Xero
Q3The Spear still centres on reconciliation. Q6 is no longer one of the occupied cells.
Xero’s proven loop is bank reconciliation: matching runs in real time, exceptions come back to a person, and more than 100 million transactions have been auto-reconciled. That is Q3. The 2025 payroll and payments optimiser is not in the 2026 releases. Q6 is dormant.
Trajectory: Q3 holds. Q6 stays dormant until a payments loop is quoted.
Nothing quoted yet. A rate or a saving will sit here when it is on the record. It does not light the grid.
The lines this reading rests on. A date is the source date, when the page or the line names one.
Matching high-confidence transactions to bank feeds automatically, in real-time, JAX helps to handle the routine and tells you exactly why it matched every single transaction, surfacing any exceptions that require human expertise.
This new agent will automate a workflow practices must tackle each month across each client, handling everything from reviewing document reconciliation status, right through to manual journal entries for prepayments and amortization, before providing customers with a complete account of its actions to review and accept.
Xero has seen a 4x increase in new app registrations since 2025. Today, around 20% of connections into Xero's ecosystem are custom apps, with usage of Xero's MCP Server growing ten-fold (from December 2025 to May 2026) powering more than 1 million API calls (as of June 2026).