Every startup founder eventually hits the same wall with traditional accounting platforms. They weren't designed for the pace of a modern startup running on Stripe, Mercury, Brex, and Ramp. Puzzle.io is different. Built AI-native for US-based startups, it provides real-time financial data instead of month-end waiting. This complete guide covers what Puzzle actually does, how it compares to QuickBooks Online, who it's built for, what it costs, and its genuine limitations.