展示HN（YC S25）：Well – 基于MCP AI的发票收集系统
嗨，HN，我们是Lago的联合创始人：一款由AI代理驱动的Chrome扩展，当会计季节来临时，它成为每位创始人的最佳伙伴。Well自动化供应商发票的收集，并将数据直接传输到您的会计工具、ERP或仪表板——无需任何努力。
<p>我们为何构建Well：自动化支付的缺失环节</p>
我们的网站是 <a href="https://wellapp.ai/" rel="nofollow">https://wellapp.ai/</a>，我们的Github在这里： <a href="https://github.com/WellApp-ai/well">https://github.com/WellApp-ai/well</a>。
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<p>我们的背景</p>
我们是一支在欧洲金融科技领域深耕的基础设施建设团队。在过去十年中，我们从零开始构建并扩展了两个核心银行平台——IbanFirst、Fintecture和Qonto（服务超过60万家中小企业）。支付、合规性、可扩展性：我们亲历了这一切，推动了它，打破了它，并重建了它。
在这些年里，有一件事变得显而易见：虽然资金转移变得快速、标准化且可预测，但处理供应商发票仍然混乱不堪。
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<p>洞察</p>
如今，支付问题已经得到解决。像EMV、SEPA即时和SWIFT这样的协议创造了可靠、即时的结算流程。无论您是刷卡还是跨境汇款，基础设施都能正常运作。
但发票呢？每个供应商、每项服务、每个供应商的做法仍然各不相同。有些通过电子邮件发送PDF，有些强迫您登录门户，有些则根本不发送任何东西，除非您手动追踪。没有协议，没有标准，没有轨道——只有摩擦。
在一个支付被协议化的世界中，*发票管理是破碎的*。
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<p>问题</p>
这种混乱不仅令人烦恼——它在运营上也非常昂贵：
- 独立创业者和小团队每月浪费数小时仅仅用来检索发票。
- 会计工具通常依赖手动拖放上传。
- 糟糕的发票跟踪意味着糟糕的财务透明度——这导致了法国57%的破产是由于现金流管理不善。
我们在Qonto与数千家初创企业和中小企业密切合作，亲眼目睹了这一切。应付账款解决方案的采用率是*痛苦地低*——并不是因为人们不需要它们，而是因为启动仍然需要太多手动工作。
没有人愿意转发电子邮件、上传PDF或管理收件箱规则，仅仅是为了跟踪基本财务。
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<p>为什么是现在</p>
两股力量正在汇聚：
- 监管：欧盟范围内的电子发票强制规定即将到来，正在改变这一领域。
- 技术：AI现在使我们能够在传统的RPA（机器人流程自动化）方法失败的地方实现自动化。
我们相信，金融领域的下一个真正颠覆不会来自支付轨道，而是来自于*弥合发票差距*——自动、隐形且大规模地实现。
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<p>我们正在构建的内容</p>
Well是一个由AI驱动的基础设施，旨在自动化供应商发票的收集——无论格式如何，来源如何。
以下是Well的功能：
• 从门户、电子邮件和附件中捕获发票——完全自动化。
• 高精度提取结构化数据（金额、供应商、日期）。
• 安全地将发票数据同步到您的会计SaaS、ERP或仪表板。
无需手动上传。无需共享密码。无需追踪。
只需一个协议化的管道——就像支付一样，但用于供应商发票。
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<p>接下来是什么</p>
- 扩展Well在1000多个SaaS供应商中的覆盖范围。
- 深化与会计、ERP和支出管理生态系统的集成。
- 构建无形的财务工作流程，让发票在您需要的地方自动出现。
我们从独立创业者、独立开发者和精益创业团队开始——但我们的目标是让发票混乱对任何规模的企业来说都变得过时。
如果您厌倦了追踪供应商发票而不是发展业务，我们很乐意听取您的意见。
<p>了解更多信息，请访问 <a href="https://wellapp.ai/" rel="nofollow">https://wellapp.ai/</a></p>
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Hi HN, we’re the cofounders of Lago:an AI-agent powered Chrome extension that becomes every founder’s best friend when accounting season hits. Well automates supplier invoice collection and pipes the data directly into your accounting tools, ERP, or dashboards — with zero effort.<p>Why We’re Building Well: Automating the Missing Half of Payments<p>Our website is at <a href="https://wellapp.ai/" rel="nofollow">https://wellapp.ai/</a> and our Github is here: <a href="https://github.com/WellApp-ai/well">https://github.com/WellApp-ai/well</a>.<p>---<p>Our Background<p>We’re a team of infrastructure builders with deep roots in European fintech.<p>Over the last decade, we built and scaled two core-banking platforms — from scratch — across IbanFirst, Fintecture, and Qonto (serving 600K+ SMEs). Payments, compliance, scalability: we lived it, pushed it, broke it, and rebuilt it.<p>Across all those years, one thing became obvious: while moving money became fast, standardized, and predictable, handling supplier invoices remained chaos.<p>---<p>The Insight<p>Payments today are a solved problem.<p>Protocols like EMV, SEPA Instant, and SWIFT create reliable, instant settlement flows. Whether you tap a card or wire funds across borders, the infrastructure just works.<p>But invoices?<p>Every supplier, every service, every vendor still does it differently. Some email you a PDF. Some force you to log into portals. Some send nothing at all unless you chase them manually. There’s no protocol, no standards, no rails — just friction.<p>In a world where payment is protocolized, *invoice management is broken*.<p>---<p>The Problem<p>This chaos isn’t just annoying — it’s operationally expensive:<p>- Solopreneurs and small teams waste hours every month just retrieving invoices.
- Accounting tools often rely on manual drag-and-drop uploads.
- Poor invoice tracking means poor treasury visibility — contributing to the 57% of bankruptcies in France caused by cash flow mismanagement.<p>We’ve seen it first-hand working closely with thousands of startups and SMEs at Qonto. Adoption of accounts payable solutions is <i>painfully low</i> — not because people don’t need them, but because getting started still requires too much manual work.<p>No one wants to forward emails, upload PDFs, or manage inbox rules just to track basic finances.<p>---<p>Why Now<p>Two forces are converging:<p>- Regulation: EU-wide electronic invoicing mandates are coming, shifting the landscape.
- Technology: AI now allows us to automate where legacy RPA (robotic process automation) approaches failed.<p>We believe the next true disruption in finance won’t come from payment rails. It will come from *bridging the invoice gap* — automatically, invisibly, and at scale.<p>---<p>What We’re Building<p>Well is an AI-powered infrastructure designed to automate supplier invoice collection — no matter the format, no matter the source.<p>Here’s what Well does:<p>• Captures invoices from portals, emails, and attachments — fully automated.<p>• Extracts structured data (amounts, vendors, dates) with high accuracy.<p>• Securely syncs invoice data into your accounting SaaS, ERP, or dashboards.<p>No manual uploads. No password sharing. No chasing.<p>Just a protocolized pipeline — like payments, but for supplier invoices.<p>---<p>What’s Next<p>- Extending Well’s reach across 1,000+ SaaS vendors.
- Deepening integrations into accounting, ERP, and spend management ecosystems.
- Building invisible finance workflows where invoices just...appear where you need them.<p>We’re starting with solopreneurs, indie hackers, and lean startup teams — but our ambition is to make invoice chaos obsolete for businesses of any size.<p>If you’re tired of chasing supplier invoices instead of growing your business, we’d love to hear from you.<p>Learn more at <a href="https://wellapp.ai/" rel="nofollow">https://wellapp.ai/</a>