Arvut Manifesto
Tilda Publishing
Why Arvut exists
Accounting is the operating system of the economy — yet for most businesses it is still slow, expensive, opaque, and backward-looking. For families and individuals, accounting is often nonexistent, replaced by fragmented bank apps and memory.
Digital business and digital assets made this gap impossible to ignore: crypto, tokenized finance, cross-border payments, microtransactions, and on-chain activity demand an accounting paradigm that is real-time, auditable, and automation-native.
Arvut exists to deliver the next stage of accounting evolution: 100% automated routine accounting, with human expertise focused on exceptions, governance, and decision-making.
Accounting is the operating system of the economy — yet for most businesses it is still slow, expensive, opaque, and backward-looking. For families and individuals, accounting is often nonexistent, replaced by fragmented bank apps and memory.
Digital business and digital assets made this gap impossible to ignore: crypto, tokenized finance, cross-border payments, microtransactions, and on-chain activity demand an accounting paradigm that is real-time, auditable, and automation-native.
Arvut exists to deliver the next stage of accounting evolution: 100% automated routine accounting, with human expertise focused on exceptions, governance, and decision-making.
Our mission
Arvut’s mission is to become a leading provider of automated accounting services — and to make accounting understandable, transparent, and accessible for everyone: from SMEs and crypto traders to families and individuals.
We pursue this through our own intellectual property and know-how, and through a practical, socially-oriented goal: to raise financial literacy and eliminate accounting illiteracy as a barrier to economic freedom.
We pursue this through our own intellectual property and know-how, and through a practical, socially-oriented goal: to raise financial literacy and eliminate accounting illiteracy as a barrier to economic freedom.
Program minimum
Build a profitable, scalable, Swiss-standard Accounting-as-a-Service platform that delivers real-time visibility and radically lower costs for SMEs and digital-asset businesses — powered by automation and our proprietary protocol approach.
Program maximum
Drive a “Second Accounting Revolution”: a transition from periodic, document-chaos accounting to continuous, protocol-based accounting — enabling new levels of transparency, accountability, and quality of life for businesses, governments, and citizens.
What we mean by “100% automation”
We do not mean that judgment disappears. We mean that routine operations become machine-grade:
Build a profitable, scalable, Swiss-standard Accounting-as-a-Service platform that delivers real-time visibility and radically lower costs for SMEs and digital-asset businesses — powered by automation and our proprietary protocol approach.
Program maximum
Drive a “Second Accounting Revolution”: a transition from periodic, document-chaos accounting to continuous, protocol-based accounting — enabling new levels of transparency, accountability, and quality of life for businesses, governments, and citizens.
What we mean by “100% automation”
We do not mean that judgment disappears. We mean that routine operations become machine-grade:
- document intake, classification, and data extraction
- posting with deterministic rules + robust validation
- reconciliation (bank, counterparties, on-chain)
- evidence attachment (“document-linked ledger”: every entry has its proof)
- audit trails, change history, and repeatable outputs
- real-time dashboards, open items, cashflow, and VAT readiness
DAP — Digital Accounting Protocol
To achieve true automation, accounting must work as a protocol, not a set of ad-hoc practices.
DAP (Digital Accounting Protocol) standardizes accounting events in a machine-readable format that can be validated, exchanged, traced, and audited.
Simply put, DAP is to accounting what network protocols are to the internet — a universal language for clarity and interoperability.
DAP (Digital Accounting Protocol) standardizes accounting events in a machine-readable format that can be validated, exchanged, traced, and audited.
Simply put, DAP is to accounting what network protocols are to the internet — a universal language for clarity and interoperability.
QA — Quantum Accounting (the next logic layer)
Traditional accounting often captures only part of the economic reality and only after the fact. QA (Quantum Accounting) is our concept for accounting as a complete, real-time model of economic events:
Crypto-native accounting (and why it matters)
Crypto is not “just another asset class”. It is an operational environment where:
with invoices, contracts, bank flows, and internal controls — producing clear, compliant outputs while maintaining a transparent audit trail.
Traditional accounting often captures only part of the economic reality and only after the fact. QA (Quantum Accounting) is our concept for accounting as a complete, real-time model of economic events:
- not only “what was booked”, but what actually happened
- not only “debit/credit”, but the full event structure: parties, rights/obligations, timing, settlement, and evidence
- not only reporting, but continuous verification
- and operational transparency
Crypto-native accounting (and why it matters)
Crypto is not “just another asset class”. It is an operational environment where:
- evidence can be on-chain, off-chain, and hybrid
- transaction volumes can be massive (microtransactions, bots, DeFi)
- valuations fluctuate rapidly and require consistent rules
- compliance and reporting are increasingly formalized
with invoices, contracts, bank flows, and internal controls — producing clear, compliant outputs while maintaining a transparent audit trail.
Accounting for every SME — and also every family and individual
Arvut starts with SMEs and digital businesses, where the pain is most acute and the impact immediate. But the vision is broader and universal: families need a clear, real-time view of their cashflow, obligations, and overall financial health, while individuals deserve the same transparency businesses rely on. In the long run, we aim to bring accounting automation into everyday life — from personal finances to smart environments that precisely account for shared resources like energy, water, and assets, ensuring fairness.
Education: eliminate accounting illiteracy
A core Arvut objective is to teach people “the accounting language” in a modern way:
How we implement: tools and stages
Tools (high-level)
The core accounting service is the most capital-efficient and becomes the funding engine for deeper R&D and broader societal programs.
As accounting becomes real-time and transparent:
We believe accounting can be:
A core Arvut objective is to teach people “the accounting language” in a modern way:
- practical financial literacy for citizens and founders
- simple explanations of core principles, without jargon
- training programs for operators and specialists who run automated accounting pipelines
- open knowledge materials and structured curricula
How we implement: tools and stages
Tools (high-level)
- Arvut Accounting (SaaS + modules)
- Protocol-based integrations (banks, ERP/CRM, exchanges, on-chain)
- Automation pipeline: extraction → validation → posting → reconciliation → reporting
- Educational programs and professional standards
- Switzerland-first: operational excellence canton-by-canton, Swiss-standard compliance
- EU expansion and further jurisdictions
- Gradual transition of clients from legacy accounting to protocol-based accounting
- Parallel development of consumer-grade accounting for families/individuals
The core accounting service is the most capital-efficient and becomes the funding engine for deeper R&D and broader societal programs.
As accounting becomes real-time and transparent:
- businesses make better decisions faster
- compliance becomes less painful and more reliable
- trust increases between market participants and institutions
- financial literacy rises, and economic participation expands
We believe accounting can be:
- real-time
- (not months late)
- transparent
- (understandable to humans)
- verifiable
- (auditable by machines)
- universal
- (for SMEs, traders, families, individuals)
- affordable (near-zero marginal cost per entry)
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