Trust is built in
Bank-first security.
Reviewable control.
Built for accountability.
xontax is designed so the important decisions stay visible and easy to check. We start from your bank data, and you can change what you approved. Suggestions are there for you to read first.
You can always verify and amend
AI suggestions are explainable and reviewable. Important decisions stay under your control.
Public beta: no live filing to HMRC yet
xontax is in development. You can connect your bank, review categories, and use AI suggestions. Sending tax returns to HMRC is not available yet, but we are working on it.
Please share as much feedback as you can to help us make xontax better.
Read-only bank access, reviewable decisions
Bank data arrives via a read-only connection. AI suggestions are visible before they affect your figures. You sign off before anything is filed with HMRC.
How your data is protected
Read-only bank connection
TrueLayer OAuth — read-only access only. xontax never has write access to your bank account.
Encrypted at rest and in transit
HTTPS only. Secrets handled server-side. Never exposed to the browser.
Row-level data isolation
Your records are isolated at the database level. Only your authenticated session can access them.
Security / trust principles
Bank data first
Decisions are anchored to your bank transactions rather than reshaping history.
Immutable raw inputs
Raw statement lines stay intact so auditability stays grounded in real data.
Review before submission
AI suggests. You verify, amend, and approve what’s used next.
Bank-first and immutable data
Your bank transactions are the fixed starting point. xontax keeps raw statement lines as they came in, so the flow stays tied to what actually happened.
Why this matters
It cuts the drift you get from retyping from spreadsheets or posting to accounts before the bank, and it makes later explanations easier.
Audit trail and reviewability
AI suggestions are visible and explainable. The workflow is designed so you can understand what was suggested, what it was based on, and what you can amend before anything becomes part of your submission workflow.
Explanations are designed for human verification
Important decisions are traceable to the original bank input
You can change or amend before approval
You review before anything moves
AI handles high-confidence work, but every item is reviewable. You decide what goes forward.
Transaction review
“Matches similar supplier payments; HMRC guidance on mixed expenses considered.”
AI control model
xontax is AI-assisted, not unaccountable automation. For items that need judgement, the workflow surfaces them for review checkpoints, so you decide what becomes part of your accounting and tax prep workflow.
High-confidence work
AI can reduce manual effort, while keeping the outcome reviewable.
Sensitive / uncertain items
Uncertain points are surfaced for explicit user verification.
Final control
You can amend decisions before outcomes progress in your workflow.
Compliance and operational seriousness
xontax helps you prepare reviewable workflow data for UK reporting workflows, with deadline-aware structure for MTD ITSA 2026 preparation. We keep the process explicit: prepared data is reviewable, and approval stays with you.
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.
MTD 2026 readiness
xontax prepares reviewable, MTD-structured records for UK tax reporting. Approval stays with you before data progresses in your workflow.
Data handling and privacy-conscious messaging
xontax handles the minimum data needed to run your bank-first flow and produce clear explanations and filing-ready structure. We focus on clarity so you can see what the system is doing and why.
Trust comes from transparency: you can see suggestions, trace decisions to bank input, and amend before approval. Secrets and sensitive integrations are handled server-side.
You’re not locked in
The workflow is designed for change. If something doesn’t match your records, you can correct it and keep the audit trail grounded in your bank data.
Ready to review with your own bank data?
Start free, review first
See the review checkpoints and explainable suggestions with your own transactions, then decide when to commit.
The AI does the work. You keep final control: reviewable, amendable, audit-friendly.