XERO

XERO is a risk and accountability case because cloud accounting is no longer a back-office convenience for small businesses; it is where invoices, payroll evidence, bank reconciliation, tax filings, adviser work, receipts, approvals, and cash-flow records are kept live. The public record matters because Xero's own status history shows that a short degradation can become a practical business-continuity event when customers need to send invoices, run payroll, reconcile transactions, renew bank feeds, load filings, or prove what happened during a deadline window.