Every AI-native accounting platform launched in the last three years shares one design assumption: transactions get categorized as they happen. The pitch is continuous close, real-time books, "T plus zero." Puzzle, T:0, Rillet, Campfire, Numeric, Zeni, Truewind, and Digits all promise the same thing. But there is a problem none of them address: AI-native ledgers categorize forward, not backward. If you have 18 months of mismatched deposits, a chart of accounts that grew by ac
