Compare

Economico vs Digits

Digits and Economico share a philosophy — the general ledger itself should be AI-native and continuously maintained. They differ on whose AI does it. Digits is an autonomous-GL product with its own built-in assistant, dashboards, bill pay, and invoicing. Economico has no built-in AI and no dashboard: the agent you already use calls the ledger directly over MCP or CLI. If you don't want a second AI to trust, that difference is the whole story.

At a glance

	Economico	Digits
Primary interface	Your AI agent (MCP / CLI)	AI-native accounting app with a built-in "Ask Digits" assistant
Real double-entry general ledger	✅	✅
Automated books, close, invoicing, bill pay	◐	✅
Whose AI keeps the books	The agent you already use	Digits' own built-in assistant
A second AI to trust / vendor standing access	❌	✅
Whole money loop (AR, AP, credits, scenarios) in one backbone	✅	◐
Native stablecoin settlement	✅	❌
Startup-credit tracking	✅	◐
Built for	New SaaS/consulting starting clean, no finance hire	Business owners & accountants wanting an autonomous GL

Choose Digits if…

Digits is the right call when you want a complete AI accounting suite — automated books, month-end close, bill pay, invoicing, real-time dashboards, and a built-in assistant you can ask questions — and you're comfortable trusting the vendor's AI operating inside its own product. Because Digits runs its own agent over the ledger on its own infrastructure, there's nothing for you to set up or run — turnkey autonomy is the point, and if you don't want to run your own agent, that's a genuine advantage. Digits genuinely wins on breadth of the end-to-end feature set and its real-time reporting for owners and accountants.

Choose Economico if…

Choose Economico when you don't want a new AI to trust — you want your own agent to run the books. The agent you already use — the same one that reaches your email, CRM, and files — runs the books over MCP, adapting to the business you already have, and Economico holds no standing access to those systems. You get a real double-entry ledger across the whole money loop (AR, AP, credits, scenarios, reports), with stablecoin settlement native. Best fit: a new SaaS or consulting business starting clean with no finance hire.

Frequently asked questions

Is Digits an autonomous general ledger?

That's how Digits positions itself, and it's a credible AI-first GL. Economico's difference isn't "we have AI too" — it's that the AI is the agent you already use, not one built into the product.

What does "no second AI to trust" mean?

Digits' assistant is Digits' own model, operating inside its app with access to your books. Economico exposes tools your existing agent calls, so there's no additional vendor AI in the loop and no standing access to your other systems.

Does Economico have dashboards like Digits?

No — deliberately. Economico ships no dashboard or copilot; reports and metrics are tools your agent calls and renders. If you specifically want a dashboard product, Digits is the stronger fit.

Can my agent keep GAAP books through Economico?

Yes — a double-entry ledger with chart of accounts, journals, accrual accounting, audit trail, balance sheet, and income statement, all as tools your agent calls.

How do I connect Economico to my agent?

Point an MCP-capable host at economi.co/mcp or install the @economico/cli. The setup guide is at economi.co/skill.md.