Accounting & Bookkeeping Arena
Wave vs Kick
Kick wins · 4–24 (22 drawn)
Agenticness — how well agents can access and operate the productAgenticness
How well agents can access and operate the product
Agent access
ai-native userPoint an agent at llms.txt or agent-oriented docs
weight 2 · round to KickWavenone0/10A direct probe found no llms.txt file (404) and no agent-oriented docs surface; Wave's marketing pages contain no mention of llms.txt or agent-consumable documentation, and its developer portal is blocked to crawlers.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
A live llms.txt index exists at docs.kick.co/llms.txt (HTTP 200, confirmed by probe) with markdown mirrors and a documented ask-query interface, plus a real MCP JSON-RPC endpoint for docs search, giving agents multiple ways to consume agent-oriented documentation. missing for 10: this is a GitBook platform surface rather than a Kick-built capability, and there's no independent (non-vendor) corroboration of agents actually using it successfully.
- [probe] “PROBE llms.txt: HTTP 200 at https://docs.kick.co/llms.txt # Kick Docs ## Business Owners - [Kick Docs for Business Owners](https://docs.ki…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
ai-native userRun the product headlessly / in CI for automation
weight 2 · round drawnWavenone0/10Wave is a small-business accounting/invoicing SaaS with no evidence of a CLI, headless mode, or CI-friendly automation surface; llms.txt and OpenAPI probes both 404, and the developer/API portal is walled off with no documented programmatic interface. Nothing suggests Wave can be run headlessly or scripted in a CI pipeline.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10No evidence of an API, CLI, or headless automation surface for actual Kick operations: OpenAPI/swagger probes all 404, and the only live MCP endpoint found is a GitBook docs-search server, not a Kick account/ledger API. The single 'MCP/CLI' mention on the pricing page is a bare link with no supporting documentation of scriptable/CI-usable functionality.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “MCP/CLI”
ai-native userPlug MCP servers into this product so it can use their tools
weight 3 · round drawnWavenone0/10Wave is small-business accounting/invoicing SaaS; no evidence of an MCP server or ability to plug MCP tools in. llms.txt and OpenAPI probes both 404, and the developer portal is inaccessible/undocumented on public pages, so the applicable axis (as a SaaS product could plausibly expose an MCP integration) has no supporting evidence.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10There is no evidence that Kick lets users plug external MCP servers into the product so it can call their tools. The only MCP-related evidence is a GitBook-provided docs-search MCP endpoint (serving documentation, not Kick data or actions) and a separate workflow where Kick data is exported to Google Sheets for AI tools to read — neither shows Kick acting as an MCP client consuming external servers.
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
ai-native userConnect an agent via an official MCP server
weight 3 · round drawnWavenone0/10Wave is an accounting SaaS product, so an official MCP server is a plausible axis, but there is no evidence of any MCP server, API docs accessible, or agent integration; probes for llms.txt and OpenAPI both 404, and the developer portal is walled off from crawling.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10The only MCP endpoint found is a generic GitBook platform docs-search server (serverInfo "mcp-typescript server on vercel"), explicitly noted as serving documentation, not Kick account data or ledger actions — not an official Kick-built MCP server. Kick's documented AI workflow instead routes through Google Sheets exports for LLMs, with no first-party MCP server for agent access to financial data or actions.
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
ai-native userUse an official CLI
weight 2 · round drawnWavenone0/10No evidence of any official CLI for Wave; probes for llms.txt and API docs both 404/403, and marketing pages document no CLI, API, or agent tooling surface.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10No evidence of a Kick-built CLI exists; the only 'CLI' mention is an unresolved label on a pricing page, and the actual agent-facing surfaces documented (GitBook llms.txt, GitBook MCP endpoint, Google Sheets AI workflow) are docs-search or spreadsheet integrations, not a command-line interface for interacting with Kick. missing for 10: any documented CLI tool, install instructions, command reference, or hands-on confirmation of a Kick CLI.
- [claimed-docs] “MCP/CLI”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
ai-native userDrive the product through a documented public API
weight 3 · round drawnWavenone0/10Marketing pages document no public API, and direct probes for llms.txt/OpenAPI both 404; the developer portal exists but is blocked to crawlers so no documented, accessible API surface is evidenced.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10No documented public API for driving Kick itself was found: an OpenAPI/API probe returned 404s everywhere, and the only working MCP endpoint is explicitly a GitBook docs-search server that 'serves documentation, not Kick account data or ledger actions.' The AI integration path is one-way reporting into Google Sheets for LLMs to read, not a programmatic API to act on the product.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
ai-native userIssue scoped/least-privilege API credentials for an agent
weight 2 · round drawnWavenone0/10No evidence of any API credential system, scoped tokens, or agent-oriented access controls; Wave's role-based access is for human collaborators (admin/editor/viewer), and its developer/API portal could not even be crawled to confirm any credentialing mechanism exists.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [claimed-docs] “A perpetual free Starter plan plus a per-business Pro plan: "The subscription fee for the Pro Plan is per business, not per owner... you'd s…”
Kicknone0/10No evidence of any API credential system, scoped tokens, OAuth grants, or agent-specific permission levels for Kick's product/account data—only role-based access control for human team members and a documentation-search MCP endpoint unrelated to account access. No mention of issuing least-privilege API keys or credentials for AI agents to act on a user's financial data.
- [claimed-docs] “Kick uses role-based access control so you decide exactly who can see and do what in your workspace.”
- [claimed-docs] “"All data transmitted to and from Kick is encrypted in transit using TLS. Data at rest is encrypted using AES-256... Kick connects to your f…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
ai-native userBuild against official SDKs
weight 2 · round drawnWavenone0/10No evidence of official SDKs for AI-native/programmatic use; llms.txt and OpenAPI probes both 404, and the developer/GraphQL API portal is walled off from crawling with no documentation surfaced. Marketing pages describe only end-user accounting features, not SDKs.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10There is no evidence of an official Kick SDK: the OpenAPI/Swagger probe returned 404 on all candidate paths, and the only MCP endpoint found (kick-probe-3) is GitBook's generic docs-search MCP server, not a Kick-built API/SDK — it serves documentation, not account or ledger data. AI workflows are routed indirectly through Google Sheets exports rather than a programmable SDK.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
ai-native userSubscribe to events via webhooks
weight 2 · round drawnWavenone0/10No evidence of webhook support anywhere in Wave's marketing pages or developer portal; the developer portal itself couldn't be crawled and is described as documenting no webhook surface, and llms.txt/openapi probes both returned 404.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Agentic features
ai-native userGet AI-generated insights and suggestions from my data inside the product
weight 2 · round to KickWavenone0/10Evidence shows OCR data extraction and automation (auto-categorize, reminders) but no AI-generated insights, analysis, or suggestions surfaced to users; reports are static comparisons, not AI-driven recommendations. No mention of AI/ML-based insight generation anywhere in the pack.
- [claimed-docs] “Scan unlimited receipts and bulk import up to 10 at once to save time. Our smart OCR technology extracts and organizes the data—meaning less…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify …”
Kick documents AI categorization of transactions (auto-labeling ~97% on first pass, confidence-gated, learns from corrections) and real-time P&L updates from that AI action, which is a form of AI acting on user data. However, this is transactional automation, not explicit 'insights and suggestions' (e.g., anomaly flags, forecasts, recommendations) surfaced inside the product itself; the only place data is 'reasoned over' by AI (Gemini/Claude/ChatGPT) is via export to Google Sheets, which is outside the core product UI. Missing for 10: in-app AI-generated insights/recommendations dashboard, proactive suggestions beyond categorization, and evidence of AI reasoning happening natively within Kick rather than via Sheets/GitBook docs-search surfaces.
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [probe] “PROBE llms.txt: HTTP 200 at https://docs.kick.co/llms.txt # Kick Docs ## Business Owners - [Kick Docs for Business Owners](https://docs.ki…”
ai-native userSet up automations that run autonomously in the background
weight 2 · round drawnWave ships several fixed, always-on background automations (auto bank import/categorization, recurring invoices with auto payment reminders, auto payroll tax filing) that run without manual triggering, per wave-docs-2, wave-docs-5, wave-docs-10, wave-docs-14. However these are hard-coded product features, not a general-purpose automation/agent framework the user can configure, and there is no API, webhook, or MCP surface documented for building custom autonomous workflows (wave-probe-1, wave-probe-2, wave-supp-dev-portal-wall). Missing for 10: a configurable automation builder, any AI-agent/orchestration capability, and a documented API/webhook layer for extending automations.
- [claimed-docs] “Schedule reminders to automatically deploy 3, 7, and 14 days after sent invoices are due, so you don't have to keep chasing customers.”
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
- [claimed-docs] “Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments.”
- [claimed-docs] “Wave’s complete payroll tax service will automatically pay and file your state and federal payroll taxes.”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kick automates categorization, transfer matching, reconciliation checks, and rule-based overrides continuously in the background (kick-supp-categorization, kick-supp-reconciliation, kick-docs-7), which is a form of autonomous background automation for bookkeeping tasks. However, this is limited to Kick's own fixed bookkeeping pipeline, not a general-purpose, user-configurable automation/agent framework that an AI-native user could set up for arbitrary autonomous tasks. missing for 10: evidence of user-defined autonomous workflows/agents beyond built-in categorization rules, a scheduling/trigger system for custom automations, or an automation builder — none is documented; MCP surfaces found are docs-search only, not action-capable agents.
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
ai-native userDelegate tasks to a built-in AI assistant inside the product
weight 3 · round to KickWavenone0/10No evidence anywhere in the pack of a built-in AI assistant or agentic feature; Wave's docs describe automation (auto-import, OCR, reminders) but nothing about delegating tasks to an AI assistant, and the developer portal is inaccessible with no API/AI mention on marketing pages.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [claimed-docs] “Scan unlimited receipts and bulk import up to 10 at once to save time. Our smart OCR technology extracts and organizes the data—meaning less…”
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
Kick documents AI automation for bookkeeping (auto-categorization with confidence gating, described as 'self-driving' per llms.txt) and logs AI actions in an audit trail, but this is background automation of a fixed task, not a conversational assistant a user delegates arbitrary tasks to. The actual 'ask an AI' workflow routes through external tools (Gemini/Claude/ChatGPT) reasoning over exported Sheets data, not a built-in assistant inside Kick's own UI. Missing for 10: a native in-product chat/assistant interface, evidence of delegating open-ended tasks (not just categorization) to it, and independent confirmation of this workflow beyond vendor docs.
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [probe] “PROBE llms.txt: HTTP 200 at https://docs.kick.co/llms.txt # Kick Docs ## Business Owners - [Kick Docs for Business Owners](https://docs.ki…”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
ai-native userOperate the product with natural-language commands
weight 2 · round to KickWavenone0/10No evidence of any natural-language command interface, chat assistant, or AI-native control surface; Wave's marketing pages describe only manual UI-based accounting/invoicing features, and probes for llms.txt/openapi found nothing, with the developer portal walled off from crawling.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kick supports AI-native interaction only indirectly: reports sync as live data to Google Sheets so Gemini/Claude/ChatGPT can read, reason over, and even write back to the sheet, and the docs are agent-legible via GitBook's MCP/llms.txt surfaces. But there's no evidence of a native chat/NL command interface inside Kick itself for issuing commands like 'recategorize this transaction' or 'send this invoice' — the MCP endpoint found only serves documentation search, not account actions, and AI categorization is automatic/rule-based rather than user-prompted NL commands. Missing for 10: a first-party NL command interface or agent that can execute ledger/invoicing/bill-pay actions directly from user prompts, and independent corroboration of the write-back capability actually altering Kick data (not just the sheet).
- [claimed-docs] “Your Kick reports land as live spreadsheet data in your workbook, so Gemini, Claude, or ChatGPT can read and reason over them.”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
Api quality
ai-native userExplore an interactive API reference with runnable examples
weight 2 · round drawnWavenone0/10There is no evidence of an interactive API reference or runnable examples; probes for openapi/llms.txt returned 404s, and the developer portal itself is blocked from crawling with no documented API surface accessible.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10There's no evidence of an interactive API reference or runnable code examples; probes explicitly show no OpenAPI/Swagger spec exists (all candidate paths 404), and the only 'API-like' surface is GitBook's generic docs-search MCP endpoint, which serves documentation text, not a runnable API reference.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
ai-native userDownload a machine-readable API spec (OpenAPI or equivalent)
weight 2 · round drawnWavenone0/10Direct probes for OpenAPI/swagger specs and llms.txt returned 404s, and Wave's developer portal (GraphQL API) is blocked to crawlers with no machine-readable spec surfaced; marketing pages document no API spec at all.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10A direct probe for an OpenAPI/Swagger spec returned 404 on all candidate paths, and no evidence pack item shows a downloadable machine-readable API spec for Kick's own product API; the only machine-readable surfaces found (llms.txt, GitBook MCP) serve documentation, not an API contract.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
ai-native userTest against a sandbox environment without touching production data
weight 1 · round drawnWavenone0/10No evidence of any sandbox, staging, test-mode, or dev environment for Wave; the developer portal is inaccessible and marketing pages document no API/test environment for isolating data from production.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
ai-native userRely on versioned APIs with a documented deprecation policy
weight 2 · round drawnWavenone0/10No evidence of versioned APIs or a documented deprecation policy; the developer/API portal is inaccessible for crawling and Wave's public marketing pages document no API surface at all, with llms.txt and OpenAPI probes both returning 404.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10No evidence of a public, versioned Kick API exists — the openapi/swagger probe returned 404 on all candidate paths, and the only MCP/API-like surface found is GitBook's generic docs-search MCP endpoint, not a Kick-built account/ledger API. There is no mention anywhere in the docs of API versioning schemes or a deprecation policy.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
Automation depth — how much of the product can run unattendedAutomation depth
How much of the product can run unattended
ai-native userPerform bulk operations across many items at once
weight 2 · round to KickWave documents a narrow bulk feature (uploading up to 10 receipts at once with OCR), but there is no evidence of broader bulk operations (e.g., bulk invoice creation/edits, bulk transaction updates) or any API/CLI/MCP surface an AI-native user could script against — the developer portal is crawl-walled and no OpenAPI/llms.txt exists. missing for 10: bulk invoice/transaction/customer operations, programmatic API or CLI access for scripted bulk actions, evidence beyond the 10-item receipt cap.
- [claimed-docs] “Scan unlimited receipts and bulk import up to 10 at once to save time. Our smart OCR technology extracts and organizes the data—meaning less…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kick's AI categorizes ~97% of transactions automatically and rules apply logic across every matching transaction going forward, and multi-entity transaction splitting affects many items at once — all forms of bulk-scale automation. However there is no documented bulk-edit UI, batch API, or CLI/MCP action surface for an AI agent to programmatically trigger bulk operations across many items on demand. Missing for 10: explicit bulk-select/bulk-edit feature, a programmatic bulk-action API or CLI, and evidence of agent-triggered bulk operations beyond passive AI categorization.
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
- [claimed-docs] “For expenses shared across businesses - like rent, software, or insurance - you can split a single transaction across multiple entities by a…”
- [claimed-docs] “Upload PDF bank statements or CSVs for institutions not supported by Plaid, or to backfill historical data.”
ai-native userDefine rules that trigger actions automatically on events
weight 3 · round to KickWavenone0/10Wave offers only a handful of fixed, vendor-built automations (recurring invoices, overdue reminders, auto payroll tax filing, bank auto-categorization) — none of these let a user define custom rules or trigger-action logic on arbitrary events. No evidence of a rules engine, webhooks, or conditional automation builder; the developer/API surface is walled off (403) and marketing pages document no such capability.
- [claimed-docs] “Schedule reminders to automatically deploy 3, 7, and 14 days after sent invoices are due, so you don't have to keep chasing customers.”
- [claimed-docs] “Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments.”
- [claimed-docs] “Wave’s complete payroll tax service will automatically pay and file your state and federal payroll taxes.”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kick's documented Rules feature lets users define logic that overrides AI categorization and 'run automatically whenever a matching transaction syncs' — a real event-triggered automation rule engine. However, this is scoped narrowly to transaction categorization events rather than a general-purpose trigger/action framework spanning arbitrary events (e.g., invoicing, bill pay, entity actions). Missing for 10: evidence of rules triggering on non-categorization events, multi-step or cross-feature actions, and any user-facing rule builder UI/API details beyond the single doc description.
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
ai-native userSchedule recurring jobs or workflows
weight 2 · round to WaveWave supports one narrow recurring automation — recurring invoices and payment reminders (wave-docs-10, wave-docs-2) — but there is no evidence of a general-purpose scheduler, API-triggered jobs, or workflow automation platform that an AI-native user could hook into; its developer/API surface is walled off from public documentation (wave-supp-dev-portal-wall, wave-probe-1, wave-probe-2). Missing for 10: programmable/scriptable recurring jobs beyond invoicing, API or webhook-based scheduling, and any AI/automation-platform integration evidence.
- [claimed-docs] “Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments.”
- [claimed-docs] “Schedule reminders to automatically deploy 3, 7, and 14 days after sent invoices are due, so you don't have to keep chasing customers.”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kicknone0/10Kick documents event-driven automation (AI categorization on sync, rules triggered by matching transactions) but no evidence of user-schedulable recurring jobs/workflows (e.g., recurring invoices, scheduled reports, cron-like automation) that an AI-native user could set up and manage.
ai-native userVersion, review, and roll back my automations
weight 1 · round drawnWavenone0/10Wave is a small-business accounting/invoicing SaaS with no evidence of automation version control, review workflows, or rollback capabilities for AI-driven automations; the evidence pack shows only accounting features (invoicing, payroll, receipts) and confirms no API/developer docs were accessible.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kicknone0/10Kick documents an audit trail (Activity tab) that logs categorization/rule changes, but there is no evidence of versioning automation Rules or rolling back an automation to a prior state — only a log of what happened, not a way to view/restore prior rule versions.
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
Banking reconciliation — stories about banking reconciliation in this arenaBanking reconciliation
Stories about banking reconciliation in this arena
Ai reconciliation
ai-native userHave an agent reconcile a month end-to-end, matching transactions, flagging exceptions, and preparing the close for human review
weight 3 · round to KickWavenone0/10Wave's evidence covers auto-import/categorization, invoicing, payroll, and receipts, but there is no mention of an AI agent performing end-to-end reconciliation, flagging exceptions, or preparing a close for human review; no automation/agent framework or API for such orchestration is documented, and the developer portal is a crawl wall with no public API/agent hooks shown.
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kick's AI auto-categorizes ~97% of transactions and gates low-confidence items for manual review, and the product includes month-end period locks and a full audit trail logging AI agent actions — echoing pieces of an end-to-end reconciliation workflow. However, the reconciliation docs themselves describe reconciliation as a process of comparing Kick's records to bank statements without documenting that Kick's AI actually performs the matching/flagging of reconciliation exceptions (as opposed to categorization); there's no evidence of a single agent command that walks through match, flag, and prepare-for-review end-to-end. Missing for 10: documented AI-driven bank-statement matching/exception flagging specific to reconciliation (not just categorization), and a described single-agent workflow that completes a full month-end close autonomously.
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [probe] “PROBE llms.txt: HTTP 200 at https://docs.kick.co/llms.txt # Kick Docs ## Business Owners - [Kick Docs for Business Owners](https://docs.ki…”
Bank feeds
founderConnect bank and credit-card accounts so transactions import automatically every day
weight 3 · round to WaveWave's Pro Plan explicitly documents automatic daily bank/credit-card feed import with auto-merge and categorization, directly matching the story, and this is corroborated across multiple marketing pages. Missing for 10: independent/hands-on verification (e.g., user reviews confirming daily reliability) beyond vendor claims, and no detail on credit-card-specific connection flow distinct from bank accounts.
- [claimed-docs] “Auto-import bank transactions... Auto-merge and categorize bank transactions”
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
Kick's docs confirm bank/credit-card connection via Plaid with automatic transaction sync ('every transaction in Kick comes from a bank feed or an import'), AI categorization triggered 'when transactions sync into Kick', and a PDF/CSV fallback for institutions Plaid doesn't cover. This clearly delivers the core capability, though the exact 'daily' cadence isn't explicitly stated and there's no independent/hands-on corroboration of sync reliability. Missing for 10: explicit statement of daily sync frequency, independent verification of import reliability.
- [claimed-docs] “"All data transmitted to and from Kick is encrypted in transit using TLS. Data at rest is encrypted using AES-256... Kick connects to your f…”
- [claimed-docs] “Upload PDF bank statements or CSVs for institutions not supported by Plaid, or to backfill historical data.”
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
Categorization
founderGet automatic categorization suggestions for imported transactions that learn from my corrections
weight 2 · round to KickWave documents automatic bank transaction import and categorization on the Pro Plan (auto-merge/categorize), but no evidence anywhere describes the system learning from user corrections over time — a core part of the story. Missing for 10: any documentation of a learning/adaptive categorization mechanism, evidence that manual recategorization improves future suggestions, and independent/hands-on confirmation of categorization accuracy improving.
- [claimed-docs] “Auto-import bank transactions... Auto-merge and categorize bank transactions”
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
Kick's docs explicitly state AI auto-categorizes ~97% of transactions on first pass, learns from user corrections, and lets users create Rules that override AI categorization permanently for future matching transactions — directly matching the story's requirement for learning-based categorization suggestions. Confidence gating (low-confidence transactions left uncategorized) further supports a learning/feedback loop. Missing for 10: no independent/hands-on verification of the learning accuracy or how quickly corrections propagate, and no detail on the mechanism (per-vendor vs. global learning).
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
Reconciliation
accountantReconcile each bank account against the ledger with matched, unmatched, and duplicate transactions surfaced for review
weight 3 · round to KickWave documents bank auto-import with auto-merge and categorization (implying some duplicate/match handling), but there is no evidence of a dedicated reconciliation view that explicitly surfaces matched, unmatched, and duplicate transactions for accountant review, nor of bank-to-ledger balance reconciliation reporting. Missing for 10: explicit unmatched-transaction review UI, duplicate-transaction flagging documentation, and a formal reconciliation/statement-balance-match report.
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
- [claimed-docs] “Auto-import bank transactions... Auto-merge and categorize bank transactions”
Kick's docs describe reconciliation as comparing ledger transactions against bank/credit statements to confirm amounts, dates, and flag missing or duplicate transactions, which aligns with the matched/unmatched/duplicate framing in the story. However, there's no detailed evidence of a dedicated UI that explicitly buckets transactions into 'matched,' 'unmatched,' and 'duplicate' categories for accountant review, nor screenshots or workflow steps showing how discrepancies are resolved. Missing for 10: explicit UI/workflow evidence of distinct matched/unmatched/duplicate views, reconciliation report exports, and independent/hands-on confirmation of the review process.
- [claimed-docs] “Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythin…”
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
Bills ap — stories about bills ap in this arenaBills ap
Stories about bills ap in this arena
Bill management
accountantCapture vendor bills, route them for approval, and schedule payments from one workflow
weight 2 · round to KickWavenone0/10Evidence only shows Wave lets users 'create unlimited... bills' as a record type (wave-docs-7); there is no mention of vendor bill capture workflow, approval routing, or scheduled bill payments anywhere in the pack. Wave's payments feature is explicitly for receiving customer payments on invoices, not paying vendors (wave-supp-payments), and no AP-specific workflow is documented.
- [claimed-docs] “Create unlimited estimates, invoices, bills, and bookkeeping records”
- [claimed-docs] “"Wave's online payments software helps you get paid quickly by bank deposit, credit card, and Apple Pay... Customers can pay instantly by cr…”
- [claimed-docs] “Invoicing with payment collection built in: "Send professional invoices... Get paid fast via credit card, bank payment, or Apple Pay... Auto…”
Kick can 'view and manage' bills synced in real time from Ramp or BILL, but the docs explicitly note Kick does not capture bills natively or execute vendor payments itself — it relies on synced data from external AP tools, and there is no documented approval-routing workflow within Kick. Missing for 10: native bill capture/OCR intake, an in-app approval-routing step, and evidence of Kick itself scheduling/executing payments (currently pass-through from Ramp/BILL).
- [claimed-docs] “View and manage your bills in Kick, with real-time sync from Ramp or BILL.”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
Payables
accountantSee accounts payable aging and vendor balances at any point in time
weight 2 · round to KickWavenone0/10Evidence confirms Wave supports creating bills and general accounting reports (month-to-month/year-to-year comparisons), but nothing documents an accounts-payable aging report or vendor balance tracking at a point in time. Missing for 10: AP aging report, vendor balance summary/statement, point-in-time vendor ledger view.
- [claimed-docs] “Create unlimited estimates, invoices, bills, and bookkeeping records”
- [claimed-docs] “Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify …”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kick supports AP-adjacent features — viewing and managing bills with real-time sync from Ramp/BILL (kick-docs-13, kick-supp-invoicing-billpay), a real double-entry ledger (kick-supp-journal-entries), and locked periods that keep historical reports stable so numbers can be trusted 'at any point in time' (kick-supp-locks, kick-docs-14). However, there is no explicit documentation of an AP aging report (e.g., 30/60/90-day buckets) or a vendor-balance summary view — only bill list/sync visibility is evidenced. Missing for 10: dedicated AP aging report, vendor balance summary/report, and evidence of historical point-in-time AP snapshots beyond generic locked-period stability.
- [claimed-docs] “View and manage your bills in Kick, with real-time sync from Ramp or BILL.”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “Reports for locked periods remain accurate and stable.”
Close collaboration — stories about close collaboration in this arenaClose collaboration
Stories about close collaboration in this arena
Close process
accountantLock closed periods so prior-period numbers cannot change without an explicit reopening
weight 2 · round to KickWavenone0/10No evidence Wave offers period locking or close controls; docs mention role-based access and reports but nothing about locking closed periods or preventing prior-period edits without explicit reopening.
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “A perpetual free Starter plan plus a per-business Pro plan: "The subscription fee for the Pro Plan is per business, not per owner... you'd s…”
Kick documents explicit period locking: an accountant locks a period after review, which 'protects the finalized books for that period from being changed - by anyone, including you,' and locked-period reports 'remain accurate and stable,' implying reopening is required for changes. This directly matches the accountant story of preventing prior-period edits without explicit reopening. Missing for 10: explicit documentation of the reopening workflow/permissions and independent/hands-on confirmation beyond vendor docs.
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “Reports for locked periods remain accurate and stable.”
accountantRun a month-end close against a checklist that tracks reconciliations, accruals, and review sign-offs
weight 3 · round to KickWavenone0/10No evidence of any month-end close checklist, reconciliation tracking, accrual management, or review sign-off workflow; Wave's evidence covers invoicing, payroll, receipts, and basic reports only, and it explicitly positions itself as built for small business owners rather than accountants performing formal close processes.
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify …”
Kick documents core close primitives — reconciliation against bank statements, period locks that finalize books, an audit trail of activity/AI actions, and rules/categorization workflows — which together support month-end close discipline. However, there is no evidence of a dedicated checklist feature tracking accruals as discrete tasks, formal review sign-off workflows, or a consolidated close-status dashboard for accountants. Missing for 10: a documented month-end checklist UI, explicit accrual task tracking, and formal sign-off/approval steps beyond simple period locking.
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [claimed-docs] “Rules let you tell Kick exactly how to handle specific transactions - overriding AI categorization with your own logic.”
- [claimed-docs] “"Kick sets up a standard Chart of Accounts when you create your workspace, and you or your accountant can adjust it from there: adding, rena…”
Collaboration
founderInvite my external accountant or bookkeeper with role-scoped access to review and adjust the books
weight 3 · round to KickWave explicitly documents inviting an accountant/bookkeeper with role-scoped access (payroll manager, admin, editor, viewer on Pro, or free accountant/tax pro role), directly matching the story. Missing for 10: independent/hands-on verification of the invite/permissions flow and finer detail on what each role can/cannot edit.
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “A perpetual free Starter plan plus a per-business Pro plan: "The subscription fee for the Pro Plan is per business, not per owner... you'd s…”
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
Kick explicitly supports role-based access control ('you decide exactly who can see and do what'), lock periods where an accountant can finalize and lock books against changes, a full audit trail of workspace activity, and a dedicated Tax Package/accountant workflow with a marketed accountants page — together enabling a founder to invite an external accountant with scoped access to review/adjust books. Missing for 10: no explicit documentation of granular invite flow or specific role types (e.g., 'accountant' vs 'bookkeeper' role names) and no independent/hands-on confirmation of the invite UX.
- [claimed-docs] “Kick uses role-based access control so you decide exactly who can see and do what in your workspace.”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [claimed-docs] “The Tax Package generates a single Excel file with everything your accountant or tax preparer needs to file your taxes - no manual exports, …”
- [claimed-docs] “We pivoted off QBO completely, and our team now outputs 10x what we used to without adding a single headcount.”
- [claimed-docs] “Reports for locked periods remain accurate and stable.”
Integrations data — stories about integrations data in this arenaIntegrations data
Stories about integrations data in this arena
Data access
developerPull the full general ledger and trial balance through a documented API in open formats
weight 3 · round drawnWavenone0/10Evidence shows Wave's developer/GraphQL API portal exists but is crawl-walled and unverifiable, and explicit probes for llms.txt/openapi/swagger all return 404; no documentation confirms GL or trial balance export via API in open formats (CSV/JSON/XML). Marketing pages describe UI-based 'reports' but never reference an API endpoint for ledger/trial balance data.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kicknone0/10Kick documents a real double-entry ledger, chart of accounts, and journal entries, but there is no evidence of a documented API for exporting the general ledger or trial balance in open formats — the openapi probe returned 404s on all candidate endpoints, and the only 'API'-like surfaces found are a GitBook docs-search MCP server and Google Sheets AI integration, neither of which expose ledger/GL data programmatically.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [claimed-docs] “"Kick sets up a standard Chart of Accounts when you create your workspace, and you or your accountant can adjust it from there: adding, rena…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
Integrations
founderConnect my banking, payments, and payroll systems so their activity flows into the ledger automatically
weight 2 · round to KickWave clearly documents automatic bank-feed import/categorization (Pro plan) and integrated online payments that flow directly into invoicing/accounting records, so banking and payments activity does land in the ledger automatically. However, the payroll product's features (direct deposit, tax filing, employee portal) are described in isolation with no explicit statement that payroll transactions sync into the accounting ledger the way bank/payment data does, and there's no evidence of an API/webhook layer for connecting external banking, payment, or payroll systems beyond Wave's own native modules. Missing for 10: explicit documentation that payroll runs automatically post to the general ledger, and any API/integration surface for external banking or payroll systems.
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
- [claimed-docs] “Connect your bank accounts in seconds with the Pro Plan. Transactions will appear in your bookkeeping automatically, and you'll say goodbye …”
- [claimed-docs] “Invoicing with payment collection built in: "Send professional invoices... Get paid fast via credit card, bank payment, or Apple Pay... Auto…”
- [claimed-docs] “"Wave's online payments software helps you get paid quickly by bank deposit, credit card, and Apple Pay... Customers can pay instantly by cr…”
- [claimed-docs] “Run payroll in minutes”
- [claimed-docs] “Wave’s complete payroll tax service will automatically pay and file your state and federal payroll taxes.”
- [claimed-docs] “Deposit payments directly into your employees’ bank accounts. Less work for you, and your team will love it.”
Kick connects banking via Plaid (with manual PDF/CSV backfill for unsupported institutions), syncs payment/invoicing data from Stripe, Mercury, Ramp, and BILL, and posts payroll runs directly as journal entries into a real double-entry ledger with automated AI categorization. missing for 10: explicit named payroll provider integrations (e.g., Gusto/Rippling) beyond the generic 'payroll run' mention, and independent third-party corroboration beyond Kick's own docs.
- [claimed-docs] “Upload PDF bank statements or CSVs for institutions not supported by Plaid, or to backfill historical data.”
- [claimed-docs] “View invoices synced from Stripe, Mercury, and BILL, and create and send invoices directly from Kick.”
- [claimed-docs] “View and manage your bills in Kick, with real-time sync from Ramp or BILL.”
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
Migration
founderMigrate historical books from another accounting system without losing transaction detail
weight 1 · round to KickWave mentions an 'onboarding' process for switching from other accounting software like Freshbooks, but this is a single glancing bullet point with no detail on how historical transactions, ledgers, or account balances are actually imported or whether transaction-level detail is preserved. missing for 10: documented import/migration tool, description of data mapping (chart of accounts, historical invoices, journal entries), evidence that no transaction detail is lost, and any independent user reports of successful bookkeeping migrations.
- [claimed-docs] “Onboarding when switching from other accounting software, like Freshbooks”
- [claimed-docs] “When you switch from another payroll software, migrating your data is simple.”
Kick documents CSV/PDF backfill for historical data and offers a paid 'Advanced' tier with dedicated 'migration support,' plus a customer testimonial about switching off QBO — suggesting migration is a supported workflow. However, there's no documentation of how transaction-level detail, historical journal entries, or opening balances are preserved during a full accounting-system migration. Missing for 10: detailed migration/import methodology, evidence of transaction-level fidelity (e.g., historical journal entries, categorization history) surviving migration, and independent corroboration beyond one testimonial.
- [claimed-docs] “Upload PDF bank statements or CSVs for institutions not supported by Plaid, or to backfill historical data.”
- [claimed-docs] “We pivoted off QBO completely, and our team now outputs 10x what we used to without adding a single headcount.”
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
Invoicing ar — stories about invoicing ar in this arenaInvoicing ar
Stories about invoicing ar in this arena
Invoicing
founderCreate and send invoices with online payment options and see when they are viewed and paid
weight 3 · round to WaveWave's docs directly cover invoice creation, branded templates, online payment via 'Pay now' (credit card/bank/Apple Pay), and status tracking (viewed, due, paid) plus overdue reminders — exactly matching the story. Missing for 10: independent/hands-on corroboration beyond vendor marketing pages.
- [claimed-docs] “Know when an invoice is viewed, becomes due, or gets paid, so you can take the right actions to manage your cash flow.”
- [claimed-docs] “Customers can click a “Pay now” button on invoices and pay instantly by credit card or secure bank payment (ACH/EFT) for as little as 1%2 pe…”
- [claimed-docs] “Add your logo and brand colors to our professional invoice templates. Drag-and-drop editing makes it easy to customize!”
- [claimed-docs] “Invoicing with payment collection built in: "Send professional invoices... Get paid fast via credit card, bank payment, or Apple Pay... Auto…”
- [claimed-docs] “"Wave's online payments software helps you get paid quickly by bank deposit, credit card, and Apple Pay... Customers can pay instantly by cr…”
Kick lets founders create and send invoices directly and also view invoices synced from Stripe, Mercury, and BILL, giving AR visibility; but the docs describe invoicing as largely a sync/view layer for AR (no native online payment collection is documented, and there's no mention of payment-status tracking like 'viewed' or 'paid' timestamps within Kick itself — that likely happens on the connected platform, not in Kick). missing for 10: documented online payment collection built into Kick-issued invoices, and explicit view/paid status tracking or notifications within Kick's own invoicing UI.
- [claimed-docs] “View invoices synced from Stripe, Mercury, and BILL, and create and send invoices directly from Kick.”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
founderSet up recurring invoices and automatic payment reminders for overdue customers
weight 2 · round to WaveWave's documentation explicitly covers both halves of the story: recurring invoices with automatic credit card payments for repeat customers (wave-docs-10), and automatic overdue payment reminders scheduled at 3/7/14 days (wave-docs-2, wave-supp-invoicing). Missing for 10: independent/hands-on corroboration beyond vendor marketing pages, and detail on customizing reminder cadence beyond the fixed schedule.
- [claimed-docs] “Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments.”
- [claimed-docs] “Schedule reminders to automatically deploy 3, 7, and 14 days after sent invoices are due, so you don't have to keep chasing customers.”
- [claimed-docs] “Invoicing with payment collection built in: "Send professional invoices... Get paid fast via credit card, bank payment, or Apple Pay... Auto…”
Kicknone0/10Kick's docs confirm basic invoicing (viewing synced invoices from Stripe/Mercury/BILL, and creating/sending invoices directly from Kick) but there is no mention anywhere in the evidence of recurring/repeating invoice schedules or automated overdue-payment reminders. missing for 10: recurring invoice scheduling, automatic overdue payment reminder/dunning workflow.
- [claimed-docs] “View invoices synced from Stripe, Mercury, and BILL, and create and send invoices directly from Kick.”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
Receivables
accountantTrack accounts receivable with aging reports and per-customer balances
weight 2 · round to KickWavenone0/10Evidence describes general accounting reports (cash-flow trend comparisons) and per-invoice status tracking (viewed/due/paid), but nothing in the pack specifically documents an accounts-receivable aging report or a per-customer balance summary. Missing for 10: explicit AR aging report feature, per-customer balance/statement view, any documentation naming 'aging' or customer-level receivables tracking.
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Know when an invoice is viewed, becomes due, or gets paid, so you can take the right actions to manage your cash flow.”
- [claimed-docs] “Invoicing with payment collection built in: "Send professional invoices... Get paid fast via credit card, bank payment, or Apple Pay... Auto…”
Kick supports AR via invoices synced from Stripe/Mercury/BILL and native invoice creation (kick-docs-12, kick-supp-invoicing-billpay), and the Plus plan advertises 'AR & AP' as a feature (kick-supp-pricing), implying some balance tracking exists. However, there is no documented aging report, no explicit per-customer balance/statement view, and AR appears to depend on synced platforms rather than a dedicated native AR module. Missing for 10: documented aging reports (30/60/90-day buckets), per-customer balance ledger or statement view, and any hands-on/independent confirmation of AR reporting depth.
- [claimed-docs] “View invoices synced from Stripe, Mercury, and BILL, and create and send invoices directly from Kick.”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
Ledger coa — stories about ledger coa in this arenaLedger coa
Stories about ledger coa in this arena
Ai ledger
ai-native userHave an agent draft and post journal entries via the API and leave them in a review queue for my accountant
weight 3 · round drawnWavenone0/10No evidence of an API for posting journal entries, nor any review-queue/approval workflow; the developer portal is inaccessible (403) and marketing pages document no API/MCP/CLI surface, and probes for llms.txt/openapi return 404s.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kicknone0/10Kick documents journal entries, categorization confidence-gating, rules, and period locks, but there is no evidence of a public API/SDK for agents to draft or post journal entries programmatically, nor any 'review queue' workflow exposed via API. The only discovered API-like surface is a GitBook docs-search MCP endpoint (docs only, not ledger actions), and explicit probes for an OpenAPI spec returned 404s.
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
Chart of accounts
accountantCustomize the chart of accounts with account types, sub-accounts, and class or tag dimensions
weight 3 · round to KickWavenone0/10The evidence pack contains no documentation of chart-of-accounts customization, account types, sub-accounts, or class/tag dimensions in Wave; it only vaguely mentions 'Tag it, track it' without describing COA structure, and positions Wave as built for non-accountants using standard double-entry books without customizable account hierarchies. missing for 10: any mention of account type management, sub-account creation, or class/tag dimension reporting.
- [claimed-docs] “Tag it, track it, and see what's working for your business.”
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
Docs confirm a standard Chart of Accounts that accountants can add/rename/restructure, and pricing explicitly lists 'classes' as a Plus-tier dimension feature, supporting class-based tagging. However there is no explicit documentation of sub-account/parent-child hierarchies or generic 'tag' dimensions beyond classes, and account-type customization is only implied by 'restructuring' rather than detailed. Missing for 10: explicit sub-account nesting support, explicit account-type editing controls, and tag (non-class) dimension documentation.
- [claimed-docs] “"Kick sets up a standard Chart of Accounts when you create your workspace, and you or your accountant can adjust it from there: adding, rena…”
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
Journal entries
accountantPost manual journal entries with balanced debits, credits, and supporting memos
weight 3 · round to KickWave explicitly markets itself as 'real, double-entry accounting software,' implying journal-entry mechanics under the hood, but no evidence pack item documents a manual journal-entry screen, debit/credit balancing UI, or memo field for such entries. Missing for 10: explicit manual journal entry feature documentation, debit/credit balance validation details, memo/note field support, and any independent or hands-on confirmation of this specific workflow.
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kick documents a genuine double-entry ledger where every transaction generates a journal entry with debit/credit sides, plus a chart of accounts accountants can adjust, supporting the underlying ledger mechanics. However, the evidence describes journal entries as system-generated from transactions/payroll/bills, not explicit manual entry creation by an accountant with supporting memos. Missing for 10: explicit documentation of manually creating/posting a journal entry, memo/description fields on manual entries, and confirmation entries must balance before posting.
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [claimed-docs] “"Kick sets up a standard Chart of Accounts when you create your workspace, and you or your accountant can adjust it from there: adding, rena…”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
Multi entity audit — stories about multi entity audit in this arenaMulti entity audit
Stories about multi entity audit in this arena
Ai audit
ai-native userHave an agent monitor the ledger and flag anomalies in spend or duplicate transactions before the close
weight 3 · round to KickWavenone0/10No evidence of any AI agent, anomaly detection, duplicate transaction flagging, or automated audit monitoring capability; Wave's evidence covers manual/human-facing bookkeeping, invoicing, payroll and receipts features only, plus a note that its API/developer surface is not documented publicly.
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
- [claimed-docs] “Bank feeds and auto-categorization are a paid-tier feature, stated plainly: "With the Pro Plan, automatically import, merge, and categorize …”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kick's reconciliation workflow explicitly checks for missing/duplicate transactions before close, and AI categorization has confidence-gating that flags low-confidence transactions for manual review, with all actions logged in a full audit trail — covering pieces of anomaly detection. However, there's no documented feature where an agent proactively/continuously monitors the ledger and surfaces anomaly or duplicate alerts ahead of close; the AI-agent angle is limited to external LLMs reasoning over exported Sheets report data, not a native monitoring agent. Missing for 10: a dedicated automated agent/alerting workflow for anomaly and duplicate detection tied to close, and evidence of proactive (vs. manual/scheduled) flagging.
- [claimed-docs] “"Reconciliation is the process of comparing your transactions in Kick against your actual bank or credit card statements to confirm everythi…”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [claimed-docs] “Your Kick reports land as live spreadsheet data in your workbook, so Gemini, Claude, or ChatGPT can read and reason over them.”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
Audit trail
accountantSee a complete audit trail of who changed what and when across the entire ledger
weight 3 · round to KickWavenone0/10Evidence shows multi-user role access (admin/editor/viewer, accountant access) but nowhere documents an audit trail or change log tracking who edited what and when across the ledger. No mention of audit logs, version history, or edit tracking exists in the pack.
- [claimed-docs] “A perpetual free Starter plan plus a per-business Pro plan: "The subscription fee for the Pro Plan is per business, not per owner... you'd s…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kick documents a full Activity tab audit trail logging every transaction change, categorization update, and sync event with timestamp and actor (including AI agent actions), plus period locks that prevent retroactive changes to closed periods and RBAC to control who can act. This directly covers who-changed-what-when across the ledger, including multi-entity workspaces. Missing for 10: no independent/hands-on corroboration of the audit trail in practice, no detail on exporting/filtering audit logs for compliance review, and no explicit confirmation the trail spans across all entities in a multi-entity workspace simultaneously.
- [claimed-docs] “"The Activity tab is a full audit trail of everything that's happened in your workspace. Every transaction change, categorization update, an…”
- [claimed-docs] “The Activity tab is a full audit trail of everything that's happened in your workspace.”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “Reports for locked periods remain accurate and stable.”
- [claimed-docs] “Kick uses role-based access control so you decide exactly who can see and do what in your workspace.”
- [claimed-docs] “If you own more than one business, or have a holding company structure, Kick lets you manage all your entities from a single workspace.”
Multi entity
accountantManage multiple legal entities and produce consolidated financials across them
weight 2 · round to KickWavenone0/10Wave's pricing is explicitly per-business (subscribe and pay separately for each business), with no mention of consolidation, inter-entity eliminations, or a multi-entity reporting view; evidence explicitly frames Wave as built for individual small business owners, not multi-entity accounting.
- [claimed-docs] “A perpetual free Starter plan plus a per-business Pro plan: "The subscription fee for the Pro Plan is per business, not per owner... you'd s…”
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kick documents multi-entity management from a single workspace, including cross-entity expense splitting (kick-docs-5, kick-docs-6), and pricing tiers explicitly support 'unlimited entities' (kick-supp-pricing). However, there is no explicit documentation of consolidated financial statements or roll-up reporting across entities—only per-entity management and transaction splitting are described. Missing for 10: explicit consolidated P&L/Balance Sheet reporting across entities, evidence of a consolidation feature or combined financial statement output.
- [claimed-docs] “If you own more than one business, or have a holding company structure, Kick lets you manage all your entities from a single workspace.”
- [claimed-docs] “For expenses shared across businesses - like rent, software, or insurance - you can split a single transaction across multiple entities by a…”
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
Openness — open source, data portability, and self-hosting storiesOpenness
Open source, data portability, and self-hosting stories
ai-native userDo everything through the API that I can do in the UI
weight 2 · round drawnWavenone0/10Evidence shows no accessible API documentation (developer portal returns 403, no OpenAPI/llms.txt found), and marketing pages document no API/CLI surface that would let users mirror UI actions programmatically. There's no evidence of API parity with UI features like invoicing, payroll, or bank feeds.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kicknone0/10Evidence shows no general Kick API: OpenAPI/swagger probes all 404'd, the only MCP endpoint found is a GitBook docs-search server explicitly noted to serve documentation, not Kick account data or ledger actions, and the AI workflow route is one-directional Google Sheets report export (with limited spreadsheet write-back, not writing into Kick). There is no evidence of programmatic access to core UI actions like categorization, reconciliation, invoicing, or entity management.
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [claimed-docs] “AR and AP run through integrations plus native invoicing: "View invoices synced from Stripe, Mercury, and BILL, and create and send invoices…”
ai-native userExport all of my data in open formats and leave
weight 3 · round to KickWavenone0/10No evidence anywhere in the pack of a data export feature (e.g., CSV/QIF export, open-format backups) or data portability tooling; marketing pages focus on invoicing, payroll, receipts, and payments with no mention of exporting or leaving with your data, and the developer/API surface is walled off (403) with no llms.txt or OpenAPI found. Missing for 10: any documented export-to-open-format feature, data portability docs, or migration-out tooling.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kick offers some export surfaces — a Tax Package that bundles reports into a single Excel file and live Google Sheets sync of reports for AI tools to read — but there is no documented capability to export the full ledger/transactions/journal entries in bulk open formats (CSV/JSON) or a documented account-closure/migration export process; 'migration support' is only mentioned as a paid Advanced-tier perk with no detail. missing for 10: full-data export (transactions, journal entries, chart of accounts) in open formats, documented account closure/migration workflow, evidence of independent/hands-on export testing.
- [claimed-docs] “The Tax Package generates a single Excel file with everything your accountant or tax preparer needs to file your taxes - no manual exports, …”
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
- [claimed-docs] “Upload PDF bank statements or CSVs for institutions not supported by Plaid, or to backfill historical data.”
Privacy posture — data-handling and privacy storiesPrivacy posture
Data-handling and privacy stories
ai-native userChoose where my data is stored (region/residency)
weight 2 · round drawnWavenone0/10No evidence anywhere in the pack mentions data residency, regional storage options, or compliance controls for choosing where data is stored; Wave's marketing pages focus entirely on accounting/invoicing/payroll features with no privacy-posture or data-location documentation.
Kicknone0/10Kick's evidence pack (security, pricing, integrations, multi-entity docs) never mentions data residency options, regional storage selection, or geographic data controls; only generic encryption-in-transit/at-rest claims are documented.
- [claimed-docs] “"All data transmitted to and from Kick is encrypted in transit using TLS. Data at rest is encrypted using AES-256... Kick connects to your f…”
ai-native userControl data retention and deletion
weight 2 · round drawnWavenone0/10Wave is a small-business accounting/invoicing product with no evidence of any data retention or deletion controls, privacy dashboard, or export/erasure tooling in its marketing pages; the developer portal is inaccessible and no API/CLI/MCP docs exist to inspect further.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
ai-native userOpt out of telemetry and usage tracking
weight 2 · round drawnWavenone0/10Wave is a small-business accounting/invoicing SaaS product with no evidence of any telemetry opt-out, privacy controls, or usage-tracking settings documented anywhere in its marketing pages; the developer portal is also inaccessible for verification. No mention of an AI-native usage context or telemetry controls exists in the pack.
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
Kicknone0/10Kick is an accounting/bookkeeping SaaS product, and no evidence pack item addresses telemetry/usage-tracking opt-out settings, a privacy control panel, or any documented data-collection preferences for the product itself. The security doc only covers encryption and Plaid credential handling, not telemetry opt-out.
Reporting statements — stories about reporting statements in this arenaReporting statements
Stories about reporting statements in this arena
Ai insights
ai-native userAsk an agent "can we afford X?" and get an answer grounded in live ledger data pulled through the API
weight 3 · round to KickWavenone0/10No evidence of any AI agent, chat interface, or query capability grounded in live ledger data; the probes show no llms.txt/OpenAPI surface exposed on marketing domain, and the developer/GraphQL API portal is walled off from crawling with no documented AI integration. Marketing pages only describe reports/dashboards, not agent-accessible querying.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
Kick documents an AI workflow where live report data lands in Google Sheets so Gemini/Claude/ChatGPT can read and reason over it, which could support a question like "can we afford X?", but this runs through a spreadsheet bridge, not a genuine public ledger API — probes show openapi/swagger endpoints all 404, and the only live MCP endpoint found serves GitBook documentation search, not ledger data or account actions. Missing for 10: a documented public API or account-scoped MCP server exposing live ledger data directly to agents, and any evidence of natural-language affordability Q&A being answered from it.
- [claimed-docs] “The documented AI workflow routes through Google Sheets: "Use Gemini, Claude, or ChatGPT on live Kick report data in Google Sheets... Your K…”
- [claimed-docs] “Your Kick reports land as live spreadsheet data in your workbook, so Gemini, Claude, or ChatGPT can read and reason over them.”
- [probe] “PROBE openapi: all candidate paths 404 (https://docs.kick.co/openapi.json, https://docs.kick.co/swagger.json, https://docs.kick.co/api/opena…”
- [probe] “PROBE mcp-docs (2026-09-16): keyless JSON-RPC initialize to https://docs.kick.co/~gitbook/mcp completes a real MCP handshake (HTTP 200, prot…”
- [claimed-docs] “The docs are agent-legible via GitBook: a full llms.txt index, .md markdown mirrors on every page, and a documented dynamic query interface …”
Custom reports
accountantBuild custom reports filtered and grouped by class, location, or tag dimensions
weight 2 · round drawnWavenone0/10Wave's evidence pack shows only basic month-to-month/year-to-year comparison reports; there is no mention of class, location, or tag-based report filtering/grouping, which is a QuickBooks/Xero-style feature Wave does not advertise (Wave is explicitly positioned as not built for accountants' advanced needs).
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify …”
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
Kicknone0/10Evidence only shows that the Plus plan includes 'classes' as a feature label in pricing (kick-supp-pricing), but there is no documentation of a report builder that lets users filter/group by class, location, or tag dimensions, nor any mention of 'location' or 'tag' dimensions at all. Missing for 10: documented custom report builder UI, filter/group-by controls, evidence of location dimension, evidence of tag dimension.
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
Statements
founderGenerate an accurate P&L, balance sheet, and cash-flow statement for any period on demand
weight 3 · round drawnWave uses real double-entry accounting and explicitly offers accounting reports with month-to-month/year-to-year comparisons to identify cash flow trends, implying core financial statements are generated from bookkeeping data. However, evidence never explicitly names or confirms a formal P&L, balance sheet, and cash-flow statement generated on-demand for any custom period — only general 'accounting reports' are described. Missing for 10: explicit documentation of P&L/balance sheet/cash-flow statement outputs, ability to select arbitrary custom date ranges, and independent/hands-on confirmation of statement accuracy.
- [claimed-docs] “"Wave uses real, double-entry accounting software. Don't know what that is? No sweat. Accountants do, and they'll thank you for it." Positio…”
- [claimed-docs] “"Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify…”
- [claimed-docs] “Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify …”
Kick's docs show a real double-entry ledger with live P&L and Balance Sheet organized by Chart of Accounts, updating in real time as transactions are categorized, plus period locking that keeps historical reports accurate for any locked period (kick-supp-coa, kick-supp-categorization, kick-supp-journal-entries, kick-supp-locks). However, no evidence explicitly confirms a cash-flow statement report or an 'any period on demand' report generator UI — missing for 10: explicit cash-flow statement documentation, evidence of arbitrary custom date-range reporting on demand, and independent/hands-on verification of statement accuracy.
- [claimed-docs] “"Kick sets up a standard Chart of Accounts when you create your workspace, and you or your accountant can adjust it from there: adding, rena…”
- [claimed-docs] “"Kick automatically categorizes your transactions and learns from your changes. When transactions sync into Kick, the AI categorizes approxi…”
- [claimed-docs] “Kick is a real double-entry ledger: "Every transaction in Kick - whether it came from your bank, a payroll run, or a bill - generates a jour…”
- [claimed-docs] “Period locking is documented: "When your accountant finishes reviewing and closing a period, they lock it. A lock protects the finalized boo…”
- [claimed-docs] “The Tax Package generates a single Excel file with everything your accountant or tax preparer needs to file your taxes - no manual exports, …”
Not comparable on these axes
ai-native userRead the product's source under an open license
weight 2 · not comparableWavenone0/10Wave is a closed commercial SaaS accounting product; there is no evidence of an open-source repository or open license for its source code, and probes for standard openness/API signals (llms.txt, openapi) returned 404. The developer portal is also walled off, further indicating no open access to source.
- [probe] “PROBE llms.txt: HTTP 404 at https://www.waveapps.com/llms.txt”
- [probe] “PROBE openapi: all candidate paths 404 (https://www.waveapps.com/openapi.json, https://www.waveapps.com/swagger.json, https://www.waveapps.c…”
- [claimed-docs] “Honest crawl-wall note: Wave's developer portal (developer.waveapps.com, the documented home of its GraphQL API) answers HTTP 403 Forbidden …”
Kickn/aKick is a closed-source SaaS accounting product; nothing in the evidence relates to publishing its source code under an open license. The 'open source' axis is a category error for a proprietary financial SaaS product — the closest topics (docs accessibility, MCP endpoints) concern documentation, not source code licensing.
ai-native userSelf-host the core product
weight 3 · not comparableWaven/aWave is a cloud SaaS accounting/invoicing/payroll platform with no self-hosted or open-source distribution model; self-hosting is a category error for this kind of hosted financial SaaS product.
Kicknone0/10Kick is presented purely as a hosted SaaS accounting platform with tiered cloud pricing plans; nothing in the evidence pack mentions an on-premise, open-source, or self-hosted deployment option.
- [claimed-docs] “Published plan table: "Free — $0/mo — 1 entity, up to 250 transactions/year, core features; Basic — $40/mo — 1 entity, unlimited transaction…”
ai-native userPrevent my data from being used to train AI models
weight 3 · not comparableWaven/aWave is a small-business accounting/invoicing/payroll product, not an AI system that trains models on user data; the evidence pack shows no AI features or data-training policy at all. This is a category mismatch — the axis of preventing AI model training on user data does not apply to this product.