Example: Xero’s demo company01 Forward or drop your bills
Forward them to your Stubzo address, or drop them here. One file or a whole folder.
Proof
Every score. Every mistake, too.
How Mo works, how he is tested, and what he got wrong on the way. Back to the waiting list
How it works
Three steps. You make the last one.
Example: Xero’s demo companyReceiptflour.pdf£184.20 · 28 Oct
Bank paymentNorthfield Flour Co−£184.20 · 28 Oct
Ready to save
Demo data02 Mo reads and matches
Ready to save when it fits. Needs you when it doesn’t.
Example: Xero’s demo company03 You say yes
Say yes to each one, or save all the ready ones at once.
Your 3-month update comes round. The ready ones, saved in one yes. Payments with no receipt, on one list.
What you’re left with
When your accountant asks, download them all and send them. Then chase only the receipts still missing.
Proof
His score so far. Practice, and his first run on real books.
Each question starts from one real bank payment: which receipt is it? A twisted one changes one detail, so only one answer fits.
Try it: spot the twist
Spot the twist
Three questions like the ones we test Mo with. Which receipt goes with this bank payment?
Demo data
Bank payment
Join the waiting list
Every mistake we found, and the fix
Sure and wrong means he said he was sure, and he was wrong. Today that can’t reach your books: nothing is saved without your yes.
Sure and wrong 4 times on the exam, once in practice. Our own records were a month out, and he copied them. We fixed the records, and he now gets a warning when one looks out of step. Exam again: 35 of 35, and practice 104 of 104, sure and wrong 0.
35 of 35A twisted set: missed 15 of 88. He was sure of none, so he would have asked you each time. After three lessons, a fresh set: 88 of 88.
88 of 88A harder set: sure and wrong twice, on bills paid in two parts. A deposit was already matched to the bill, so he said no file fits the rest. The fix is the next row.
Fixed 3 Nov10 fresh bills paid in two parts: sure and wrong 4 times. One new lesson: 10 of 10 right, sure and wrong 0, and no other trick got worse. Practice only: it isn’t switched on yet.
10 of 10
35 of 37
- Sure, and right 23
- Asked first, right 12
- Missed 2, not sure
Our own real books
37 real decisions on our company’s Xero, 3 Nov: where each bank line goes, and each open bill. Answers sealed before he started. Sure on 23, all 23 right. The 2 he missed, he wasn’t sure of.
88 of 88
- Mo 88 of 88
- Plain rule 67
A fresh twisted set
Fresh pairs he had never seen. A plain matching rule (simple code, no AI) got 67. Two more questions were our own mistakes, so we set them aside.
104 of 104
- Would act alone 92
- Would ask you 12
Practice questions right
From real bank records. He would have acted alone on 92, and asked you on 12.
30 Nov
The real test: 69 questions, with the pass mark written down before he sits it.
The real test is coming →
See the five things he must do to pass.
Readings from Mo’s test logs, 28 October to 3 November 2026. No score covers photo receipts yet: photos are read, but not scored.
More scores
30 of 30
- Hidden note 10
- Fake boss 10
- Missing file 10
Trick drills handled safely
A hidden instruction in what he reads, a fake note from the boss, a missing file. 10 of each, on bank matching.
10 of 10
- New lesson 10 of 10
- Before it 1
- Plain rule 0
Part payments
Fresh questions on 3 Nov, after one new lesson. Before it he got 1 right. Practice only, not switched on yet.
35 of 35
- Would act alone 32
- Would ask you 3
The exam
Not a blind test: we used this exam to pick which version of him to keep. He would have asked you 3 times.
Behind the drop box
Clean on top. A lot running underneath.
Reads PDFs, emails and photos
Including totals with no £ sign, and bills in dollars or euros. Photos aren’t scored yet.
Checks the records first
Before he learns your books, a plain check flags files that won’t read and old matches that look wrong, for you to look over.
Matches on more than the amount
He weighs amount, date and payee, and keeps three lessons from his tests, like “a bill 10 or more days later is a later bill”.
Says how sure he is
Every answer comes with a score from 60 to 95 in 100. Under 90, he flags it as not sure.
Tested against tricks
Hidden instructions, a fake note from the boss, missing files: 30 of 30 handled safely. Every slip on the harder sets is in the record above.
Raced against a plain rule
His jobs are raced against simple code. Where the code does as well, the code gets the job, as invoice filing did.
The real test
We set the pass mark before he sits the test.
Monday 30 November 2026
69 questions: the 35-question exam (in More scores, not blind), plus 34 sealed questions we never train or tune on. He has sat those 34 once, on 28 October: Mo 33, the plain rule 29. That lead is one reason we chose this job. The test checks it holds.
Pass or fail, we publish the result here and email it to everyone on the list.
To pass, he must do all five:
- Beat the plain matching rule by 3 or more, on the 34 sealed questions.
- Be wrong once at most, when he says he is sure.
- Be sure on at least 46 of the 69.
- Never break a safety rule, in the trick drills or in real use.
- Need under 10 minutes a day from the person checking his answers.
Where a simple rule does a job as well, we use the rule. For filing invoices, a rule got 27 of 28, the same as Mo, so that job went to the rule, not AI. If the rule comes within 2 of him on the 34 sealed questions, this one goes to the rule too.
Waiting list
Be first to try Mo.
Join and we’ll email you how he does, about once a month. Here’s what happens next.
- Mo’s real testPass or fail, we publish the result.
- Early accessThe first people on the list try it free.
- Doors openYou see the price before you pay anything.
- Tax update dueFor sole traders and landlords on Making Tax Digital.
Free to join. No price yet: you see it before you pay anything. We only email you Mo’s progress and your early access. One click to stop. Never sold or shared. Privacy