Xero’s AI Financial Superagent ‘JAX’ Launches Powerful New Features to Drive the Future of Small Business Accounting

Brisbane — September 3, 2025 — Xero, the global small business platform, today announced the next evolution of its AI financial superagent JAX (Just Ask Xero)—built on Xero’s agentic platform. JAX delivers a reimagined experience by learning how your business runs, automating routine tasks and workflows, and delivering actionable insights—orchestrating multiple AI agents behind the scenes to cut busywork and help you make smarter decisions. All of this is delivered by a trusted partner built for you, with you.

“This evolution of Xero’s platform is a foundation for the next era of small business accounting,” said Diya Jolly, Chief Product and Technology Officer at Xero. “JAX doesn’t just support today’s workflows; it continuously learns, adapts and acts to meet the evolving needs of business owners. By handling repetitive tasks and empowering our customers to focus on growth, relationships, and high value decisions, we’re seeing what’s possible for the future of work in the accounting industry, and we’re excited to keep expanding our AI offering.”

Orchestrating multiple agents on Xero’s platform, Xero’s AI Superagent JAX is designed to deliver:

1. A reimagined experience to replace scattered tools: Through one intelligent interface, JAX will unify the xero experience and learn a business’s rhythms, automatically adapting to how that business operates.
2. Automated actions and workflows — ‘Just Done with your control’: JAX will automate routine tasks and workflows, like bank reconciliations, data entry, and getting paid–which saves customers valuable time and helps them stay compliant.
3. Access to actionable insights: Combining deep insights from across Xero customers’ businesses and connected apps, as well as collaborating with OpenAI on web research, JAX will move information beyond static reports. JAX will provide timely, proactive suggestions and a unified view of a business' data, helping customers explore their financial data and dig deeper with Xero’s advanced financial insights. All of this will empower customers to make smarter, more informed decisions.
4. A trusted partner built for you, with you: JAX offers a trusted partnership built on security, privacy and Xero’s decades of accounting expertise, which is essential to delivering reliable and contextual insights. Xero's proprietary JAX Assure control system further supports increased accuracy and fewer “hallucinations” compared to conventional AI tools that rely solely on large language models. By proactively spotting potential issues and helping to keep financial data more clean and accurate, JAX acts as an always-on dedicated team.

As part of Xero’s new product offering, the company is excited to collaborate with OpenAI on its deep web research feature to bring financial information from across the web, like tax laws and market trends, right into Xero. “With AI tools like JAX, small businesses can save time, work more efficiently, and grow,” said Giancarlo “GC” Lionetti, Chief Commercial Officer at OpenAI. “Collaborating with Xero is a great example of how we’re bringing the practical benefits of intelligence directly into the platforms businesses already rely on.”

The new features will also enable Xero to meet growing demand for AI innovation among its user base, with 73% of customers having used AI across the platform since March. This trend is set to continue, as a 2025 Xero survey of 300 US small businesses found that 51% of respondents who plan to increase their AI investment in the next year, believe that adopting AI is absolutely essential or very important for remaining competitive.

To learn more about JAX, visit xero.com/jax and Xero’s blog.

ENDS

Media Contact

Frances Cohen | +1 415 568 8429 | frances.cohen@xero.com

About Xero

Xero is a global small business platform that helps customers supercharge their business by bringing together the most important small business tools, including accounting, payroll and payments — on one platform. Xero’s powerful platform helps customers automate routine tasks, get timely insights, and connects them with their data, their apps, and their accountant or bookkeeper so they can focus on what really matters. Trusted by millions of small businesses and accountants and bookkeepers globally, Xero makes life better for people in small business, their advisors, and communities around the world. For further information, please visit xero.com.