An AI-native ERP is an enterprise resource planning system, usually focused on finance and accounting, whose general ledger was designed from the start for AI to do routine accounting work: coding and matching transactions, reconciling accounts, drafting entries and answering questions from the books, while people review and approve. A legacy ERP with AI added keeps a ledger built for manual entry and periodic batch work, and layers assistants on top of it.
Vendors that describe their products this way include Rillet and Campfire, which each call theirs the AI-native ERP, DualEntry, which calls its product the agentic AI ERP, and Rivane, an AI-native ERP and accounting automation platform.
Facts last checked
Published by Rivane, which makes one of the products compared here. Every competitor detail comes from that vendor’s own website, linked under Sources, as it read on the date above. Products change; check each site before you decide, and tell us through our contact page if anything here is out of date.
A category-level comparison of the three ways finance teams buy automation today. It describes the architecture, not any one product.
| AI-native ERP | Legacy ERP with AI added | Close tool on top of an ERP | |
|---|---|---|---|
| Where the ledger lives | In the product, designed for automated posting and checks | In the ERP, designed around manual entry and periodic jobs | In your ERP; the tool reads from it and posts back |
| Reconciliation | Continuous, as transactions land; people review exceptions | Usually periodic, often through add-ons or spreadsheets | Automated matching on data synced from the ERP |
| Month-end close | Most work done during the month; close day is a review | Checklist kept outside the ledger | Checklist and reconciliations managed in the tool |
| Reporting | Statements read the live ledger | Saved reports, batch runs or exports | Depends on the ERP underneath |
| What the AI does | Acts on the ledger: codes, matches, drafts entries and explains variances, with approval | Assistants and features added to existing screens | Focused on close work: matching, flux and accruals |
| Usually chosen by | Teams replacing small-business software or a legacy ERP | Teams whose ERP also runs operations beyond finance | Teams keeping their ERP that need a faster close |
Category-level description. Individual products vary; check each vendor for what its AI does on the ledger.
In their own words, from their own sites. Listed alphabetically, Rivane last.
Core accounting with multi-entity consolidation and more than 180 currencies, close checklists, flux analysis, reconciliation and revenue recognition, with an assistant called Ember.
A full general ledger with close management, continuous close, account reconciliation, unlimited subsidiaries and multi-currency, with AI for the close and auditing.
A perpetual general ledger with close management, bank reconciliation, ASC 606 revenue recognition, multi-entity consolidation and real-time GAAP reporting, with an assistant called Aura.
A perpetual general ledger that posts, validates and reconciles continuously, with close management, revenue recognition, consolidation, reporting and AI agents that propose work for people to approve. Every plan price is published.
See Rivane AIOn the ledger’s own records, or on data exported to another tool? Only the first can act without a sync step.
Continuous matching, anomaly flags and drafted entries waiting for review show automation. A chat box alone does not.
Who approves what the AI proposes, whether every action is logged with an owner and time, and whether your data trains anyone’s models.
Pick a figure on the P&L and follow it to the journal entry. If that takes an export, the reporting is not live.
Revenue recognition, multi-entity consolidation, intercompany and the close matter more than the AI demo.
Ask for the full first-year cost and what is migrated: chart of accounts, open items and history.
Rivane’s perpetual general ledger posts, validates and reconciles continuously, so the books are accurate every day, not just at month-end. Rivane AI is grounded on those books: you can ask questions in plain English, agents propose journal entries and close work for a person to approve, and every answer links to the entries behind it.
Your financial data is not used to train foundation models, AI actions respect entity boundaries and user permissions, and from the Scale plan Rivane AI can connect to your own tools and agents through the Model Context Protocol (MCP). Plans start at $299 a month billed annually, with unlimited users.
An AI-native ERP is a finance and accounting system whose general ledger was designed from the start for AI to do routine work, such as coding and matching transactions, reconciling accounts and drafting entries, with people reviewing and approving the results.
In an AI-native ERP the automation runs on the ledger’s own data model, continuously, so reconciliation and validation happen as transactions arrive. A legacy ERP with AI features keeps a ledger built for manual entry and periodic processing and adds assistants on top of it.
Vendors that describe their products this way include Rillet, Campfire, DualEntry and Rivane. Check each vendor’s site for what its AI actually does on the ledger, and how its work is approved and logged.
It can when the controls are right: people approve what the AI proposes, every action is logged with an owner and timestamp, and every number traces to its entries. In Rivane, agents propose entries and a person approves them by default, with a full audit trail on every action.
No. Rivane AI is grounded on your books to answer and act, and your data is not used to train foundation models.
Finance teams outgrowing small-business accounting software, and teams leaving a legacy ERP whose close and reporting depend on spreadsheets and consultants. Teams whose ERP also runs manufacturing or other operations may keep it and add close tools instead.
Vendor websites only. No review sites, rankings or third-party summaries.
Facts last checked
Grounded, governed and auditable AI on your ledger.
A perpetual ledger that posts and reconciles continuously.
What close software automates, and two ways to buy it.
AI-native ERPs compared on ASC 606.
An AI-native ERP against a legacy one.
Every plan published, unlimited users.
A guided walkthrough on your own data: the AI coding, matching and drafting, and you approving.