SMB 向け AI 記帳 — 取引の分類、銀行明細の照合、月次決算の生成を自動化。
ツール利用メモリRAG
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Pilot vs Sardinewhich AI ops agent should you pick in 2026?
AI-powered bookkeeping and CFO services for startups — autonomous monthly close with human reviewers.
Tool useMemoryRAG
Pilot vs Sardine — specs
| Spec | Pilot | Sardine |
|---|---|---|
| Agent Rank | 60 / 100 (B) | 67 / 100 (B) |
| Autonomy | Semi-autonomous | Autonomous |
| Pricing | Subscription · from $499 | Subscription |
| Open source | No | No |
| Capabilities | Tool use, Memory, RAG | Tool use, Memory, RAG, Multi-agent |
| Integrations | 4 apps | 4 apps |
| Verified | Verified | — |
| Released | Jan 2025 | Jan 2025 |
Agent Rank breakdown
Pilot
Agent Rank
60/ 100
- 自律性
- 8
- 機能
- 6
- 連携
- 2
- 料金
- 4
- 完成度
- 6
- 検証性
- 10
自律性、機能、連携、料金、成熟度、編集部の検証を基に自動算出。デプロイごとに更新されます。 どのように算出されているか?
Sardine
Agent Rank
67/ 100
- 自律性
- 9
- 機能
- 8
- 連携
- 6
- 料金
- 4
- 完成度
- 7
- 検証性
- 6
自律性、機能、連携、料金、成熟度、編集部の検証を基に自動算出。デプロイごとに更新されます。 どのように算出されているか?
Pros & cons
Pilot
メリット
- +AI-driven bookkeeping with human reviewers — best-of-both reliability
- +Tax + R&D credit + CFO services bundled at higher tiers
- +Used by 2,000+ venture-backed startups
デメリット
- −$499/mo entry is high for pre-seed founders
- −Mostly US-focused — limited international support
- −Less control if you want hands-on involvement in bookkeeping
Sardine
メリット
- +$145M total (a16z) — top of the agentic financial-crime category
- +Consolidates 11 fraud/KYC/AML vendors into one platform
- +Auto-reviews 40% of monthly applications — major cost reduction
デメリット
- −Enterprise focus — not priced for SMB fintechs
- −Regulatory complexity requires legal review per deployment
- −Best ROI requires existing high-volume transaction flow
Pricing
Pilot
Core
$499/月
Seed-stage startups
- +Monthly bookkeeping
- +P&L + balance sheet
- +Accrual basis
おすすめ
Plus
$849/月
Series A+
- +Custom reporting
- +Industry-specific
- +A/R + A/P management
Premium
カスタム
Scaling startups
- +Dedicated controller
- +CFO services
- +Audit support
Sardine
Growth
カスタム
Mid-market fintechs
- +Fraud + AML core agents
- +4 integrations
- +Standard SLA
おすすめ
Enterprise
カスタム
Large banks + fintechs
- +Full agent suite
- +Unlimited integrations
- +Custom rules engine
Sovereign
カスタム
Regulated
- +EU/US data residency
- +On-prem option
- +Dedicated CS
Which one should you pick?
Pilot
Pick Pilot if cost is the main constraint or if you want a vendor we've verified for accessibility and pricing accuracy.
Try Pilot →Sardine
Pick Sardine if you want the highest autonomy and the verification loop is in place.
Try Sardine →Affiliate links. We may earn a commission at no extra cost to you.
Frequently asked
Should I pick Pilot or Sardine in 2026?+
Pick Pilot if cost is the main constraint or if you want a vendor we've verified for accessibility and pricing accuracy. Pick Sardine if you want the highest autonomy and the verification loop is in place. Most working teams running both can use Pilot for primary work and Sardine for the workflows where its specific strengths matter.
What's the price difference between Pilot and Sardine?+
Pilot starts at Subscription · from $499; Sardine starts at Subscription. Pilot is the cheaper entry option. For team deployments the TCO can differ — use the AI Agent Rank TCO calculator for your specific volume.
Which is more autonomous, Pilot or Sardine?+
Sardine is the more autonomous of the two (Autonomous vs Semi-autonomous). Higher autonomy ships throughput faster but requires verification loops in place — see our autonomous-vs-copilot framing for when each tier wins.
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Adjacent agents in the same category with overlapping capabilities — worth a side-by-side glance before you commit.
AIコントローラー — 月次決算の自律化、照合、変動分析、差異コメンタリーを提供します。
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See more alternatives: alternatives to Pilot · alternatives to Sardine
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