If you’d like some feedback, for us it’s less a volume issue and more a case of design limitations. We run subledgers per customer in our own code for clearing and settlement (we’re a two-sided network), and posting the rollups back to Xero sometimes runs into edge cases and limitations. Recognition timing is one pain point, another is API-driven reconciliation.

What I’d struggle to give up is the ease of reporting. Xero’s report designer is right in my sweet spot for usability, flexibility, and domain-specific correctness, probably my favourite reporting tool in three decades of shaking down business software.