Building an AI accountant you never outgrow | Lance Co Ting Keh, T:0

Lance Co Ting Keh is the founder of T:0, an AI native accounting product built as a startup inside Airwallex. Before that he bootstrapped Openpay to seven figures in revenue and sold it to Airwallex. In this conversation with Bill, he explains what changes when you build accounting software for agents from scratch, why T:0 lives inside Airwallex instead of raising a seed round, why he’s load testing before the company turns one, and how a 30-person team uses AI everywhere, including giving sales direct access to the codebase. Chapters 00:00 What T:0 does for founders on day zero 05:00 AI native vs AI bolted on 08:45 Why a startup inside Airwallex 11:15 The Openpay thesis and the acquisition 17:30 How T:0 started inside Airwallex 19:45 The North Star: really solving accounting 21:45 Building for day one all the way to IPO 23:45 Keeping startup culture inside a big fintech 25:45 How Lance splits a 120-hour week 27:45 Building a lean, AI native team 29:15 How T:0 uses AI day to day 32:15 Performing like an athlete Full interview and free subscription at https://www.rokos-daily.com/