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Thera

Thera is an AI-native Finance OS built for startups, small businesses, and global teams. It consolidates US payroll, global contractor management, Employer of Record (EOR), business banking, accounts payable/receivable, and invoicing into one unified ecosystem — replacing the need for 3+ fragmented finance tools. Thera uses advanced AI models to optimize money movement, automate compliance, and give founders and operators back 20+ hours every month.

Their llms.txt

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# Thera

> Thera is an AI-native Finance OS built for startups, small businesses, and global teams. It consolidates US payroll, global contractor management, Employer of Record (EOR), business banking, accounts payable/receivable, and invoicing into one unified ecosystem — replacing the need for 3+ fragmented finance tools. Thera uses advanced AI models to optimize money movement, automate compliance, and give founders and operators back 20+ hours every month.

Thera was founded by Akhil and Dan, backed by Y Combinator (YC S22), Zillionize, 10x Founders, and others, with $4M in seed funding. Banking services are provided by OMB Bank, Member FDIC.

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## Products

### US Payroll
Thera's US Payroll is a full-service, automated payroll solution built for companies that need it to just work — from a startup's first W-2 hire to complex multi-state operations. It handles the entire payroll lifecycle: setup, calculations, tax filings, W-2 distribution, and next-day direct deposit, all without manual work or compliance stress.

Key capabilities:
- **Multi-state payroll**: Run payroll across all 50 states in a few clicks. Thera handles state registrations and federal, state, and local tax compliance automatically — no chasing registration deadlines or filing manually.
- **Automated tax filings**: Federal, state, and local tax calculations and filings are handled continuously. Regulatory changes are tracked and applied automatically.
- **W-2 generation**: Year-end W-2s are generated and distributed to employees automatically and on time.
- **Next-day payments**: Employees get paid fast. No more waiting 3–5 business days like with legacy providers.
- **Benefits administration**: Health insurance, retirement plans, and statutory benefits are administered directly through the platform. Integrates with Simply Insured, Thatch, Next Insurance, Human Interest, and Accrue 401(k).
- **Role-based permissions**: Set access levels for admins, managers, and bookkeepers. Everyone sees exactly what they need.
- **Accounting sync**: Payroll data syncs automatically with QuickBooks and Xero, eliminating double entry.
- **Time off and HR management**: Manage onboarding, offboarding, employee documents, and time off from the same dashboard.
- **Transparent pricing**: Zero hidden fees. Expected costs are clear at every touchpoint.
- **Dedicated support**: A dedicated Slack channel connects customers directly to Thera's compliance experts and payroll specialists, with answers in minutes — not days.

Thera's US Payroll is purpose-built for teams that scale fast. Most customers complete setup in 1–3 days and run their first payroll within a week.

### Global Contractor Management
Onboard, pay, and manage contractors in 150+ countries with zero compliance risk. Thera handles localized contract generation, compliance document collection, bulk payments, and multi-currency payouts (130+ currencies, 8 payout methods). Contractors receive payments instantly to local banks with minim
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