Dotio is building the agent-native finance operating system for modern businesses. As AI agents move from prototypes to running real workflows, finance is next, and it was never designed for them. Legacy accounting stacks were built to send humans clicking through ledgers. Dotio is being built the other way around: an AI-native ledger, an orchestrated team of finance agents, and a fintech layer, all in one modular product that ships country-by-country without rebuilds.

The product is a three-layer finance OS. The agentic layer is a full AI finance team, CFO, Bookkeeper, Accountant, Tax Advisor, Analyst, Collections, Document Creator, Legal Reviewer, and Operations, that orchestrates work on behalf of the user. The Finance OS covers bookkeeping, invoicing, payables, expenses, budgeting, planning, tax, and reporting on a proprietary AI-native ledger, no legacy dependency. The fintech layer covers banking, cards, credits, payments, and bank feeds.

Users talk to their finance team, they do not click through it. Interaction happens via chat, voice, WhatsApp, Slack, Telegram, ChatGPT, Claude, MCP, or the Dotio Go mobile app. Minimal UI. The agents do the work. Finance fully ready for an agentic future.

Dotio serves freelancers, long-tail SMBs, startups, founders, professionals, and accounting firms. Global from day one, live in 7 languages across US, EU, and LatAm markets. V1 (FP&A) is live in open beta with 441 companies onboarded. V2, the full three-layer product, ships end of July 2026.

Founded in by Pedro Perez Orlando (25 years in finance, EY to Meta, fractional CFO across pre-seed to Series B, cross-border experience across every non-OFAC jurisdiction) and Ramon Sanchez (24 years in product design, Cannes Lions winner, 100+ multinationals).

Dotio is the infrastructure layer that becomes critical precisely as agents take over finance workflows, agent-native from day one, not another app with a chatbot glued on top.