Xero is a New Zealand-based company that provides cloud-based accounting software for small and medium-sized businesses. Its services include automatic bank feeds, invoicing, accounts payable, expense claims, and financial reporting. Xero's target audience is small businesses and their advisors. The unique selling proposition (USP) is its unified ledger system, allowing users to access financial data in real-time from any device, making it highly accessible and efficient for managing finances across different locations and operating systems[1][4][5].