xontax, explained
Bank-first work with explainable AI. You review before anything moves on.
xontax turns your bank activity into reviewable accounting decisions, with AI explanations designed for human verification. Built to support MTD ITSA 2026 workflows without blind automation.
Control stays explicit
Every important suggestion is reviewable, and you can amend before filing workflow steps.
Bank statement lines
Source of truth (immutable)
Bank transfer
18/02/2026
-£420.00
Card purchase
19/02/2026
-£87.13
Card purchase
21/02/2026
-£24.50
AI explains itself
Needs your reviewWhy this looks like a business expense
Review the suggestion and amend if anything doesn’t match your records.
Nothing is filed without your approval.
A step-by-step workflow
Connect your bank
Bring in your bank activity so the workflow is anchored to real input.
Import raw transactions
xontax keeps raw statement lines as immutable input for traceability.
AI categorises and extracts information
AI proposes matches and pulls out relevant receipt details, with explanations you can verify.
Uncertain items are surfaced for review
If something needs judgement, it becomes a review checkpoint—never a silent assumption.
User reviews when needed
You approve, amend, or override so the workflow fits your circumstances.
xontax prepares filing workflow data
Based on what you reviewed, xontax prepares structured data you can progress with.
User approves and submits
A final approval step stays with you, so control remains explicit.
This is not black-box AI
xontax is built so you can see what was suggested, why it was suggested, and what you can amend before any submission workflow step.
Review and amend, before submission workflow
The AI does the work, but you keep final control. Explanations are designed for human verification. You can amend decisions anytime, with traceability rooted in your bank input.
AI explanations are readable, not theatrical
Uncertain items are surfaced as explicit review checkpoints
You can change or override before outcomes become part of your workflow
Audit trail remains anchored to immutable bank statement lines
The core message
AI explains itself. You decide what becomes part of your filing workflow.
Transaction
Card purchase · Business supplies
19/02/2026
AI suggestion
Match to an expense bill line
Extracts the likely receipt details and proposes a coding decision with an explanation you can verify.
AI explanation (readable)
Why we suggest this
- The description matches a business supplies pattern.
- The extracted details align with the receipt you reviewed.
- Review is required before it becomes part of your filing workflow.
You stay in control
Amend decisions anytime. Your audit trail stays tied to the original bank data.
Bank-first architecture
Your bank transactions are the source of truth. xontax preserves raw statement lines as immutable input and records decisions as reviewable matching outcomes—so records stay consistent and audit-friendly.
Raw data stays intact
We keep the bank input as immutable reference for traceability.
Decisions stay reviewable
Matching decisions are made with explanations you can check and amend.
Fewer bookkeeping drifts
Bank-first structure reduces the drift that happens with manual ledger-first work.
Filing is prepared, reviewable, and deadline-aware
xontax prepares your filing workflow data from the decisions you reviewed. The workflow is calm and structured, with visibility around what’s coming up—while the final approval step stays with you.
Obligations are surfaced clearly
Filing-ready data is prepared from reviewed decisions
Nothing becomes “submitted” without your approval
Built for MTD-style ongoing compliance, not year-end panic
No autonomous “trust us” flow
xontax prepares reviewable workflow data. You approve the final step.
Filing workflow
Prepared, reviewable, and deadline-aware
xontax prepares the data from your reviewed decisions. You approve the final step.
xontax maps your review decisions into filing-ready structure.
Uncertain items are surfaced so you can confirm what should be used.
Once you approve, the outcome becomes part of your submission workflow.
You can see what’s coming up, so you’re not scrambling at the last moment.
Ready to try it?
Connect your bank, review AI explanations, amend when needed
The workflow is designed to be understandable and reviewable, so your MTD ITSA 2026 preparation starts earlier.
Bank-first integrity, explainable AI suggestions, and explicit human control—without black-box uncertainty.