补核2026金融十项并拆分客户资产与软件净收入

apps/docs/scripts/auth-cli.ts

@@ -182,9 +182,9 @@ async function main() {
   assert.equal(researchResponse.status, 200, "authenticated research API");
   assert.ok(researchResponse.headers.get("cache-control")?.includes("no-store"));
   const research = await researchResponse.json();
-  assert.equal(research.companies.length, 1168);
+  assert.equal(research.companies.length, 1171);
   assert.equal(research.categories.length, 11);
-  assert.equal(research.evidence.length, 3999);
+  assert.equal(research.evidence.length, 4026);
   assert.equal(research.observations.length, 453);
   assert.equal((await request("/api/research/ai-companies", { method: "POST", headers })).status, 405);
   const researchPage = await request("/docs/other-research/ai-company-research/overview", { headers });

apps/docs/tests/research.test.ts

@@ -47,8 +47,8 @@ test("research revisions share the authentication database and preserve replay l
     for (let i = 0; i < 20; i++) consumeCode(config, "invalid");
     assert.equal(consumeCode(config, "invalid"), "limited");
     const initial = readResearchSnapshot();
-    assert.equal(initial.companies.length, 1168);
-    assert.equal(initial.evidence.length, 3999);
+    assert.equal(initial.companies.length, 1171);
+    assert.equal(initial.evidence.length, 4026);
     assert.equal(initial.observations.length, 453);
     assert.deepEqual(initial.candidateBatches, seed.candidateBatches, "candidate gaps persist in the same database metadata");
     assert.deepEqual(initial.directoryRechecks, seed.directoryRechecks, "follow-up classifications persist without rewriting the discovery audit");
@@ -89,7 +89,7 @@ test("research validation rejects broken evidence and unsafe source links", () =
 test("reviews link explicit companies without turning global or excluded cases into companies", () => {
   const snapshot = structuredClone(seed) as ResearchSnapshot;
   assert.equal(snapshot.reviews.filter((r) => r.scope === "companies").length, 198);
-  assert.equal(snapshot.reviews.filter((r) => r.scope === "dataset").length, 63);
+  assert.equal(snapshot.reviews.filter((r) => r.scope === "dataset").length, 65);
   assert.equal(snapshot.reviews.filter((r) => r.scope === "excluded-candidate").length, 44);
   const review = snapshot.reviews.find((r) => r.id === "R4")!;
   assert.deepEqual(reviewCompanyIds(snapshot, review), ["AI007", "AI013", "AI021", "AI034"]);
@@ -109,11 +109,11 @@ test("reviews link explicit companies without turning global or excluded cases i
 test("disclosure counts exclude client income, biographies, targets and duplicate milestones", () => {
   const snapshot = seed as ResearchSnapshot;
   const summary = categorySummary(snapshot);
-  assert.equal(summary.reduce((n, c) => n + c.count, 0), 1168);
+  assert.equal(summary.reduce((n, c) => n + c.count, 0), 1171);
   assert.equal(summary.reduce((n, c) => n + c.self, 0), 58);
   assert.equal(summary.reduce((n, c) => n + c.estimate, 0), 2);
   assert.equal(summary.reduce((n, c) => n + c.platform, 0), 19);
-  assert.equal(summary.reduce((n, c) => n + c.unknown, 0), 1089);
+  assert.equal(summary.reduce((n, c) => n + c.unknown, 0), 1092);
   assert.equal(snapshot.companies.find((c) => c.name === "Rork")?.revenueStatus, "unknown");
   assert.equal(snapshot.companies.find((c) => c.name === "Result")?.revenueStatus, "unknown");
   assert.ok(snapshot.observations.filter((o) => o.selection === "signal").every((o) => o.scope === "公司整体"));
@@ -148,7 +148,7 @@ test("service run rates, legacy freight revenue and paid adoption do not become
 
 test("technical reviews keep accessible materials separate from tested capabilities", () => {
   const snapshot = structuredClone(seed) as ResearchSnapshot;
-  assert.equal(snapshot.companies.filter((c) => c.technicalReview).length, 153);
+  assert.equal(snapshot.companies.filter((c) => c.technicalReview).length, 156);
   assert.equal(snapshot.companies.filter((c) => c.technicalReview?.level === "public-artifact").length, 24);
   assert.equal(snapshot.companies.filter((c) => c.technicalReview?.level === "independent-test").length, 1);
   assert.equal(snapshot.companies.find((c) => c.id === "AI051")?.revenueStatus, "unknown");
@@ -430,7 +430,7 @@ test("unreconciled directory financials remain source reviews instead of income
   assert.ok(review.evidenceIds.includes("PH-TANA-DR"));
   assert.equal(reviewCompanyIds(snapshot, review).length, 0);
   assert.ok(!snapshot.observations.some((o) => o.evidence === "PH-TANA-DR"));
-  assert.equal(snapshot.candidateBatches!.flatMap((b) => b.records).filter((r) => r.status === "pending-year").length, 89);
+  assert.equal(snapshot.candidateBatches!.flatMap((b) => b.records).filter((r) => r.status === "pending-year").length, 90);
 });
 
 test("product pivots and founder histories do not become new company years or current revenue", () => {

content/research/ai-companies.seed.json

@@ -1,5 +1,5 @@
 {
-  "version": "2026-10-31-tc26-cyber-1",
+  "version": "2026-10-31-tc26-finance-1",
   "asOf": "2026-10-31",
   "scope": "全球公开资料研究：保留首批个案，并扩展核查2025—2026八个YC批次候选池；成立年份以官方公司页面字段为依据。",
   "limitations": [
@@ -36440,6 +36440,124 @@
           "TC26CYBER-TROTTA-YEAR"
         ]
       }
+    },
+    {
+      "id": "TC-ALLIN-AI",
+      "name": "Allin AI",
+      "url": "https://theallin.ai/",
+      "channel": "S02",
+      "cat": "C07",
+      "year": 2025,
+      "team": null,
+      "location": "New York City（公司自述）",
+      "business": "用公司资本资料与投资者信号辅助融资沟通、匹配及投资者关系。",
+      "buyer": "美国上市/PreIPO公司CFO、IR及资本筹集团队",
+      "delivery": "公司描述CapitalBrain持续构建公司/市场资料和互动记录，并管理投资者匹配与融资跟进；当前官网有earlyaccess。",
+      "notes": "公司自报2025；公开市场规模和演示上市公司财务不归Allin，是否含资本中介佣金与软件净费未核。",
+      "cohort": "2025（公司原始主页自报；精确注册待核）",
+      "teamBasis": "原始公司页2—10范围，不取中点；精确人数未知",
+      "price": "官网称SaaSpricing/from$0；没有可核付费档金额、计费单位或合同周期。",
+      "stage": "公开产品/方案可读；实际合同、付费和交付效果未独立核验",
+      "sourceType": "竞赛名单发现、公司原始官网/公开主页及合同材料",
+      "evidenceIds": [
+        "TC26AG-INDEX",
+        "TC26FIN-ALLIN-HOME",
+        "TC26FIN-ALLIN-YEAR"
+      ],
+      "revenueStatus": "unknown",
+      "extraUrl": "https://www.linkedin.com/company/allinai",
+      "businessModel": "软件/数据与资本关系工作流，可能涉及交易服务但具体收费未知；发行融资本金、顾问费用、软件经常净费和人工执行须拆。",
+      "entityBasis": "公司原始主页同域AllinAI及纽约位置对应；精确法律主体、登记及合同/集团边界未知。",
+      "classificationBasis": "人工复核：用公司资本资料与投资者信号辅助融资沟通、匹配及投资者关系。 按金融/税务专业任务归C07，不依发现名单强定AI能力。",
+      "technicalReview": {
+        "level": "description",
+        "reviewedAt": "2026-10-31",
+        "summary": "技术作用为厂商描述，本轮未执行产品、接入财务账户或独立验证预测/准确率及生产交付。",
+        "evidenceIds": [
+          "TC26FIN-ALLIN-HOME",
+          "TC26FIN-ALLIN-YEAR"
+        ]
+      }
+    },
+    {
+      "id": "TC-FINAIVE",
+      "name": "Finaive",
+      "url": "https://finaive.com/",
+      "channel": "S02",
+      "cat": "C07",
+      "year": 2025,
+      "team": null,
+      "location": "Abuja, Nigeria（公司自述）",
+      "business": "面向数字交易市场的AI辅助商户验证、反欺诈及付款保护。",
+      "buyer": "商品/专业服务买卖双方与市场商户",
+      "delivery": "原始公司页描述AI市场、验证商户和smartescrow；当前原域只有标题外壳，具体产品执行未核。",
+      "notes": "公司自报2025；AI作用和托管为厂商描述，未确认受托主体/实际流程或独立风控效果。",
+      "cohort": "2025（公司原始主页自报；精确注册待核）",
+      "teamBasis": "原始公司页2—10范围，不以关联4账户填精确团队",
+      "price": "当前无可读净服务费/抽成、订阅金额或周期。",
+      "stage": "公开产品/方案可读；实际合同、付费和交付效果未独立核验",
+      "sourceType": "竞赛名单发现、公司原始官网/公开主页及合同材料",
+      "evidenceIds": [
+        "TC26AG-INDEX",
+        "TC26FIN-FINAIVE-HOME",
+        "TC26FIN-FINAIVE-YEAR"
+      ],
+      "revenueStatus": "unknown",
+      "extraUrl": "https://ng.linkedin.com/company/finaive",
+      "businessModel": "市场交易、验证与付款保护；交易本金/托管余额/商户收入、退款和平台净服务费需拆，未知是否经常订阅。",
+      "entityBasis": "同域Finaive公司原始页与HenryUwabor等团队可对应；精确法人、注册及资金服务合同主体未知。",
+      "classificationBasis": "人工复核：面向数字交易市场的AI辅助商户验证、反欺诈及付款保护。 按金融/税务专业任务归C07，不依发现名单强定AI能力。",
+      "technicalReview": {
+        "level": "description",
+        "reviewedAt": "2026-10-31",
+        "summary": "技术作用为厂商描述，本轮未执行产品、接入财务账户或独立验证预测/准确率及生产交付。",
+        "evidenceIds": [
+          "TC26FIN-FINAIVE-HOME",
+          "TC26FIN-FINAIVE-YEAR"
+        ]
+      }
+    },
+    {
+      "id": "TC-TAXFIGURE",
+      "name": "TaxFigure",
+      "url": "https://taxfigure.com/",
+      "channel": "S02",
+      "cat": "C07",
+      "year": 2025,
+      "team": null,
+      "location": "Scottsdale, Arizona（公司自述）",
+      "business": "面向税务专业人员的AI税务研究、文档复核和规划建模工具。",
+      "buyer": "CPA、税务代理、税务律师及企业税务团队",
+      "delivery": "按客户实体组织文档/税务上下文，提供来源引用、OCR、复核和备忘录；仅为工具，实际专业判断由用户承担。",
+      "notes": "公司自报2025、条款TaxFigureLLC；旧HighRock事务所业务和版权范围不能直接当本公司成立/收入。准确率与引用未独立测试。",
+      "cohort": "2025（公司原始主页自报；精确注册待核）",
+      "teamBasis": "公司原始页2—10范围，不取中点；关联人数不作精确团队",
+      "price": "条款明确USD；年付等值8/席位/月含100credits，默认5席位计算器450/年；实际折扣/额度按订单核。",
+      "stage": "公开产品/方案可读；实际合同、付费和交付效果未独立核验",
+      "sourceType": "竞赛名单发现、公司原始官网/公开主页及合同材料",
+      "evidenceIds": [
+        "TC26AG-INDEX",
+        "TC26FIN-TAXFIGURE-HOME",
+        "TC26FIN-TAXFIGURE-YEAR",
+        "TC26FIN-TAXFIGURE-PRICE",
+        "TC26FIN-TAXFIGURE-TERMS"
+      ],
+      "revenueStatus": "unknown",
+      "extraUrl": "https://www.linkedin.com/company/taxfigure",
+      "businessModel": "按席位订阅+预付credit、企业合同；年付现金、使用/过期额度、软件/实施和原事务所专业服务净收入分开。",
+      "entityBasis": "当前条款列TaxFigureLLC，与原始公司同域；精确注册时间/州、原事务所与新公司沿革仍未知。",
+      "classificationBasis": "人工复核：面向税务专业人员的AI税务研究、文档复核和规划建模工具。 按金融/税务专业任务归C07，不依发现名单强定AI能力。",
+      "technicalReview": {
+        "level": "description",
+        "reviewedAt": "2026-10-31",
+        "summary": "技术作用为厂商描述，本轮未执行产品、接入财务账户或独立验证预测/准确率及生产交付。",
+        "evidenceIds": [
+          "TC26FIN-TAXFIGURE-HOME",
+          "TC26FIN-TAXFIGURE-YEAR",
+          "TC26FIN-TAXFIGURE-PRICE",
+          "TC26FIN-TAXFIGURE-TERMS"
+        ]
+      }
     }
   ],
   "observations": [
@@ -87548,6 +87666,303 @@
       "kind": "公司公开主页搜索缓存与直达访问缺项",
       "summary": "原始公司页搜索正文可读：网址trotta.io，自报2025、2—10范围、AI模拟网络攻击；列FelaAkinse等。",
       "limitation": "直达本轮UnexpectedStatus/Cachemiss，记录仅搜索缓存可读；奖项/融资不是客户销售，精确法人及当前自动防护交付未核。"
+    },
+    {
+      "id": "TC26FIN-ALLIN-HOME",
+      "companyId": "TC-ALLIN-AI",
+      "title": "AllinAI当前资本关系工作流",
+      "url": "https://theallin.ai/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "CapitalBrain整合公司叙事、公开市场/SEC资料与投资者信号，辅助配对、融资跟进和IR；当前earlyaccess，称SaaSpricing/from$0。",
+      "limitation": "市场年融资额、演示Duolingo财务/用户数及传统顾问原$20K—50K月费不是Allin收入/售价；资本募集金额与软件费/佣金须拆，未提交公司或投资者信息。"
+    },
+    {
+      "id": "TC26FIN-ALLIN-YEAR",
+      "companyId": "TC-ALLIN-AI",
+      "title": "AllinAI公司原始成立字段",
+      "url": "https://www.linkedin.com/company/allinai",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "同域公司页自报2025、NewYorkCity及2—10范围，称正服务美国上市公司二次发行场景。",
+      "limitation": "公司自填非注册核验；live/交易促成声明不等本轮核合同、实际资金/收入或收费定义，不混其他AllinTech同名公司。"
+    },
+    {
+      "id": "TC26FIN-APARTA-HOME",
+      "companyId": null,
+      "title": "Aparta共同房屋所有权产品",
+      "url": "https://www.aparta.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原网址转/dk而普通HTML另可读英文：与居住者共同持有房屋，居住者继续使用，部分使用费在共同所有权结束时结算。",
+      "limitation": "房价、抵押余额、购入份额和未来退出收益不是软件MRR/ARR；示例金额/计算器不作真实交易，未提交申请。"
+    },
+    {
+      "id": "TC26FIN-APARTA-YEAR",
+      "companyId": null,
+      "title": "Aparta原始公司主页年份",
+      "url": "https://www.linkedin.com/company/aparta",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "同域公司页自报2023成立、11—50范围，EilinSchjetne团队与当前首页一致。",
+      "limitation": "公司自述非精确集团注册；原站列ApartaGroupAS编号933194620，本轮官方登记API连接重置未读取，不能假称登记已核。"
+    },
+    {
+      "id": "TC26FIN-APARTA-ABOUT",
+      "companyId": null,
+      "title": "Aparta公司愿景与集团范围",
+      "url": "https://www.aparta.com/about",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原始About转/dk/about，当前讲共同所有权/住房金融模式与ApartaGroup品牌。",
+      "limitation": "AI估值/决策模型和独立效果本批未证；融资/房产投资收益、使用费与平台/软件净费应分开，范围外仍保留AI缺项。"
+    },
+    {
+      "id": "TC26FIN-CEDAR-HOME",
+      "companyId": null,
+      "title": "CedarDB交易分析数据库",
+      "url": "https://cedardb.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "PostgreSQL兼容数据库将OLTP/OLAP合于同引擎和数据副本，可自托管、云或全托管，列AI应用场景。",
+      "limitation": "数据库支撑AI不等AI主营；性能倍数为厂商说明，未下载、编译或运行数据库。免费自托管、云算力与软件服务收入待拆。"
+    },
+    {
+      "id": "TC26FIN-CEDAR-YEAR",
+      "companyId": null,
+      "title": "CedarDB原始公司沿革",
+      "url": "https://cedardb.com/about/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "公司原文说2017起Umbra研究、2024从TUMspinout，当前仍由原研究团队建设。",
+      "limitation": "研究起点不当公司2017成立，2025融资/发布不改2024spinout；精确注册及价格/收入未核。"
+    },
+    {
+      "id": "TC26FIN-DODOCS-HOME",
+      "companyId": null,
+      "title": "DoDocs当前AI会计流程",
+      "url": "https://dodocs.ai/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "accOS收集/提取票据、匹配银行、对账和记账，异常交人工，集成QuickBooks/Xero/Zoho。",
+      "limitation": "演示sandbox、客户Logo、准确率/效率宣传非独立实测或收入；未上传客户发票、银行单或接入财务系统。"
+    },
+    {
+      "id": "TC26FIN-DODOCS-YEAR",
+      "companyId": null,
+      "title": "Techstars原始DoDocs资料",
+      "url": "https://jobs.techstars.com/companies/dodocs",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "加速器公开公司页精确网址dodocs.ai，列foundedin2023及文档处理自动化。",
+      "limitation": "原始加速器字段非独立注册；旧文档助手到会计定位不重置年，未采其他聚合站2022/人数作精确值。"
+    },
+    {
+      "id": "TC26FIN-DODOCS-PRICE",
+      "companyId": null,
+      "title": "DoDocs当前软件套餐",
+      "url": "https://dodocs.ai/pricing",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "明确USD：公司Base19/月；FirmStarter39/月、前10客户免费后10/客户/月，消费用量另计。Payroll69/月和DocExchange99/月标comingsoon。",
+      "limitation": "挂牌价/免费客户/现金返还不是收入；未上市项目不当现已实现经常费，实际用量、净费、退订及人工边界未核。"
+    },
+    {
+      "id": "TC26FIN-FINAIVE-HOME",
+      "companyId": "TC-FINAIVE",
+      "title": "Finaive原域当前访问范围",
+      "url": "https://finaive.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "普通HTTP200仅标题PaymentProtection/AITrustMarketplace，网页工具仅跟踪图片，无可读产品/收费正文。",
+      "limitation": "原站200不是完整产品可读；业务和年份以下列公司原始页补证，未提交交易/资金或执行页面脚本。"
+    },
+    {
+      "id": "TC26FIN-FINAIVE-YEAR",
+      "companyId": "TC-FINAIVE",
+      "title": "Finaive原始公司AI用途与年份",
+      "url": "https://ng.linkedin.com/company/finaive",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "公司页精确同域，自报2025、AbujaNigeria、2—10范围；描述AIpoweredmarketplace、商户验证、smartescrow和反欺诈，连接买卖双方/服务提供商。",
+      "limitation": "厂商AI作用描述未获可读模型/实现或独立测试；平台交易本金、商户销售和资金保护非自有收入，实际净费和支付/托管主体未知。"
+    },
+    {
+      "id": "TC26FIN-FIRSTGLANCE-HOME",
+      "companyId": null,
+      "title": "FirstGlance当前发现平台",
+      "url": "https://firstglance.io/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "平台连接创业者和投资者，提供资料、筛选/跟踪、沟通及Pro权益；称100+活跃早期投资者和原$1B+drypowder。",
+      "limitation": "投资者可投资金、展示的创业者融资/团队/用户、软件credits权益不是本平台收入；筛选/发现功能不单独证明AI核心。"
+    },
+    {
+      "id": "TC26FIN-FIRSTGLANCE-PROFILE",
+      "companyId": null,
+      "title": "FirstGlance原始公司页缺年",
+      "url": "https://www.linkedin.com/company/firstglance1",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "同域公司页列2—10范围、JonnyBoyarsky等，当前可读字段无Founded。",
+      "limitation": "不把第三方2024、当前目录发布时间或创办者旧履历当已核成立；精确法人年及AI交付缺项保留。"
+    },
+    {
+      "id": "TC26FIN-FIRSTGLANCE-LEGAL",
+      "companyId": null,
+      "title": "FirstGlance法律主体与访问差异",
+      "url": "https://firstglance.io/privacy",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原始隐私页列FirstGlanceCorporation；/terms网页工具不可读，普通HTTP200却返回同类隐私告知正文。",
+      "limitation": "法律页名称不证明注册年，当前terms响应不当完整服务收费合同；没有据此判停业/零收入或自动选2024。"
+    },
+    {
+      "id": "TC26FIN-PRISMM-HOME",
+      "companyId": null,
+      "title": "Prismm当前银行遗产协同",
+      "url": "https://getprismm.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "网页工具首页可读银行/信用社嵌入式继承人、账户及遗产协同；普通HTTP首页403，记录访问差异。",
+      "limitation": "遗产/存款转移市场规模和保留存款是客户资产，不当自身收入；当前AI核心未核，不把合作/安全标识当独立审计。"
+    },
+    {
+      "id": "TC26FIN-PRISMM-TERMS",
+      "companyId": null,
+      "title": "Prismm原始旧运营条款",
+      "url": "https://getprismm.com/terms",
+      "publishedAt": "2021-05-17",
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原始条款2021-05-17列WunderwoodCorporationd/b/aPrismm及getprismm服务，管理/分享家庭财务法律资料。",
+      "limitation": "证明2025前有业务材料，不把条款日说成精确注册；旧个人vault与当前银行集成的合同/收费边界未知。"
+    },
+    {
+      "id": "TC26FIN-PRISMM-PROFILE",
+      "companyId": null,
+      "title": "Prismm公司原始公开页",
+      "url": "https://www.linkedin.com/company/getprismm",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "同域公司页列BirminghamAL、2—10范围及MarthaUnderwood团队，旧vault与当前inheritance定位分别可见。",
+      "limitation": "无Founded字段不补第三方2021作精确注册；公司帖子提其他参赛名称与本次总入口快照不同，不据帖子改写原10项。"
+    },
+    {
+      "id": "TC26FIN-TABBY-HOME",
+      "companyId": null,
+      "title": "Tabby当前小企业记账产品",
+      "url": "https://www.usetabby.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "小企业AI记账、财务问答/发票/税前账表，连接银行交易进行分类与报告。",
+      "limitation": "银行流水/被管理费用和节税估算非Tabby收入；未接入账户或提交凭证，安全标识/准确率未独立测试。"
+    },
+    {
+      "id": "TC26FIN-TABBY-YEAR",
+      "companyId": null,
+      "title": "Tabby官方帮助页成立与发布",
+      "url": "https://help.usetabby.com/en/article/general-information-t8gtgt/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原始帮助页明确公司2024formed、产品2025-07-29公开ProductHunt发布；与tabby.ai中东BNPL公司无关。",
+      "limitation": "公司自述非注册核验，2025发布不当成立；软件准备账表、不提供报税服务，人工CPA/报税收入不继承。"
+    },
+    {
+      "id": "TC26FIN-TAXFIGURE-HOME",
+      "companyId": "TC-TAXFIGURE",
+      "title": "TaxFigure专业税务工作流",
+      "url": "https://taxfigure.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "提供联邦/SALT研究引用、文档分析、申报复核、规划建模及备忘录，按客户实体保持上下文。",
+      "limitation": "OCR/准确率和引用完整性为厂商描述，本轮未测试或使用税务结论；客户税收/咨询增收和演示金额不是本公司营收。"
+    },
+    {
+      "id": "TC26FIN-TAXFIGURE-YEAR",
+      "companyId": "TC-TAXFIGURE",
+      "title": "TaxFigure原始公司页成立字段",
+      "url": "https://www.linkedin.com/company/taxfigure",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "公司页同域、自报2025、ScottsdaleAZ、2—10范围；产品来自HighRockAccounting实务经验。",
+      "limitation": "原会计师事务所经营规模/收费不继承；公司自填年非独立注册，关联3人不当精确团队。"
+    },
+    {
+      "id": "TC26FIN-TAXFIGURE-PRICE",
+      "companyId": "TC-TAXFIGURE",
+      "title": "TaxFigure席位与credit报价",
+      "url": "https://taxfigure.com/pricing",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "标题年付等值原$8/席位/月含100credits；默认5席位计算器展示$7.50/席位/月、450/年，并有用量加购及企业采购阈值。",
+      "limitation": "标题、默认折扣示例与实际订单分列，不替用户推算收入；credit有效期/消耗非现金，年付月等值不等当月收款。税务条款另明确费用USD；$15000ACV为自助采购阈值非已签收入。"
+    },
+    {
+      "id": "TC26FIN-TAXFIGURE-TERMS",
+      "companyId": "TC-TAXFIGURE",
+      "title": "TaxFigureLLC主体与计费条款",
+      "url": "https://taxfigure.com/terms",
+      "publishedAt": "2026-09-16",
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "2026-09-16条款列TaxFigureLLC，收费/支付为USD，credit12个月过期，订阅可续订，产品作为税务研究辅助工具。",
+      "limitation": "条款及©2024—2026不是独立成立证据；与公司页2025及旧事务所项目沿革分别留缺，不把条款当注册或税务专业服务合同。"
+    },
+    {
+      "id": "TC26FIN-ZEEH-HOME",
+      "companyId": null,
+      "title": "ZeehGlobal当前身份与信用API",
+      "url": "https://usezeeh.com/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "原网址转www，网页工具可读AI/openbanking身份与跨境信用/现金流评估，面向银行和贷款机构。",
+      "limitation": "普通HTTP重读TLS超时不当停业；借款/交易本金、用户信用数据与平台API净费分开，FCRA等对齐宣传未独立核。"
+    },
+    {
+      "id": "TC26FIN-ZEEH-YEAR",
+      "companyId": null,
+      "title": "Zeeh原始公司页成立字段",
+      "url": "https://www.linkedin.com/company/zeeh-africa/",
+      "publishedAt": null,
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "公司页自报2022成立、11—50范围、LewesDelaware/Lagos，website为zeeh.africa。",
+      "limitation": "此页为旧原域，以下列官方反链对应usezeeh；全球品牌/新法人成立及精确注册仍待核，不把扩展全球年份重置旧业务。"
+    },
+    {
+      "id": "TC26FIN-ZEEH-BRAND-LINK",
+      "companyId": null,
+      "title": "Zeeh原域官方跨域产品反链",
+      "url": "https://www.zeeh.africa/blog/how-global-platforms-can-use-zeeh-from-fintechs-to-recruiters-and-proptechs",
+      "publishedAt": "2025-11-03",
+      "accessedAt": "2026-10-31",
+      "kind": "官方/公司自述：2026金融组原始资料复核",
+      "summary": "2025-11-03公司原域文章将globalverification明确链接usezeeh.com，讲AI验证、信用和开放银行同类业务。",
+      "limitation": "官方同品牌网页联系不等全部法人/并表确认；地域覆盖/减少欺诈/客户放贷规模不当自身ARR，精确价目和合同未核。"
     }
   ],
   "reviews": [
@@ -94653,6 +95068,47 @@
         "TC26CYBER-TROTTA-YEAR"
       ],
       "handling": "原始名单/2025对账不回写，访问登记不等主体/AI/财务全核。CUDE/Magier普通HTML可读与网页工具失败分列，Trotta公司缓存与直达不同；Detectif评分归属与厂商延迟分开，未读GitHub结果不升级技术等级，未执行外部攻击/安装或接入。"
+    },
+    {
+      "id": "TC26FIN-R-FINANCE",
+      "type": "金融资产、credits与专业服务收入拆分",
+      "company": "2026金融科技10项",
+      "scope": "dataset",
+      "summary": "Allin资本募集/演示财务/传统顾问价、Aparta房屋权益、Finaive托管/交易、FirstGlance投资者drypowder、Prismm遗产/存款、Zeeh贷款与信用数据均非公司软件ARR；记账/税务软件席位和用量另列。",
+      "evidenceIds": [
+        "TC26FIN-ALLIN-HOME",
+        "TC26FIN-APARTA-HOME",
+        "TC26FIN-FINAIVE-YEAR",
+        "TC26FIN-FIRSTGLANCE-HOME",
+        "TC26FIN-PRISMM-HOME",
+        "TC26FIN-ZEEH-HOME",
+        "TC26FIN-DODOCS-PRICE",
+        "TC26FIN-TAXFIGURE-PRICE",
+        "TC26FIN-TAXFIGURE-TERMS"
+      ],
+      "handling": "3新公司收入未知，未新增ARR/MRR/财务观测。DoDocsUSD和TaxFigureUSD有原始货币依据，年付等值/默认折扣/credits/采购阈值不当实际经常收入；待核净费、续订、实施/顾问服务与资金归属，不从缺项/差异推定造假。"
+    },
+    {
+      "id": "TC26FIN-R-ROSTER",
+      "type": "2026金融10原始链接与旧业务年份核对",
+      "company": "2026总入口具名201URL",
+      "scope": "dataset",
+      "summary": "金融10原网址全有访问记录：3新公司、6旧年份/业务范围外、1待年；Tabby2024公司/2025产品分开，Prismm2021条款仅证明旧业务。Zeeh官方原域反链核网页对应。现62登记、139未登记。",
+      "evidenceIds": [
+        "TC26AG-INDEX",
+        "TC26FIN-ALLIN-YEAR",
+        "TC26FIN-APARTA-YEAR",
+        "TC26FIN-CEDAR-YEAR",
+        "TC26FIN-DODOCS-YEAR",
+        "TC26FIN-FINAIVE-YEAR",
+        "TC26FIN-FIRSTGLANCE-PROFILE",
+        "TC26FIN-PRISMM-TERMS",
+        "TC26FIN-TABBY-YEAR",
+        "TC26FIN-TAXFIGURE-YEAR",
+        "TC26FIN-ZEEH-YEAR",
+        "TC26FIN-ZEEH-BRAND-LINK"
+      ],
+      "handling": "保留原2025/2026名单和原始URL；公司帖子提CLIMAT8/Gemba/Verapath等与原金融10快照的差异待核，不据帖子回写/声称额外已查。Finaive外壳、Prismm403/网页工具可读、ZeehTLS失败分列。只有厂商描述技术等级，未运行程序或接入财务数据，全部来源仍未完成。"
     }
   ],
   "coverage": {
@@ -104299,6 +104755,176 @@
           "companyId": "TC-TROTTA"
         }
       ]
+    },
+    {
+      "id": "TC-2026-battlefield-fintech-1",
+      "sourceId": "S02",
+      "url": "https://techcrunch.com/2026/08/20/the-2026-startup-battlefield-200-is-here-see-who-made-the-cut/",
+      "accessedAt": "2026-10-31",
+      "scope": "2026总入口金融科技10具名原网址逐项核对：Allin/Finaive/TaxFigure公司自报2025新增，6项范围前成立或旧业务暂范围外，FirstGlance原始成立/AI核心待核。无收入观测新增；总入口现62登记、139具名待登记，原3空锚保留。原金融10与公司帖子额外名称分列，不冒充已覆盖。",
+      "complete": false,
+      "records": [
+        {
+          "id": "TC26-FIN-ALLIN",
+          "name": "Allin AI",
+          "url": "https://theallin.ai",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "linked",
+          "note": "公司原始页2025关联；资本关系/融资工作流归C07，currentearlyaccess与live自述分列。市场融资额、演示公司财务、传统顾问报价不是自身ARR，合同和经常净费未知。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-ALLIN-HOME",
+            "TC26FIN-ALLIN-YEAR"
+          ],
+          "companyId": "TC-ALLIN-AI"
+        },
+        {
+          "id": "TC26-FIN-APARTA",
+          "name": "Aparta",
+          "url": "http://www.aparta.com",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "公司页自报2023，暂范围外；住房共同所有权不是软件订阅，房价/权益/债务与使用费须拆。集团编号已记录但官方API未读，AI核心及模型效果未核。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-APARTA-HOME",
+            "TC26FIN-APARTA-YEAR",
+            "TC26FIN-APARTA-ABOUT"
+          ]
+        },
+        {
+          "id": "TC26-FIN-CEDAR",
+          "name": "CedarDB",
+          "url": "https://cedardb.com",
+          "categoryId": "C02",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "原始About明确2024spinout，暂范围外；2017研究不替公司年。数据库支持AI场景非AI核心证明，云托管/算力/授权净费分开，未执行软件或独立测试。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-CEDAR-HOME",
+            "TC26FIN-CEDAR-YEAR"
+          ]
+        },
+        {
+          "id": "TC26-FIN-DODOCS",
+          "name": "DoDocs Inc",
+          "url": "https://dodocs.ai",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "Techstars原始页2023，暂范围外；当前AI会计流程不同于旧文档助手。套餐明确USD但报价非ARR，消费用量、免费客户、cashback与未来附加功能分开。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-DODOCS-HOME",
+            "TC26FIN-DODOCS-YEAR",
+            "TC26FIN-DODOCS-PRICE"
+          ]
+        },
+        {
+          "id": "TC26-FIN-FINAIVE",
+          "name": "Finaive",
+          "url": "http://finaive.com",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "unavailable",
+          "status": "linked",
+          "note": "公司原始页2025与AI验证/反欺诈描述关联，原站仅标题外壳。smartescrow/交易本金与平台净费分开，AI实现、合同/收入和支付主体仍缺，技术仅厂商描述。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-FINAIVE-HOME",
+            "TC26FIN-FINAIVE-YEAR"
+          ],
+          "companyId": "TC-FINAIVE"
+        },
+        {
+          "id": "TC26-FIN-FIRSTGLANCE",
+          "name": "FirstGlance",
+          "url": "https://firstglance.io",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "pending-year",
+          "note": "公司页无Founded、法律页仅主体名，2024第三方说法未获原始补证，成立和AI核心均待核。投资者drypowder/被展示公司融资、Pro软件额度不是自身ARR；/terms实际正文差异保留。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-FIRSTGLANCE-HOME",
+            "TC26FIN-FIRSTGLANCE-PROFILE",
+            "TC26FIN-FIRSTGLANCE-LEGAL"
+          ]
+        },
+        {
+          "id": "TC26-FIN-PRISMM",
+          "name": "Prismm",
+          "url": "https://getprismm.com",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "同域2021原始运营条款已证明旧业务，暂范围外但不填精确成立日；个人vault到银行继承协同不重置公司年。客户遗产/存款资产与软件净费分开，AI核心未核。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-PRISMM-HOME",
+            "TC26FIN-PRISMM-TERMS",
+            "TC26FIN-PRISMM-PROFILE"
+          ]
+        },
+        {
+          "id": "TC26-FIN-TABBY",
+          "name": "Tabby",
+          "url": "https://www.usetabby.com/",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "官方帮助页明确2024公司/2025产品发布，暂范围外，不混中东BNPL近名公司。软件记账和会计师/报税服务、客户资金流水分开，无当前收入观测。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-TABBY-HOME",
+            "TC26FIN-TABBY-YEAR"
+          ]
+        },
+        {
+          "id": "TC26-FIN-TAXFIGURE",
+          "name": "TaxFigure",
+          "url": "https://taxfigure.com/",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "linked",
+          "note": "公司原始页自报2025，条款TaxFigureLLC，专业税务软件关联；旧HighRock业务、©2024—26和精确注册分列。USD席位/credit、默认折扣计算器和已实现收入分开，不把采购阈值当ARR。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-TAXFIGURE-HOME",
+            "TC26FIN-TAXFIGURE-YEAR",
+            "TC26FIN-TAXFIGURE-PRICE",
+            "TC26FIN-TAXFIGURE-TERMS"
+          ],
+          "companyId": "TC-TAXFIGURE"
+        },
+        {
+          "id": "TC26-FIN-ZEEH",
+          "name": "Zeeh Global",
+          "url": "https://usezeeh.com",
+          "categoryId": "C07",
+          "kind": "company",
+          "profileStatus": "readable",
+          "status": "outside-cohort",
+          "note": "2022公司主页旧原域经2025官方反链对应usezeeh，按既有品牌/业务暂范围外，不因Global重置成立。AI/openbanking信用API与贷款/客户资金、平台净费分开，新旧法人边界未知。",
+          "evidenceIds": [
+            "TC26AG-INDEX",
+            "TC26FIN-ZEEH-HOME",
+            "TC26FIN-ZEEH-YEAR",
+            "TC26FIN-ZEEH-BRAND-LINK"
+          ]
+        }
+      ]
     }
   ],
   "directoryRechecks": [

content/research/ai-income-analysis.json

@@ -1,5 +1,5 @@
 {
-  "sourceVersion": "2026-10-31-tc26-cyber-1",
+  "sourceVersion": "2026-10-31-tc26-finance-1",
   "asOf": "2026-10-31",
   "metric": "platform-mrr-usd",
   "sampleUnit": "product-or-business",