposes refinements you accept or dismiss; it never changes numbers itself. #### Month-End Close A close cockpit that checks bank reconciliation, drafts, depreciation, FX revaluation, payroll and intercompany balances, then locks the period against back-dated posting. #### Multi-Entity & Multi-Currency Run a group of entities each in its own currency, with foreign-exchange handling, AU/NZ GST/VAT, and per-entity charts of accounts, tax rates and product catalogs built in from day one. #### Guided Setup for Every New Entity Adding an organisation opens its own setup checklist — chart of accounts, tax rates, data import, opening balances, bank accounts, intercompany pairs and team access — tracked per entity, so the second and tenth organisation get the same guided start as the first. #### US, UK & German Entities (early access) Add a US, UK or German subsidiary to your group: USD/GBP/EUR books on a local chart of accounts, local-format invoices (EIN / VAT number / USt-IdNr), and a jurisdiction compliance calendar (US: Forms 941/940, W-2, 1099-NEC; UK: VAT, PAYE/NIC, Corporation Tax, Companies House; Germany: USt-Voranmeldung, Körperschaft- & Gewerbesteuer, Bundesanzeiger). #### Multi-Entity Consolidation FX translation, intercompany elimination and non-controlling interest, rolled up into one set of group reports. #### Intra-Group Trading Eliminated Automatically Tell Allwis which customer records are your own group companies and invoices between them post straight to intercompany accounts — so consolidation removes the sale and the purchase as well as the debt, and group revenue never counts what the group billed itself. #### Investment Elimination with Goodwill and NCI Enter what each subsidiary cost and when you acquired it, and Allwis prices the entry that cancels the parent's investment against the capital it bought — pre-acquisition equity only, goodwill or a bargain-purchase gain, and non-controlling interest at either its share of net assets or fair value — for review before anything is posted. #### Consolidated Trial Balance Workpaper The working paper behind the group figures: one row per account, and for every organisation what its own ledger says, the exchange rate applied and the translated amount — then the eliminations and the group total. Each elimination opens to the adjustment behind it, and the debit and credit checks are stated on the page. Exports to Excel with a second sheet laid out for pivoting. #### One View Across Every Client You Advise Accountants and bookkeepers working across several organisations get a single client list showing what is waiting in each — transactions to reconcile and how far back they go, invoices and bills awaiting approval, and overdue receivables in that client's own currency — sorted busiest first, with one click into any of them. #### Tracking Categories User-defined dimensions (property, region, department, …) tagged onto journal, invoice and bank lines — per line, per whole invoice, or applied automatically from defaults held against the product sold, the job or deal the work belongs to, or the supplier a bill came from — exposed as filters across reports, with configurable allocation of shared amounts (in full, equal split, or proportional to an account group). #### Migrate from Xero, Zoho Books, MYOB or QuickBooks Bring your chart of accounts, contacts, opening balances and historical account transactions across — a direct Xero or Zoho Books API import, or a guided CSV import for any other system. #### Guided cutover planning Choose your cutover date and how many prior financial years you want, and the wizard works out the rest — which period comes across as a summary, which needs transaction detail, and the date your trial balance has to be taken so a year's profit isn't counted twice. Every later date field is filled in for you. #### Go-live reconciliation report A standing report, alongside your P&L and Balance Sheet, that proves the cutover tied out — opening balances, control accounts and migrated totals checked against the ledger, each line marked pass, review or fail, and exportable as cutover evidence. Read-only: it never posts an adjustment. #### Parallel-run top-ups Keep your old system running alongside Allwis for as long as you want to. Each month, upload a fresh export and Allwis tells you what is new before it imports anything — what it already has, what has been edited since, and what it would bring in. Overlapping dates are safe, and it refuses outright if importing would double-count something you have already entered in Allwis. #### Migration verification After a Xero import, compare your Allwis ledger against Xero account by account — balance sheet balances and financial-year P&L movement — with variances flagged and P&L and Balance Sheet totals side by side. ### Payroll & HR Pay people correctly in Australia and New Zealand, with the compliance built in. #### PAYE / PAYG Payroll Pay runs with PAYE/PAYG tax, KiwiSaver and Superannuation calculated for each employee. #### ABA Direct Entry & STP Export an ABA direct-entry file for AU pay runs and report through Single Touch Payroll. #### Leave & Pay Slips Leave management, accruals and per-employee pay slips. #### Commission Tracking AI Auto-calculated commission on paid invoices, AI-audited and held for human approval before payment. #### Employee Portal A self-service portal where staff view pay slips, leave balances and timesheets. Link a team member's login to their payroll record and they go straight in from Allwis; contractors get the same portal with leave left out. #### Smart Expense Claims AI Staff snap a photo of a receipt and AI reads the merchant, amount, date and category to prefill the claim, ready for approval. #### Payroll Onboarding & Migration Bulk-import employees and opening leave balances from a CSV or Excel export with automatic column mapping, and record mid-year YTD opening balances so cutover from a previous payroll system reports correctly. #### Employee Contracts & E-Signing Generate contractor and employment agreements from each employee's record — using your own contract template with merge fields, set per entity or org-wide, or the built-in standard form. Send for signature natively or via DocuSign, and optionally block payment until the contract is signed. ### Jobs & Time Quote it, schedule it, do the work, and bill the time back out — without re-keying anything. #### Jobs & Costing Job costing with phases and utilisation tracking, created straight from an accepted proposal. Group a job into phases with their own hours and fee budget, then invoice a whole job, a single phase, or just the tasks you pick — with progress billing that never double-bills a task and traces every line back to its task and phase. Work-in-progress — work delivered but not yet billed — surfaces as a dashboard metric that drills through to the unbilled jobs. #### Raise a Job From a Won Deal Not everything gets quoted. When a deal is won on a handshake, a renewal or a phone order, raise the job straight from it in one click — the title, notes, customer, contact and one-off value carry across, filed against the same entity the deal will be invoiced from. Work sold without a proposal still gets a job to book time to, and the deal shows every job delivering it whichever way it was raised. #### Timesheets Time entry against jobs, with a submit-and-approve step before hours are billed and one-click time-to-invoice billing. #### One-Tap Time Logging A start/stop button on the dashboard, on your phone and in the employee portal. Start the clock without choosing a job first, say what you were doing, and file the hours against a task later — so time gets recorded when the work happens rather than reconstructed at the end of the week. Employees without an Allwis login can log hours from the portal too. #### Rebuild a Day You Forgot to Track Pick a day and Allwis reconstructs it from what it already recorded — the meetings you sat in, your calendar, the mail you sent and the records you changed — drawn as a timeline and grouped into blocks you can log with one click, with the client already attached where it knows one. Drag across a block to split a stretch you spent on two clients; each half keeps its own client and task. It only ever reads your own activity, and nothing is stored until you accept it. #### See the Hours You Forgot to Bill Your timesheet says which hours you logged; this says which ones you didn't. Allwis compares the week's logged time against the work it can actually see — meetings, sent mail, records you changed — and shows what has nothing booked against it, day by day, before you send the week for approval. #### Contractor Self-Billing Set someone up as a contractor with their own pay rate, supplier record and expense account, and Allwis raises the bill you owe them from their approved hours — automatically on approval if you want it. Issued as a recipient-created tax invoice against the entity that owns the job, with the self-billing agreement and their tax registration recorded on it. #### Dispatch Schedule and assign jobs to the field team. #### Tasks A shared to-do list that threads across deals, jobs and tickets. Assign a task to one person or to several — teammates and portal contacts together — and filter the inbox by task type or by who it belongs to. #### Teams Group employees and contractors into teams — Support, Payroll, the field crew — and hand work to the team instead of naming one person. It lands in every member's inbox, and it follows the team: add someone and they pick up the open work, remove them and it leaves. #### Task board See the same tasks as a board instead of a list, in columns you name yourself — “Waiting on client”, “Ready to review”, whatever your team actually says. Drag a task from one column to the next, choose which column new tasks start in, and reorder or rename columns whenever the way you work changes. ### Marketing Capture demand and nurture it automatically — builders, sequences and ad sync in one place. #### Form Builder Drag-and-drop forms with seven starter templates that feed straight into the CRM. #### Instant Lead Alerts Email, SMS or WhatsApp the moment a form is submitted — and answers can auto-classify the organisation (e.g. Partner Prospect). #### Landing Pages A visual landing-page editor with three templates and direct image uploads, published on public URLs. #### Smart Contact Lists AI Build audiences by hand, or describe them in plain language and let AI turn it into a live filter — target contacts by CRM and finance data (contact type, sales stage, lifetime value, overdue invoices) and your own custom fields. #### AI Campaigns (Outreach) AI Describe your message and let AI draft the email or SMS; pick a list, see exactly who it reaches, review and edit. Built on your CRM data, with consent re-checked before every send. #### Outreach Plans AI The opposite of a mass send: pick the handful of people worth a personal note, and write each one from what you already know about them. Import your own LinkedIn export — your connections and your message history — and Allwis ranks who to approach on dated evidence: someone who has just changed job, a conversation you never finished, a role that fits. Each draft is shown beside the facts it was built from, so you can check it in seconds, then approve, edit, snooze or reject it one at a time. Nothing is sent automatically; approved text is handed back to you to send yourself. #### Email Sequences Multi-step sequences with branching and A/B testing. #### Workflow Automation A visual builder with ten action types to automate follow-up across the platform. #### PPC Sync Google Ads and Meta Ads spend and performance synced back into reporting. ### Helpdesk Turn inbound questions into tracked tickets your customers can follow. #### Ticket Management Tickets with SLA timers, priority and assignees. #### AI Triage & Reply Drafts AI AI prioritises and routes new tickets, and drafts a suggested reply — pulling from similar resolved tickets — for the agent to review and send. #### Inbound Email Tickets Customer emails become tickets automatically via the inbound webhook. #### Customer Portal A public, cookie-less portal where customers raise and track their own tickets — served at a clean per-business link and branded with that entity's name. ### Compliance Meet AU and NZ obligations without leaving the platform. #### AML / CTF Customer due diligence (KYC), risk rating, PEP & sanctions screening, ongoing monitoring and SMR/TTR reporting for AUSTRAC (AU) and DIA (NZ). #### GST / VAT Returns GST/VAT calculated through the ledger and produced as a filing-ready return, on a cash or accrual basis — with the basis stated on the return and its exports. #### GST Audit Report Every GST-coded transaction behind a return, grouped as GST on income, GST on expenses, GST-free and BAS excluded, with a reconciliation back to the return. Exports as its own file or as a second sheet on the return's workbook. #### Retrospective Entries Every record carries the date you typed and the date it was written. This lists the ones where those disagree in a way that matters: an entry written into a period whose return was already lodged, or into a period that was already closed, or more than 90 days after the fact. Whether a period counted as locked is judged as at the day the entry was written, so ordinary catch-up bookkeeping stays quiet. #### Director Penalty Exposure For Australian entities: the unpaid PAYG withholding, GST and super guarantee charge that can be recovered from a director personally, separated into what can still be remitted by reporting it in time and what has already locked down. Shows the date each window closes and attributes every amount to the people who held office when it arose — including directors who have since resigned, and new directors who inherit an unpaid debt after 30 days. ### AI, built in AI works inside every module — scoring, auditing, suggesting and summarising as you go. #### Allwis Concierge AI Tap Ctrl twice anywhere — or use the Ask button on your phone — to open a command bar that turns plain English, typed or spoken, into a planned, confirm-before-run action across the app, with ready-made example prompts matched to your role. Edit or drop any step before you run it, and multi-step plans link the records they create to each other. It prices what you sell from your own catalogue, accommodation rates and ticket types, so an invoice line lands coded to the right product and revenue account instead of as loose text — and it can hold accommodation dates for a guest, checking availability before anything is written. It reaches the general ledger as well: describe a journal in words and it looks the accounts up, checks the debits against the credits and posts it, or finds an entry you describe by date and reference and reverses it — refusing to reverse one twice. It handles your settings too: ask it to switch the theme, or to give a colleague access to a module, and it makes the change rather than pointing you at the page. It knows your workspace's own names — your entities, facilities and tracking categories — so a half-remembered or misspelt name still lands on the right record. And it plans ahead: ask for a budget or a forecast built from last year's figures and it creates the plan in Planning, seeded from your actuals and ready to refine. #### Daily Briefing AI Each morning AI reads what changed across your business and delivers a short narrative with suggested actions — in the app, and by email if you opt in. #### Dashboard Insights AI AI reads your live numbers for the period you're looking at and writes the handful of things worth acting on. Open any one for the reasoning behind it and a button straight to the screen where you fix it. #### Instant Business Briefing AI The moment your data import finishes, AI reads your books and hands you a state-of-your-business summary — cash position, overdue receivables, top customers, pipeline and a 13-week cash-flow outlook. #### Invoice Extraction AI PDF bills are read and turned into structured invoice data on upload. #### Refine Long Documents AI Ask AI to check the merge fields, tidy the layout or make the terminology consistent in a contract template, proposal template, help article or compliance program. Each correction is proposed separately with a reason — you accept the ones you want, and nothing changes until you do. #### Email Summarisation AI Long threads are condensed to the decision and the next step. #### AI Decision Log AI Every AI suggestion is logged with retries, a circuit breaker and structured reasoning for auditability. #### AI Spend Dashboard AI See your AI cost, call volume, error rate and spend-over-time by task type and provider, from a durable daily rollup. #### AI Spend Budgets AI Set a monthly AI budget for your workspace with an alert threshold, and optionally hard-stop AI calls when the cap is reached. #### Per-Task AI Controls AI Enable or disable individual AI tasks, force PII masking, and cap the output tokens each task may use. ### Platform & Admin Multi-entity, multi-currency and secure-by-default — the foundation under everything above. #### Business Health Dashboard One status page that scans accounting integrity, lodgement deadlines, AML/KYC and access security, ranks every finding by severity, and links straight to where you resolve it. #### Multi-Tenancy & RBAC Row-level-security isolation per tenant with role-based access control on every module. #### Login Recovery Move your sign-in address when the old mailbox is gone. Confirm from the new address with your password — no link to click in an inbox you can't open. If you're locked out entirely, an admin on your team can start it for you, and the old address is always notified with a one-click cancel. #### Bring-Your-Own AI & Data Governance Choose your AI at sign-up: paste one provider key or several — every key is verified with a live test call before it is saved — plan a self-hosted model, or skip and start on an included monthly AI Haiku allowance — no key required. Point AI features at your own provider key or a self-hosted model anytime. Turn on self-hosted-only mode to keep prompt data on infrastructure you control, or disable the shared-model fallback so a request fails closed rather than leaving your boundary. #### Self-Hosted AI Connector Run a model on your own network without exposing it to the internet. A small agent beside your model dials out to Allwis over HTTPS — no inbound port, no firewall change, works behind NAT. Works with Ollama, LM Studio, vLLM, or anything speaking the OpenAI chat-completions format. Install it from inside Allwis: download one file for Windows, macOS or Linux and it installs the model server, downloads the model, and sets itself up to start with the machine. Benchmark your own model against the cloud providers on the same tasks before you route production traffic to it. #### Ask For A Report AI Type what you want to see in plain English and get it back as a chart and a table straight away — no builder, no publishing step. Follow-ups work on what is already on screen ("only this quarter"), and every answer shows the query behind it. It can only reach the parts of your data your own permissions already cover, so an answer never contains something you could not have opened yourself. Admins can keep a good one as a published report. #### Custom Reports & Dashboards Build dashboards and custom reports over your own data, with defined audiences. Define your own KPI metrics — filtered aggregates or formula calculations that combine existing metrics, like Profit = Revenue − Total Expenses — and pin them to your dashboard. #### Branding Your logo and identity across portals, proposals, invoices and emails. Suggested heading/body font pairings — modern, editorial, friendly, classic and minimal — ranked against your palette and site copy, one click to preview and apply. #### Guided Setup A setup hub tracks your configuration progress automatically — chart of accounts, tax rates, team, payroll, banking — with a dashboard progress nudge and step-by-step guidance on every module's first-run screen. #### Playbooks A "Make the most of Allwis" hub tells the story of shipped workflows — like fully automated supplier bills — in three steps each, detects when a workflow is live in your workspace, and deep-links to where you switch it on. #### ABN Lookup Auto-fill Search the Australian Business Register during setup — legal name, ABN, business structure and GST status auto-fill and verify as you type. #### Integrations Xero and QuickBooks migration, Microsoft Outlook, Stripe & Stripe Connect, Wise, Google Places, Proxycurl and Resend. #### Developer API & MCP Server Public REST API with an OpenAPI 3.1 spec, scoped tokens, batch imports and idempotent retries — plus a Model Context Protocol endpoint so AI agents can drive migrations and integrations as tool calls. ### Optional add-ons Modules any workspace can switch on the day the business needs them — from peer-to-peer video calls to full AML compliance. #### Compliance & Trust Adopt SOC 2 or ISO 27001 and track your team's progress against every control, with SOC 2 Common Criteria and ISO 27001 Annex A pre-loaded. Gets you audit-ready for an independent auditor — it is not itself a certification. #### Video Meetings Private peer-to-peer video calls for up to six people — media flows directly between participants and never touches a server. Start an instant call from a meeting, contact or deal, share a guest link, or point your booking links at Allwis Video instead of Teams or Meet. #### Bookings & Appointments Public booking pages with availability rules, calendar sync and reminders — customers pick a slot and the meeting lands on your calendar. Share a link across the team and it offers any time at least one of you is free, then hands the booking to the first available person in the order you set. #### Websites AI Customer-facing multi-page websites built from starter templates with your branding applied automatically — a visual block editor with direct image uploads and a draft → publish workflow. Generate a site with AI or rebuild one from an existing website — its text, photos and brand colours come across together, without touching the branding on your invoices — then edit any page, or a single block, from a plain-language prompt, and undo any change from the page's saved version history. Share a draft with outside testers through expiring, revocable preview links, and collect their feedback right on the page before you publish. Publish on your own domain name: copy the two DNS records we show you into your registrar and the HTTPS certificate is issued automatically, with the plain and www versions pointing at the same site — and the browser tab shows your icon, not ours. Visitor numbers are built in: see how many people visited each site and where they came from, measured without a third-party tracker and without setting a cookie. #### Outreach (AI Campaigns) AI AI-first email and SMS campaigns built on your CRM data — describe the message, review the draft and exactly who it reaches, then send with consent re-checked at send time and engagement fed back into deal scoring. #### Unified Inbox AI Email from all your connected mailboxes in one place, sorted into Needs you / FYI / Noise by AI — reply without leaving Allwis, or mark items done or irrelevant to clear the lane. #### Discussions Internal team discussion with open channels for the whole workspace and private, membership-restricted channels. #### Planning AI Budgets, forecasts and what-if scenarios drafted from your own journal history, with budget-vs-actual variance tracking and an AI advisor that proposes refinements you accept or dismiss. #### Subscription Billing Recurring billing for plan-based customers — each billing cycle drafts the invoice automatically. #### Membership Management A member directory with plans, recurring dues and automatic renewal invoicing. #### Accommodation & Bookings Run a property's stays — units, an availability calendar, and reservations that create a guest contact and post to your real chart of accounts. Sell extras alongside the room from your product catalogue, so a private chef or an airport transfer bills to its own revenue account instead of pretending to be a bedroom. Calendars sync both ways with Airbnb, Booking.com and Vrbo: publish an iCal feed of your bookings so they block the same dates, and import theirs so a night sold on a listing site stops being bookable here. A guest who submits a booking request from your website gets an instant confirmation email with the stay details, so nobody is left wondering whether it went through. #### Events & Ticketing Create ticketed events and sell tickets on your public website with Stripe checkout — every order raises a real invoice posted to your chart of accounts, buyers get their tickets by email with a calendar invite, and attendees land in your CRM. Every event shows you the card a visitor will see before you publish it, and tells you which pages of your website list it — so an event can't quietly go live to nobody. #### Inventory Multi-location stock tracking with reorder thresholds and an append-only movement log. #### Fixed Assets An asset register with straight-line depreciation, month-end posting and disposal tracking. #### AML/CTF Compliance Customer due diligence (KYC), risk rating, PEP & sanctions screening, ongoing monitoring and SMR/TTR reporting for AUSTRAC (AU) and DIA (NZ). ### Connects with Xero Zoho Books Microsoft Outlook Stripe Wise Google Places ABN Lookup Google Ads Meta Ads Resend Built for multi-entity service businesses — accounting and bookkeeping firms, family offices, private equity, and field-service operators — with multi-currency and AU/NZ tax handling built in. ### Stop stitching tools together Tell us about your business and we'll show you what it looks like running on one platform. Book onboarding ============================================================================== # Onboarding — how it works URL: https://www.allwis.ai/how-it-works.html ============================================================================== Getting started ## Onboarding with Allwis From a fresh sign-up to your first invoice — what happens at each step, what's optional, and where the guidance lives once you're in. The short version. Sign up, answer a few questions about your business, and the setup wizard tailors the platform to how you work. It takes about ten minutes, every step can be skipped, and a checklist inside the app tracks whatever you leave for later. You only ever see the modules you turn on. ### 1. The setup wizard Every new account starts in a short guided setup. Nothing here is a commitment — everything the wizard configures can be changed later from Settings. - #### Your organisation Find your business on Google or the Australian Business Register and the details fill themselves in — or type them manually. No business name yet? Use a working title and rename it whenever the real one lands. - #### Business type Tell us whether you run projects, sell services by the hour, sell products, or bill subscriptions — the dashboard, metrics and module suggestions adapt to match. - #### Modules The wizard suggests modules for your business type, pre-ticked. Untick anything you don't want; add anything it didn't suggest. Nothing you leave off ever appears in your workspace. - #### AI & payments Choose which AI runs your smart features — including a model you host yourself, so customer data never reaches a third-party AI vendor — and optionally connect Wise for payments. - #### Accounts & banks Import your existing data, start from a standard AU/NZ chart of accounts, or start blank — then add your bank accounts, from Wise or manually with opening balances. ### 2. The Setup Hub picks up the rest After the wizard, the app's Setup Hub gives you a checklist for everything else, tracks your progress automatically, and marks what's required versus merely recommended. You can do the items in any order, and come back any time: - Logo & branding - GST / tax rates - Default payment terms - Team members & permissions - Products & services - Employees & payroll - Bank feeds - Online payments Your logo, once uploaded, flows everywhere it should — invoices, proposals, and the client portal. If you gave the wizard a website, Allwis reads your brand colours from it and offers to apply them to your workspace. ### 3. You only see what you turn on The core — CRM, invoicing, accounting, reporting — is always there. Everything else is an optional module: off by default, invisible until enabled, and switchable at any time from Settings. A no-frills service business stays no-frills. Accommodation & bookings Events & ticketing AML/CTF compliance Websites Unified inbox Team messages Payroll Inventory Memberships Subscription billing Planning Outreach The full list, with what each module does, is on the Modules page. ### 4. Starting without a name — or without a website You don't need a settled business name, a logo or a website to start. Enable the Websites module and publish a customer-facing site from a starter template — or describe your business in a sentence and let AI generate the pages, with your branding applied automatically once you have some. Rename the organisation, swap the logo and rebuild the site as often as you like; nothing downstream breaks. ### 5. Coming from another system? If you already run your books elsewhere, the migration wizard brings across your chart of accounts, contacts, opening balances and history — connecting directly where the system supports it, and reading exports or CSV where it doesn't. What comes across from where, what's live on day one, and how the one-business-day guarantee works are all spelled out on the go-live checklist . Want to see it first? Book onboarding and we'll walk the setup through with you, on your own data. ============================================================================== # Go-live checklist & guarantee URL: https://www.allwis.ai/go-live.html ============================================================================== Go-live ## The go-live checklist What is live on day one, what we bring across from the system you use now, what is onboarded afterwards, and exactly what the guarantee covers. The short version. Core features are live within one business day — either self-serve with AI-guided onboarding, or with our customer success team doing it alongside you at no charge. Closing the books, tax filings, bank reconciliation and payroll are onboarded separately, at the pace needed to get them right. We bring balances, not archaeology: your full history stays in your existing system, read-only, for reference. ### 1. Live on day one These are running, with your data in them, by the end of the first business day: - CRM and sales pipeline - Jobs and proposals - Timesheets - Client portals - Website and forms - Helpdesk - AI invoice processing - Chart of accounts, opened at the right balances ### 2. What we bring across, and how There are three ways in, and which one applies depends on the system you are coming from. The distinction is worth stating plainly rather than flattening it into a single claim: two systems connect and pull straight across, two more have file formats we have built specific handling for, and anything else comes in by CSV. From | How | What comes across | Xero | Connect | Chart of accounts, contacts, opening balances and invoices over the API. Historical profit & loss and journals in the history step, and account transactions from a report export. | Zoho Books | Connect | Chart of accounts, contacts and opening balances over the API. | MYOB | Guided export | Chart of accounts, contacts and trial balance from MYOB Business or AccountRight. Transaction history from the General ledger detail report. We read MYOB's own account types, tax codes and header accounts — no re-mapping by hand. | QuickBooks | Guided export | Chart of accounts, customer and vendor lists, and trial balance. Our column and account-type detection is built against QuickBooks Online exports. | Any other system | CSV | Anything that can export a CSV. Columns are detected and mapped for you, with a review step before anything is imported. | Payroll is separate. Employee records and leave balances come in by file import, and are onboarded after day one along with the rest of payroll — see section 3. You choose the cutover date and how much history to bring. That single decision is made at the start and pre-fills every later step, so opening balances, transactions and invoices all line up against the same date rather than being answered piecemeal. ### 3. What is onboarded after day one Some things should not be rushed into a single day, and we would rather say so than promise otherwise: - Bank reconciliation. Connecting feeds, setting rules and getting the first reconciliation clean. - Closing the books and tax filings. Period locks, tax settings and your first close in the new system. - Payroll. Employees, leave balances, pay calendars and the first pay run, verified against your last run in the old system. Your full transaction history stays where it is. Keep the old system read-only for as long as you want it for reference — we bring the balances, not the archaeology. ### 4. How the guarantee works Everything in section 1 is live within one business day, or our customer success team does the setup with you at no charge. There are two paths to the same place: - Self-serve. AI-guided onboarding walks you through each step, and you go at your own pace. - With us. Our customer success team runs the setup alongside you. This is free — it is not a paid implementation tier, and there are no consultants to engage. The guarantee covers the day-one scope in section 1. It deliberately does not cover the items in section 3, which are onboarded afterwards at whatever pace gets them right. Want to see it before you commit? Book onboarding and we will walk through the migration for the system you are on now. ============================================================================== # How Allwis compares URL: https://www.allwis.ai/compare.html ============================================================================== How Allwis compares ## Most business software asks you to pick a side The accounting system owns your ledger but knows nothing about your pipeline. The CRM knows every conversation but cannot raise an invoice. So you buy connectors, and the connectors become the system nobody owns. Allwis is one database. Your sales pipeline, your general ledger, your payroll, your jobs, your support queue and your marketing read and write the same records, under one permission model. A deal that closes raises the invoice. The invoice that gets paid calculates the commission. The time logged against a job bills the client and pays the contractor. And you do not have to take all of it. Replace one thing — the ledger, or the CRM, or the helpdesk — and keep the rest of your stack. How Allwis compares ### Four systems. Not one of them can consolidate a group. Xero has no native consolidation, and its published position on years of requests for it is that it is not currently planned. Every QuickBooks Online subscription is a separate island. Zoho Books has no native mechanism for group financial statements. Odoo is a full ERP and still sends you elsewhere for this. All four answer a group with two companies the same way: another subscription, another login, another export that is out of date by the time anyone reads it. In Allwis the second company is a setting. Inter-company elimination, FX translation and non-controlling interests sit in the ledger you already have. ### The four we get asked about #### Xero A very good ledger. It ends at the ledger. Read the comparison → #### QuickBooks Built for the United States first. You are not in the United States. Read the comparison → #### Zoho Forty applications that integrate. One that does not have to. Read the comparison → #### Odoo The same idea, without the implementation project. Read the comparison → Each page includes a section on where that product is the better choice. Those are not throat-clearing — if one of them fits you better, we would rather you knew now. ### Your model, your infrastructure The assistant is table stakes. Where it runs is not. Every system here has an AI assistant now. None of them will tell you which model just read your payroll file. Allwis is model-agnostic by design. Point it at OpenAI, Claude, Gemini, Grok, DeepSeek, Kimi, Mistral, GLM or Meta — your key, your account, your bill. Route different jobs to different models: a cheap one for categorising bank lines, a strong one for auditing a bill. Or do not send it out at all. Run the model on your own hardware — Ollama, LM Studio, vLLM, anything speaking OpenAI's chat-completions format. A small connector beside your model dials out to us over HTTPS. No inbound port, no firewall change, works behind NAT. Your model never becomes something on the internet. Then switch on self-hosted-only mode, and turn off the shared fallback so a request fails rather than leaves your network. Benchmark your own model against the cloud providers on the same tasks first, so it is a measured decision rather than a leap. And govern it: a monthly AI budget with a hard stop, individual AI tasks switched off, PII masking forced per task, token caps, and a log of every call with the model that made it, its reasoning and what it cost. ### Excel & Google Sheets Accountants live in Excel. We stopped fighting it. Allwis for Excel puts your live statements in your own workbook — profit & loss, balance sheet, trial balance, cash flow, aged receivables, aged payables and any custom report you have built, with comparison periods, multiple entities and your budget as a column beside actuals. Press refresh and the figures are current. Build your own schedules around them; they survive the refresh. Install it from the Microsoft 365 admin centre for the whole firm, or sideload it yourself in a minute. On every plan — not the top tier. And spreadsheets inside Allwis too — depreciation schedules, workpapers, the calculations behind a journal — attached to the record they support, versioned, and frozen once attached, so the workpaper behind a posted entry cannot quietly change. Allwis for Google Sheets is built and in Google's Workspace Marketplace review. Until that clears, we install it for your Google accounts on request. ### Compliance is not optional any more Since 1 July 2026, Australian accountants providing designated services are reporting entities under the AML/CTF Act. None of the four systems on this page ship AUSTRAC or DIA reporting. Allwis includes customer due diligence, risk rating, PEP and sanctions screening, ongoing monitoring, and SMR and TTR reporting — in the product, not as another subscription. This is general information about our software, not legal or tax advice. ### You do not have to switch everything Take the ledger and keep your CRM. Take the CRM and keep your accountant's system. Take the helpdesk on its own. The rest is there when — and if — you want it. Book a walkthrough See every feature ### Sources Every claim we make about another product is based on publicly available information, linked on that product's own page with the date we checked it. Product names are trademarks of their respective owners; we are not affiliated with any of them. If we have got something wrong, tell us and we will correct it. - Tranche 2 AML/CTF obligations commenced 1 July 2026 for accountants providing designated services — https://www.cpaaustralia.com.au/public-practice/inpractice/practice-management/austrac-opens-enrolments-are-tranche-2-entities-ready (checked 2026-08-23) Last reviewed 2026-08-23. ============================================================================== # Allwis vs Xero URL: https://www.allwis.ai/compare-xero.html ============================================================================== Allwis vs Xero ## A very good ledger. It ends at the ledger. Xero is a good accounting system. The question worth asking is what you have had to buy around it. How Allwis compares ### Four systems. Not one of them can consolidate a group. Xero has no native consolidation, and its published position on years of requests for it is that it is not currently planned. Every QuickBooks Online subscription is a separate island. Zoho Books has no native mechanism for group financial statements. Odoo is a full ERP and still sends you elsewhere for this. All four answer a group with two companies the same way: another subscription, another login, another export that is out of date by the time anyone reads it. In Allwis the second company is a setting. Inter-company elimination, FX translation and non-controlling interests sit in the ledger you already have. ### The short version - Xero stops at the ledger. Allwis keeps going: the pipeline, the proposals, the jobs, the helpdesk and the marketing all sit on that same ledger. By the time an invoice exists, the system already knows the customer. - Consolidating a group is native, from the second company. No third-party reporting layer, no monthly export. - AML/CTF is in the product — customer due diligence, PEP and sanctions screening, ongoing monitoring and SMR/TTR reporting to AUSTRAC and DIA. ### Side by side | Allwis | Xero | Double-entry ledger, bank reconciliation, GST/BAS | Yes | Yes | Bank feeds from major AU/NZ banks | Open-banking feeds and statement import | Broad, long-established Their strength — check your own bank against ours before switching. | CRM with a sales pipeline | Yes | Marketplace apps 1 | Quotes and proposals | Templates, public approval links, e-signature, Word and PDF export, deposit on acceptance | Quotes | Jobs, time and WIP | Included | Projects at higher tiers; WorkflowMax retired in 2024 2 | Payroll — AU and NZ | PAYG/PAYE, super, KiwiSaver, STP, ABA | Yes | Helpdesk and customer portal | Yes | No | Marketing — forms, landing pages, sequences, automation | Yes | No | Multi-entity consolidation | Native, with FX, inter-company elimination and NCI | Not native; third-party reporting layer 3 | AML/CTF — KYC, PEP and sanctions, AUSTRAC and DIA reporting | Yes | Integrated third-party apps 4 | Director penalty exposure (AU) | Yes | No | Live reports in Excel | First-party add-in, every plan | Third-party App Store add-ins 5 | Run the interface in another language | English, Spanish, French or German — chosen per person | English; an open request on Xero's own ideas forum 6 Your language and your tax settings are separate: an Australian business can work in German and still report in AUD. | Choose your AI model, or self-host it | Nine providers, or any OpenAI-compatible endpoint on your own network | JAX, included for subscribers; no model choice published 7 | AI spend budgets, per-task controls, decision log | Yes | No | ### Your model, your infrastructure The assistant is table stakes. Where it runs is not. Every system here has an AI assistant now. None of them will tell you which model just read your payroll file. Allwis is model-agnostic by design. Point it at OpenAI, Claude, Gemini, Grok, DeepSeek, Kimi, Mistral, GLM or Meta — your key, your account, your bill. Route different jobs to different models: a cheap one for categorising bank lines, a strong one for auditing a bill. Or do not send it out at all. Run the model on your own hardware — Ollama, LM Studio, vLLM, anything speaking OpenAI's chat-completions format. A small connector beside your model dials out to us over HTTPS. No inbound port, no firewall change, works behind NAT. Your model never becomes something on the internet. Then switch on self-hosted-only mode, and turn off the shared fallback so a request fails rather than leaves your network. Benchmark your own model against the cloud providers on the same tasks first, so it is a measured decision rather than a leap. And govern it: a monthly AI budget with a hard stop, individual AI tasks switched off, PII masking forced per task, token caps, and a log of every call with the model that made it, its reasoning and what it cost. ### Excel & Google Sheets Accountants live in Excel. We stopped fighting it. Allwis for Excel puts your live statements in your own workbook — profit & loss, balance sheet, trial balance, cash flow, aged receivables, aged payables and any custom report you have built, with comparison periods, multiple entities and your budget as a column beside actuals. Press refresh and the figures are current. Build your own schedules around them; they survive the refresh. Install it from the Microsoft 365 admin centre for the whole firm, or sideload it yourself in a minute. On every plan — not the top tier. And spreadsheets inside Allwis too — depreciation schedules, workpapers, the calculations behind a journal — attached to the record they support, versioned, and frozen once attached, so the workpaper behind a posted entry cannot quietly change. Allwis for Google Sheets is built and in Google's Workspace Marketplace review. Until that clears, we install it for your Google accounts on request. ### Where Xero is the better choice No product is the right answer for everyone, and a comparison that pretends otherwise is not worth reading. Here is where we would tell you to stay. #### Your accountant already lives in it. The number of AU and NZ accountants fluent in Xero is a real asset, and "my bookkeeper already knows this" is a legitimate reason to stay. In fairness: Allwis exports every report, and our practice view is built for advisors holding many clients at once. #### Bank feed coverage. Xero's feed relationships are broad and long-established. Check your own bank against our list before you switch — this is the most common reason to wait, and we would rather you waited than switched and regretted it. #### You only want accounting, and always will. If the front office genuinely never needs to touch finance, a focused ledger is a reasonable answer and paying for more would be waste. ### What switching looks like Allwis imports directly from Xero — chart of accounts, contacts, invoices, bills and account transactions, with opening balances preserved. The importer recognises transactions it has already brought in, so a re-run does not double-post, and a go-live reconciliation report ties the imported ledger back to what you left behind before you trust it. You can run both in parallel for a period. ### You do not have to switch everything Take the ledger and keep your CRM. Take the CRM and keep your accountant's system. Take the helpdesk on its own. The rest is there when — and if — you want it. Book a walkthrough See every feature ### Sources Every claim we make about another product is based on publicly available information, linked below with the date we checked it. Product names are trademarks of their respective owners; we are not affiliated with any of them. If we have got something wrong, tell us and we will correct it. - Xero's CRM story is marketplace integration; the native app is invoicing plus contact sync — https://www.hubspot.com/partnerships/xero (checked 2026-08-23) - Xero retired WorkflowMax on 26 June 2024; brand acquired by BlueRock — https://devblog.xero.com/xero-to-retire-workflowmax-mid-2024-6f12f45e4be (checked 2026-08-23) - Xero has no native multi-entity consolidation — https://getcheetah.io/blog/xero-multi-entity-consolidation (checked 2026-08-23) - Xero's AML/CTF guidance directs firms to integrated third-party apps — https://www.xero.com/au/accountant-bookkeeper-guides/aml-ctf-tranche-2/ (checked 2026-08-23) - Live Xero data in Excel is supplied by third-party App Store add-ins — https://apps.xero.com/us/collection/xero-excel-integration (checked 2026-08-23) - Running Xero's interface in another language is an open request on Xero's own ideas forum, with no commitment given — https://productideas.xero.com/forums/967121-users-setup/suggestions/44988547-organisations-settings-ability-to-have-other-lang (checked 2026-08-23) - Just Ask Xero (JAX), included for Xero subscribers — https://www.xero.com/us/ai-in-accounting/jax/ (checked 2026-08-23) Last reviewed 2026-08-23. ============================================================================== # Allwis vs QuickBooks URL: https://www.allwis.ai/compare-quickbooks.html ============================================================================== Allwis vs QuickBooks ## Built for the United States first. You are not in the United States. QuickBooks was designed for the United States, and it shows in the places that cost you time. How Allwis compares ### Four systems. Not one of them can consolidate a group. Xero has no native consolidation, and its published position on years of requests for it is that it is not currently planned. Every QuickBooks Online subscription is a separate island. Zoho Books has no native mechanism for group financial statements. Odoo is a full ERP and still sends you elsewhere for this. All four answer a group with two companies the same way: another subscription, another login, another export that is out of date by the time anyone reads it. In Allwis the second company is a setting. Inter-company elimination, FX translation and non-controlling interests sit in the ledger you already have. ### The short version - AU and NZ compliance is the product here, not a localisation layer — GST and BAS on a cash or accrual basis, PAYG and PAYE, superannuation, KiwiSaver, STP, ABA files, AUSTRAC and DIA reporting, and director penalty exposure under the Australian regime. - New Zealand payroll simply is not there. Intuit's own support answer is that the Global edition used in NZ has no payroll module. - It is not only accounting. Your sales pipeline, jobs, support queue and marketing come with it, rather than as three more subscriptions to buy and connect. ### Side by side | Allwis | QuickBooks | GST and BAS, cash or accrual, with a reconciling audit report | Yes, with the basis stated on the return and its exports | GST and BAS supported | Payroll — Australia | Native — PAYG, super, STP, ABA | A third-party module, charged per employee 1 | Payroll — New Zealand | Native — PAYE, KiwiSaver | No payroll module on the Global edition used in NZ 2 | AML/CTF — AUSTRAC (AU) and DIA (NZ) | Yes | No | Director penalty exposure (AU) | Yes | No | Multi-entity consolidation | Native, with FX, inter-company elimination and NCI | Each subscription is independent; no native consolidation 3 | CRM, proposals, jobs, helpdesk, marketing | Yes | No | Live reports in Excel | First-party add-in, every plan | Spreadsheet Sync — Advanced or Accountant only 4 | Live reports in Google Sheets | Built; in Marketplace review | No | Choose your AI model, or self-host it | Nine providers, or any OpenAI-compatible endpoint on your own network | Intuit Assist on Intuit's own stack; no model choice published 5 | AI spend budgets, per-task controls, decision log | Yes | No | ### Your model, your infrastructure The assistant is table stakes. Where it runs is not. Every system here has an AI assistant now. None of them will tell you which model just read your payroll file. Allwis is model-agnostic by design. Point it at OpenAI, Claude, Gemini, Grok, DeepSeek, Kimi, Mistral, GLM or Meta — your key, your account, your bill. Route different jobs to different models: a cheap one for categorising bank lines, a strong one for auditing a bill. Or do not send it out at all. Run the model on your own hardware — Ollama, LM Studio, vLLM, anything speaking OpenAI's chat-completions format. A small connector beside your model dials out to us over HTTPS. No inbound port, no firewall change, works behind NAT. Your model never becomes something on the internet. Then switch on self-hosted-only mode, and turn off the shared fallback so a request fails rather than leaves your network. Benchmark your own model against the cloud providers on the same tasks first, so it is a measured decision rather than a leap. And govern it: a monthly AI budget with a hard stop, individual AI tasks switched off, PII masking forced per task, token caps, and a log of every call with the model that made it, its reasoning and what it cost. ### Excel & Google Sheets Accountants live in Excel. We stopped fighting it. Allwis for Excel puts your live statements in your own workbook — profit & loss, balance sheet, trial balance, cash flow, aged receivables, aged payables and any custom report you have built, with comparison periods, multiple entities and your budget as a column beside actuals. Press refresh and the figures are current. Build your own schedules around them; they survive the refresh. Install it from the Microsoft 365 admin centre for the whole firm, or sideload it yourself in a minute. On every plan — not the top tier. And spreadsheets inside Allwis too — depreciation schedules, workpapers, the calculations behind a journal — attached to the record they support, versioned, and frozen once attached, so the workpaper behind a posted entry cannot quietly change. Allwis for Google Sheets is built and in Google's Workspace Marketplace review. Until that clears, we install it for your Google accounts on request. ### Where QuickBooks is the better choice No product is the right answer for everyone, and a comparison that pretends otherwise is not worth reading. Here is where we would tell you to stay. #### You file in the United States, or with it. If your reporting home is US GAAP and US payroll, QuickBooks' depth there is not something we would argue with. #### Your accountant is QuickBooks-only. Fluency in the tool is worth real money, and switching costs a firm time it may not have this quarter. #### Ecosystem size. More third-party connectors exist for QuickBooks than for us. If you depend on a niche integration, check our list first. ### What switching looks like Bring your chart of accounts, contacts, invoices, bills and transaction history across from a QuickBooks export, with column mapping and a review step before anything is written. Reconcile the result against your closing balances before you commit, and run both in parallel for a period if you would rather. ### You do not have to switch everything Take the ledger and keep your CRM. Take the CRM and keep your accountant's system. Take the helpdesk on its own. The rest is there when — and if — you want it. Book a walkthrough See every feature ### Sources Every claim we make about another product is based on publicly available information, linked below with the date we checked it. Product names are trademarks of their respective owners; we are not affiliated with any of them. If we have got something wrong, tell us and we will correct it. - QuickBooks Payroll (AU) is powered by Employment Hero, charged per employee — https://quickbooks.intuit.com/learn-support/en-au/help-article/payroll/subscribe-quickbooks-payroll-powered-keypay/L2q3tHERx_AU_en_AU (checked 2026-08-23) - Intuit's own answer: no payroll module for the QuickBooks Online Global edition used in NZ — https://quickbooks.intuit.com/learn-support/global/manage-suppliers-and-expenses/is-there-a-payroll-module-for-qbo-in-new-zealand-we-are-already/00/869061 (checked 2026-08-23) - Each QuickBooks Online subscription is independent; no native consolidation — https://liveflow.com/learn/can-quickbooks-do-consolidated-financial-statements (checked 2026-08-23) - Spreadsheet Sync is available only on QuickBooks Online Advanced or Accountant — https://quickbooks.intuit.com/learn-support/en-us/help-article/accounting-bookkeeping/spreadsheet-sync-faq/L3FiuAq13_US_en_US (checked 2026-08-23) - Intuit Assist runs on Intuit's proprietary GenOS; no published model choice — https://quickbooks.intuit.com/r/news/intuit-launches-ai-powered-intuit-assist-for-quickbooks/ (checked 2026-08-23) Last reviewed 2026-08-23. ============================================================================== # Allwis vs Zoho URL: https://www.allwis.ai/compare-zoho.html ============================================================================== Allwis vs Zoho ## Forty applications that integrate. One that does not have to. Zoho is the closest thing here to the same ambition, which makes the differences architectural rather than cosmetic. How Allwis compares ### Four systems. Not one of them can consolidate a group. Xero has no native consolidation, and its published position on years of requests for it is that it is not currently planned. Every QuickBooks Online subscription is a separate island. Zoho Books has no native mechanism for group financial statements. Odoo is a full ERP and still sends you elsewhere for this. All four answer a group with two companies the same way: another subscription, another login, another export that is out of date by the time anyone reads it. In Allwis the second company is a setting. Inter-company elimination, FX translation and non-controlling interests sit in the ledger you already have. ### The short version - Zoho does not run Australian or New Zealand payroll. Zoho's own documentation lists Zoho Payroll as available in the USA, the UAE and India. Its published advice everywhere else is to record salaries as manual journal entries. - A suite is not a system. Books, CRM, Desk, Campaigns, Projects and People are separate products joined by sync — and sync is a thing that runs, which means it is a thing that stops. In Allwis a customer is one record: the deal, the invoice, the ticket, the job and the timesheet point at it directly, and there is no state in which they disagree. - One permission model, not six. Access is defined once per module and enforced at the database with row-level security. ### Side by side | Allwis | Zoho | Payroll — Australia and New Zealand | Native — PAYG/PAYE, super, KiwiSaver, STP | Not available; USA, UAE, India and the GCC only 1 | Architecture | One database, one schema, one permission model | Separate applications, integrated | Products to license, learn and administer | One | Several, or the full-suite bundle | Pricing shape | Per group, per seat, per meter | All Employee licenses every full-time employee, used or not 2 | CRM, accounting, helpdesk, marketing, projects | Yes, on one ledger | Yes, as separate apps | AU GST and BAS | Yes | Yes | Multi-entity consolidation | Native, with FX, inter-company elimination and NCI | No native mechanism for group statements 3 | AML/CTF — AUSTRAC and DIA | Yes | No | Director penalty exposure (AU) | Yes | No | Live reports in Excel and Google Sheets | First-party Excel add-in; Sheets in Marketplace review | Third-party connectors 4 | Choose your AI model, or self-host it | Nine providers, or any OpenAI-compatible endpoint on your own network | Own key for OpenAI, Anthropic and Google; self-hosted via webhook 5 The one area where Zoho genuinely matches us. | AI spend budgets, per-task controls, decision log | Yes | Not published | ### Your model, your infrastructure The assistant is table stakes. Where it runs is not. Every system here has an AI assistant now. None of them will tell you which model just read your payroll file. Allwis is model-agnostic by design. Point it at OpenAI, Claude, Gemini, Grok, DeepSeek, Kimi, Mistral, GLM or Meta — your key, your account, your bill. Route different jobs to different models: a cheap one for categorising bank lines, a strong one for auditing a bill. Or do not send it out at all. Run the model on your own hardware — Ollama, LM Studio, vLLM, anything speaking OpenAI's chat-completions format. A small connector beside your model dials out to us over HTTPS. No inbound port, no firewall change, works behind NAT. Your model never becomes something on the internet. Then switch on self-hosted-only mode, and turn off the shared fallback so a request fails rather than leaves your network. Benchmark your own model against the cloud providers on the same tasks first, so it is a measured decision rather than a leap. And govern it: a monthly AI budget with a hard stop, individual AI tasks switched off, PII masking forced per task, token caps, and a log of every call with the model that made it, its reasoning and what it cost. ### Excel & Google Sheets Accountants live in Excel. We stopped fighting it. Allwis for Excel puts your live statements in your own workbook — profit & loss, balance sheet, trial balance, cash flow, aged receivables, aged payables and any custom report you have built, with comparison periods, multiple entities and your budget as a column beside actuals. Press refresh and the figures are current. Build your own schedules around them; they survive the refresh. Install it from the Microsoft 365 admin centre for the whole firm, or sideload it yourself in a minute. On every plan — not the top tier. And spreadsheets inside Allwis too — depreciation schedules, workpapers, the calculations behind a journal — attached to the record they support, versioned, and frozen once attached, so the workpaper behind a posted entry cannot quietly change. Allwis for Google Sheets is built and in Google's Workspace Marketplace review. Until that clears, we install it for your Google accounts on request. ### Where Zoho is the better choice No product is the right answer for everyone, and a comparison that pretends otherwise is not worth reading. Here is where we would tell you to stay. #### Breadth of niche applications. Zoho has products we simply do not. If you need their particular inventory, survey or contract-lifecycle tool, that is a real answer and we would rather say so. #### Global footprint. More countries, more languages. If you operate well outside AU and NZ, check our jurisdiction coverage before anything else. #### Model choice. Zoho will route its AI to a model you nominate, including one you host yourself. On that specific axis they are ahead of the rest of this list, and level with us. ### What switching looks like Allwis imports from Zoho Books directly — chart of accounts, contacts, invoices and bills. Contacts and organisations come in from any CSV or Excel export, with the columns detected and mapped for you and a review step before import. ### You do not have to switch everything Take the ledger and keep your CRM. Take the CRM and keep your accountant's system. Take the helpdesk on its own. The rest is there when — and if — you want it. Book a walkthrough See every feature ### Sources Every claim we make about another product is based on publicly available information, linked below with the date we checked it. Product names are trademarks of their respective owners; we are not affiliated with any of them. If we have got something wrong, tell us and we will correct it. - Zoho's own documentation: Zoho Payroll is available in the USA, UAE and India — https://www.zoho.com/books/kb/general/payroll.html (checked 2026-08-23) - Zoho One's All Employee plan requires licensing every full-time employee — https://aaxonix.com/resources/zoho-one-pricing-explained/ (checked 2026-08-23) - Zoho Books has no native mechanism for group financial statements — https://www.scalexp.com/can-zoho-books-handle-multi-entity-consolidation/ (checked 2026-08-23) - Live Zoho Books data in Excel and Sheets is supplied by third-party connectors — https://www.cdata.com/drivers/zohobooks/excel/ (checked 2026-08-23) - Zia supports bringing your own key for OpenAI, Anthropic and Google models — https://www.zoho.com/agents/resources/help/platform-reference/model-configuration.html (checked 2026-08-23) Last reviewed 2026-08-23. ============================================================================== # Allwis vs Odoo URL: https://www.allwis.ai/compare-odoo.html ============================================================================== Allwis vs Odoo ## The same idea, without the implementation project. Odoo and Allwis agree on the diagnosis. We disagree about how much of the work should be yours. How Allwis compares ### Four systems. Not one of them can consolidate a group. Xero has no native consolidation, and its published position on years of requests for it is that it is not currently planned. Every QuickBooks Online subscription is a separate island. Zoho Books has no native mechanism for group financial statements. Odoo is a full ERP and still sends you elsewhere for this. All four answer a group with two companies the same way: another subscription, another login, another export that is out of date by the time anyone reads it. In Allwis the second company is a setting. Inter-company elimination, FX translation and non-controlling interests sit in the ledger you already have. ### The short version - No implementation project. You sign up, import your ledger, read the briefing our AI writes about your own books, and start. - New Zealand is where Odoo stops: NZ is absent from its payroll localisations, and the NZ route is a connector to a third-party payroll that imports journal entries back. - Neither AUSTRAC nor DIA AML reporting exists in Odoo — which, since 1 July 2026, is a live obligation for Australian accountants providing designated services, not a nice-to-have. ### Side by side | Allwis | Odoo | One integrated platform | Yes | Yes Genuinely theirs too. | Time to a working system | Sign up and import | Commonly a partner-led implementation | Hosting, upgrades and version migrations | Ours | Yours, or your host's, depending on edition | Payroll — Australia | Native — PAYG, super, STP, ABA | Native in v19 Enterprise, with STP and SuperStream 1 Properly built. Not to be dismissed. | Payroll — New Zealand | Native — PAYE, KiwiSaver | Not a payroll localisation; an Employment Hero connector 2 | AML/CTF — AUSTRAC and DIA | Yes | No | Director penalty exposure (AU) | Yes | No | Live reports in the spreadsheet you already use | First-party Excel add-in; Sheets in Marketplace review | A spreadsheet inside Odoo; live formulas become static values on export 3 | Choose your AI model | Nine providers | OpenAI or Google Gemini 4 | Run the model on your own network | Yes — outbound-only connector, no inbound port | No | AI spend budgets, per-task controls, decision log | Yes | No | Manufacturing, warehouse, POS, field service | Limited | Deep Theirs, decisively. | Open source and self-hostable | No | Yes Theirs. | ### Your model, your infrastructure The assistant is table stakes. Where it runs is not. Every system here has an AI assistant now. None of them will tell you which model just read your payroll file. Allwis is model-agnostic by design. Point it at OpenAI, Claude, Gemini, Grok, DeepSeek, Kimi, Mistral, GLM or Meta — your key, your account, your bill. Route different jobs to different models: a cheap one for categorising bank lines, a strong one for auditing a bill. Or do not send it out at all. Run the model on your own hardware — Ollama, LM Studio, vLLM, anything speaking OpenAI's chat-completions format. A small connector beside your model dials out to us over HTTPS. No inbound port, no firewall change, works behind NAT. Your model never becomes something on the internet. Then switch on self-hosted-only mode, and turn off the shared fallback so a request fails rather than leaves your network. Benchmark your own model against the cloud providers on the same tasks first, so it is a measured decision rather than a leap. And govern it: a monthly AI budget with a hard stop, individual AI tasks switched off, PII masking forced per task, token caps, and a log of every call with the model that made it, its reasoning and what it cost. ### Excel & Google Sheets Accountants live in Excel. We stopped fighting it. Allwis for Excel puts your live statements in your own workbook — profit & loss, balance sheet, trial balance, cash flow, aged receivables, aged payables and any custom report you have built, with comparison periods, multiple entities and your budget as a column beside actuals. Press refresh and the figures are current. Build your own schedules around them; they survive the refresh. Install it from the Microsoft 365 admin centre for the whole firm, or sideload it yourself in a minute. On every plan — not the top tier. And spreadsheets inside Allwis too — depreciation schedules, workpapers, the calculations behind a journal — attached to the record they support, versioned, and frozen once attached, so the workpaper behind a posted entry cannot quietly change. Allwis for Google Sheets is built and in Google's Workspace Marketplace review. Until that clears, we install it for your Google accounts on request. ### Where Odoo is the better choice No product is the right answer for everyone, and a comparison that pretends otherwise is not worth reading. Here is where we would tell you to stay. #### You make physical things. Manufacturing, warehousing, MRP and point of sale are Odoo's depth, and we do not pretend to match them. #### You want the source. Open source and self-hosting are real requirements for some organisations, and they are not requirements we meet. #### You have developers and want to own the system. If you are going to build on a platform for a decade, owning the code is a defensible choice. Odoo Studio also covers a good deal of customisation without one. ### What switching looks like Contacts, organisations, chart of accounts and transaction history import from any CSV or Excel export, with columns detected and mapped for you and a review step before anything is written. ### You do not have to switch everything Take the ledger and keep your CRM. Take the CRM and keep your accountant's system. Take the helpdesk on its own. The rest is there when — and if — you want it. Book a walkthrough See every feature ### Sources Every claim we make about another product is based on publicly available information, linked below with the date we checked it. Product names are trademarks of their respective owners; we are not affiliated with any of them. If we have got something wrong, tell us and we will correct it. - Odoo 19 ships a first-party Australian payroll localisation with STP and SuperStream via the SuperChoice API — https://www.odoo.com/documentation/19.0/applications/hr/payroll/payroll_localizations/australia.html (checked 2026-08-23) - Odoo's NZ payroll route is an Employment Hero connector that imports payslip journal entries — https://www.odoo.com/documentation/19.0/applications/finance/fiscal_localizations/new_zealand.html (checked 2026-08-23) - Odoo formulas with no Excel equivalent are replaced by their evaluated result on export — https://www.odoo.com/documentation/19.0/applications/productivity/spreadsheet/work_with_data/functions.html (checked 2026-08-23) - Odoo 19's AI app routes to OpenAI or Google Gemini; a key is required on Odoo.sh and self-hosted — https://www.usecarly.com/blog/odoo-ai/ (checked 2026-08-23) Last reviewed 2026-08-23. ============================================================================== # Developers & partners URL: https://www.allwis.ai/developers.html ============================================================================== Developers & partners ## Extend Allwis to fit any business A clean module SDK on a familiar stack, plus the Cultiver Marketplace to distribute and monetise what you build. Allwis is your identity and data layer — you bring the extensions. For developers & partners ### Build on Allwis. Publish to Cultiver . A clean module SDK with full TypeScript types. Build custom dashboards, workflow nodes, and AI agents on the same design system and data model — then publish them to the Cultiver Marketplace and earn through marketplace billing. Allwis is your identity and data layer. - ✓ Custom module panels in the same design system - ✓ Register new workflow trigger and action types - ✓ Extend AI context with your own data sources - ✓ Publish to Cultiver — distribution, billing & revenue share handled - ✓ Built on Next.js 16 + Supabase — familiar stack allwis.config.ts // Register a custom workflow action import { defineAction } from '@allwis/sdk' export default defineAction ({ name : 'xero-sync-invoice' , label : 'Sync to Xero (cutover)' , icon : '⊞' , inputs : [ { key : 'invoiceId' , type : 'deal_field' , }], async run ({ invoiceId, supabase }) { const inv = await getInvoice (invoiceId) await xeroClient . createInvoice (inv) }) Technology ### Built on the modern stack Familiar, open, production-ready. No proprietary lock-in — self-host or extend any time. Next.js 16 React 19 Supabase + pgvector Tailwind CSS 4 Anthropic Claude Local & open-source LLMs Stripe Microsoft Graph API Wise Payments Resend @dnd-kit Recharts Supabase Realtime Apply to the Partner Program Partner Program · Cultiver Marketplace launching H2 2026 ============================================================================== # Contact URL: https://www.allwis.ai/contact.html ============================================================================== Contact ## Get in touch Questions about the platform, pricing, migrating off your current system, or building on Allwis — we would like to hear from you. ### Send an enquiry Tell us about your business and what you are running today. We read every message and reply personally — usually within one business day. Contact us ### Book onboarding Pick a time that suits you and we will walk through setup on your own data — including bringing your accounting across. Core features live in one business day. Choose a time ### Company details Registered office Allwis Pty Ltd 97 Creek Street Brisbane QLD 4000 Australia Company identifiers ABN 14 689 039 343 ACN 689 039 343 Privacy & data requests For access, correction or privacy complaints, contact our Privacy Officer at privacy@allwis.ai . Support Already a customer? Raise a ticket from inside the app, or send us a message . ============================================================================== # CDR policy URL: https://www.allwis.ai/cdr-policy.html ============================================================================== Legal ## CDR Policy How Allwis manages Consumer Data Right (CDR) data under Australia's Consumer Data Right regime. ### 1. About this policy This CDR Policy is published by Allwis Pty Ltd (ABN 14 689 039 343) ("Allwis", "we", "us", "our") in accordance with Privacy Safeguard 1 and CDR Rule 7.2 of Australia's Consumer Data Right (CDR) regime, administered by the Australian Competition and Consumer Commission (ACCC) under Part IVD of the Competition and Consumer Act 2010 (Cth). Allwis intends to act as a CDR Representative of an ACCC-accredited Data Recipient (our "Principal"), rather than as an Accredited Data Recipient in our own right. This means our Principal collects CDR data from data holders (such as your bank) on our behalf, under consents you give us, and discloses that data to us so we can provide you with the service you've asked for. Our Principal's own CDR policy also applies to CDR data handled under this arrangement, and we will link to it here once our Principal is confirmed. This policy applies to CDR data handled through the Allwis platform. It does not cover other personal information Allwis collects about you as a general customer of our business software — that is covered by our Privacy Policy . ### 2. The CDR service we provide Once available, Allwis's CDR-powered feature lets a business customer connect their bank account(s) to Allwis so that account and transaction data can be imported automatically. We use that data to power: - Automated bank reconciliation against the customer's invoices, bills, and recorded payments; - AI-assisted transaction categorisation and general ledger account suggestions; and - Cash-flow and balance reporting within the customer's own Allwis account. ### 3. Kinds of CDR data we collect and hold Subject to your consent, we collect and hold the following categories of banking CDR data: - Account data — account name, type, and balance; - Transaction data — transaction amount, date, and description. We only collect the specific data you consent to, for the specific purpose you consent to, consistent with the Data Minimisation Principle under the CDR Rules. ### 4. How we collect and hold CDR data CDR data is collected by our Principal from your bank (as a CDR data holder) once you give a valid consent, and disclosed to us as "Service Data" under our CDR Representative arrangement. We do not collect CDR data directly from data holders ourselves. CDR data is stored in our production database, hosted in Australia (AWS ap-southeast-2, Sydney), and is protected by encryption at rest and in transit, and strict per-customer access controls. Full detail of our security practices is set out in our Information Security Policy, available on request. ### 5. Purposes of collection, use, and disclosure We collect, hold, use, and disclose your CDR data only: - to provide the specific service you've consented to (reconciliation, categorisation, and reporting); - to comply with our obligations under the CDR Regime, including record-keeping and reporting to our Principal; and - where otherwise required or authorised by law. We do not use or disclose your CDR data for marketing, and we do not sell your CDR data or any insights derived from it. ### 6. Disclosure to outsourced service providers We disclose limited CDR data (or data derived from it) to the following outsourced service providers, solely to operate the service described above: - Supabase (database hosting) — stores CDR data in Australia (AWS ap-southeast-2, Sydney); - Anthropic, PBC (United States) — receives only a transaction's description and amount, for transient AI-assisted categorisation. This data is not retained by Anthropic for model training. Overseas disclosure. Anthropic, PBC is located in the United States. No other overseas disclosure of CDR data is currently made. If this changes, we will update this policy to name the relevant countries. ### 7. Accessing and correcting your CDR data You can access the CDR data we hold about you at any time within your Allwis account. If you believe any CDR data we hold is inaccurate, out of date, incomplete, irrelevant, or misleading, you can ask us to correct it by emailing privacy@allwis.ai . We will respond within a reasonable time, ordinarily within 30 days, at no charge. ### 8. Withdrawing consent and deleting data You can withdraw your consent for us to collect or use your CDR data at any time from within your Allwis account, or by emailing privacy@allwis.ai . Once consent is withdrawn or expires, we will delete or de-identify your CDR data as soon as practicable, in accordance with CDR Rule 1.18 and Privacy Safeguard 12, unless we are required to retain it under Australian law or because it relates to current or anticipated legal proceedings. ### 9. Complaints If you think we have mishandled your CDR data or breached the CDR Rules, contact our Privacy Officer at privacy@allwis.ai . We will acknowledge your complaint and aim to resolve it within 30 days. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992, or to the Australian Financial Complaints Authority (AFCA) where applicable, or to the ACCC. ### 10. Contact us Allwis Pty Ltd (ABN 14 689 039 343) Privacy Officer — privacy@allwis.ai This CDR Policy is free to access and will be reviewed and updated as our CDR Representative arrangement progresses. Last updated 27 July 2026.