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Creytix Tax is decision support for you and a licensed professional. It is not a CPA, enrolled agent, attorney, or tax-return preparer. Outputs are not legal, tax, or accounting advice. Do not file, elect, form, or pay from these pages without professional review.

Full system

The complete loop — and the list we will not ship

Creytix Tax is decision support plus named later products (Entity, Books, Payroll, Sign). Completeness means every layer has a home and an honest refuse list. It does not mean we clone TurboTax, LegalZoom, or FlyFin.

Maintenance checklistWhat we will not build

The year, in order

Formation week through year-end. Each beat points at a named capability — not a chatbot inventing a stack.

  1. Formation week

    EIN letter, bank, organizational minutes, bylaws/OA, stock or membership ledger

    minute-book · minutes-drafts · governing-docs

  2. If you elect S-corp

    Form 2553 timing, payroll onboarding, reasonable-comp documentation — not a salary heuristic

    elections-2553-8832 · payroll-calendar

  3. Every quarter

    Estimated-tax dates and, if you have wages, 941 / deposits

    estimated-tax · payroll-calendar

  4. State SOS window

    Annual report or Statement of Information, franchise/margin tax, registered agent, foreign qualify

    sos-calendar · foreign-qualify

  5. Annual meeting

    Board/shareholder minutes or LLC consent; officer election; distributions if any

    minutes-drafts

  6. Year-end

    Books pack, W-2 / 1099, return calendar, CPA packet

    books-t1 · books-payroll-readonly · return-calendar · cpa-packet · writeoff-education

Capabilities

Wave 0 is education and drafts. Later waves execute in Creytix Entity, Books, Payroll, and Sign — never a second Ledger or e-sign product.

Records

  • Have now · wave 0

    Minute book and evidence folder

    EIN letter, articles/certificate, bylaws or OA, ledger, last SOS statement, insurance, licenses — one indexed set.

    Home: creytix-tax-engine

    Now: Checklist on /tax/maintain. Encrypted evidence pointers on /app/tax/documents.

    Next: No plaintext returns in logs. Filing still a later wave.

  • Have now · wave 0

    Operating agreement / bylaws customize

    White-label questionnaire + locked legal fragments. Not a downloaded PDF as the product.

    Home: creytix-tax-engine + governing-docs-v1

    Now: Questionnaire + fillGoverningDraft on /tax/maintain/governing. Attorney-attested freeze + Creytix Sign at /app/tax/instruments.

    Next: Do not e-file SOS. Do not fork e-sign.

  • Have now · wave 1

    Authenticated entity graph

    Legal name, owners, classification, nexus states, evidence docs — per organization.

    Home: creytix-tax-engine /app/tax

    Now: Authenticated /app/tax graph with organization_id isolation, progressive onboarding, encrypted evidence pointers.

    Next: No filing. Scenario runs live at /app/tax/scenarios.

Minutes and resolutions

  • Have now · wave 0

    Minutes, consents, and resolutions

    Organizational, annual board, annual shareholders, written consent, LLC consent, banking, officer election, distribution, accountable-plan adoption.

    Home: creytix-tax-engine + corp-minutes-v1

    Now: Questionnaire + fillMinutesDraft on /tax/maintain/minutes. Attorney-attested freeze + Creytix Sign at /app/tax/instruments.

    Next: Do not e-file SOS. Do not fork e-sign.

State filings

  • Build later · wave 5

    Annual report / Statement of Information / franchise calendar

    Per-entity due dates, official URLs, and a reminder. Filing is a partner or you.

    Home: creytix-entity-procedures

    Now: Education + CA SOI / DE franchise URLs plus confirmation-gated reminders at /app/tax/books. No e-file.

    Next: Partner SOS transmit stays later. Confirmation phrase is not a filing.

  • Have now · wave 0

    Foreign qualification and renewals

    Operate-in state ≠ formation state. Certificates of authority have their own calendar.

    Home: creytix-tax-engine

    Now: Task + learn article foreign-qualify-vs-formation-state.

    Next: Cost tables Wave 2. Partner file Wave 5.

  • Have now · wave 5

    Formation assist behind confirmation

    Records the phrase that Creytix will not file. Not CorpNet. Not a Secretary of State bureau.

    Home: creytix-tax-engine

    Now: Confirmation-gated records at /app/tax/books. Phrase: I confirm Creytix will not file this. partnerBound and corpNet stay false.

    Next: Authorized partner transmit stays later. Do not bind CorpNet from this record.

  • Build later · wave 5

    Partner e-file (SOS + IRS MeF)

    Transmit through an authorized partner after confirmation. Creytix is not the SOS or the IRS.

    Home: creytix-entity-procedures + finance T3

    Now: Explicitly refused on every filing task.

    Next: Own MeF (T4) is a Year-5 scale gate — optional, not required for completeness.

Tax calendars and scenarios

  • Have now · wave 0

    Federal estimated-tax dates

    1040-ES / 1120 estimated dates. Amounts are CPA.

    Home: creytix-tax-engine

    Now: Dates on the maintenance catalog. No voucher math.

    Next: Wave 2 calendar as a dated rule. Amounts stay CPA.

  • Have now · wave 0

    Income-tax return calendar

    1120 / 1120-S / 1065 / Schedule C follow federal classification, not the marketing name.

    Home: creytix-tax-engine → finance T1–T4

    Now: Which form, not a prepared return.

    Next: T1 tax-ready pack from Books. T2 form fill. T3 partner MeF.

  • Have now · wave 2

    Versioned scenario runs

    S-corp salary sensitivity, foreign-qualify flags, franchise table lookup, PTET data (not savings).

    Home: creytix-tax-engine /app/tax/scenarios

    Now: Immutable scenario runs at /app/tax/scenarios. Eligibility gates payroll-tax delta. Calendars, nexus flags, and PTET education from published tables.

    Next: RAG explains published rules after a run. Still no total-tax toy.

Write-offs and strategies

  • Have now · wave 0

    Write-off and strategy education

    Ordinary/necessary, home, vehicle, meals, startup vs capital, accountable plan, retirement/health, S-corp wages, depreciation, QBI education, never-deductible.

    Home: creytix-tax-engine

    Now: /tax/maintain/writeoffs from DEDUCTION_TOPICS.

    Next: CPA maps books onto the return. No FlyFin clone.

Federal elections

  • Have now · wave 6

    Form 2553 and Form 8832 packets

    S-corp election vs entity-classification election are separate instruments with separate deadlines.

    Home: creytix-tax-engine

    Now: CPA-attested 2553/8832 packets at /app/tax/elections. Sign is document.sign.platform. Does not transmit.

    Next: Partner transmit stays later. Not MeF.

Books

  • Build later · wave 5

    Tax-ready books pack

    Trial balance, P&L, balance sheet, fixed assets, 1099 vendor report — export for a CPA.

    Home: creytix-books-ledger

    Now: Read-only books facts at /app/tax/books from onboarding. Creytix Books (creytix-books-ledger) is the home. Not a T1 export.

    Next: Tax-ready pack export from Creytix Books. Do not fork QuickBooks.

  • Have now · wave 5

    Read-only books and payroll status

    Onboarding books facts plus education calendars. Creytix Books and Creytix Payroll stay the homes. Never a second ledger.

    Home: creytix-tax-engine + creytix-books-ledger + creytix-payroll

    Now: Authenticated /app/tax/books. Public /tax/maintain/books is education-only. Gusto is an import fallback warning, not the home.

    Next: T1 export still lives in Creytix Books. Gross-to-net still lives in Creytix Payroll.

Payroll

  • Build later · wave 5

    941 / 940 / deposit / W-2 calendar

    Payroll deposits are a different cadence from 1040-ES. Missing them stacks penalties.

    Home: creytix-payroll

    Now: Education task plus read-only calendars at /app/tax/books. WY-first payroll is finance-suite PR1.

    Next: Gross-to-net + EFTPS human-approved deposits. No Gusto as the home.

Professional handoff

  • Have now · wave 4

    CPA / attorney packet + Creytix Sign

    Snapshot, graph, scenarios, citations, open questions, reviewer attestations.

    Home: creytix-tax-engine + document.sign.platform

    Now: Authenticated CPA packet at /app/tax/handoff. Frozen snapshot of an executed scenario. Live Creytix Sign issuer (document.sign.platform) mints a token at /sign/{token}. Fixture remains the package default for tests. Approve never files. Not Form 2553, Form 8832, or SOS filing.

    Next: Operating OS pack finance.entity-tax-os includes this capability. Nest Mongo persist for Sign envelopes is later. CorpNet, filing, and LLM tax math stay out.

Regulatory intelligence

  • Have now · wave 3

    IRS / IRB / Federal Register ingest

    FR API + IRB artifacts → human publish → alerts. Never a fake live ticker.

    Home: creytix-tax-engine /app/tax/regulatory

    Now: Hashed IRS/IRB/FR artifacts at /app/tax/regulatory. Fixture ingest, operator-triggered official Federal Register API fetch, and an unattended daily FR API cadence poller. Human review before published non-binding alerts. Does not calculate tax. Does not mutate executed scenarios. Not a live ticker.

    Next: Still no live IRS.gov ticker. CorpNet and filing stay later.

AI explain (later)

  • Have now · wave 4

    Grounded copilot on published rules

    Explain a rule result, list missing facts, draft a packet. Never invent math or file.

    Home: /app/tax/advisory

    Now: Retrieve-only RAG at /app/tax/advisory after an executed scenario. IRC §7216 / Pub 4557-style recorded consent gates a model restatement of that published RuleResult text. Production default has no provider (no_provider). Does not calculate tax. Return uploads, EINs, and people are not sent.

    Next: Live Sign issuer may be injected. Do not auto-wire a model provider. Filing stays later.

What we will not build

Informational onlyInformational only. These twenty items stay refuse. They are product law, not a backlog and not a later-wave schedule.

Completeness is this list as much as the capability list. Full write-ups live on /tax/wont-build.

  1. Informational · 1 / 20

    A product named Ledger

    The tax engine is creytix-tax-engine. Ledger already means Cost Ledger and the chat harvest ledger.

  2. Informational · 2 / 20

    LLM-calculated tax, eligibility, or statutes

    Models invent wage bases and elections. Math lives only in @creytix/tax-rules.

  3. Informational · 3 / 20

    Federal-bracket “total tax” calculator

    Without filing status, QBI, NIIT, additional Medicare, and state rules, a “total tax” number is a lie.

  4. Informational · 4 / 20

    FlyFin / Keeper-style AI write-off finder

    Personalized “write this off $X” is advice we are not licensed to give.

  5. Informational · 5 / 20

    Vehicle / Tesla / boat / aircraft write-off pitches

    Listed-property rules are facts plus a CPA. A shopping list is marketing.

  6. Informational · 6 / 20

    Hire-your-kids-to-zero-the-tax schemes

    Child-labor, reasonable-wage, and kiddie-tax facts are not a productized loophole.

  7. Informational · 7 / 20

    $80k–$100k S-corp salary heuristic

    Reasonable compensation is professional judgment, not a blog percentage of profit.

  8. Informational · 8 / 20

    First-party Secretary of State e-file bureau

    We are not CorpNet, Harbor, or LegalZoom. State portals and authorized transmitters exist.

  9. Informational · 9 / 20

    A second e-sign product

    Creytix Sign is the envelope. Forking e-sign per tenant is the defect.

  10. Informational · 10 / 20

    Nominee kits, straw owners, or “hide from IRS/creditors”

    Privacy is a public-record tradeoff. Concealment is out of product.

  11. Informational · 11 / 20

    FinCEN BOI as a current U.S. company duty

    The August 14, 2026 final rule ended BOI for U.S. companies and U.S. persons.

  12. Informational · 12 / 20

    Alter-ego / piercing / charging-order guarantees

    Courts look at capitalization, commingling, and formalities. Software cannot insure the veil.

  13. Informational · 13 / 20

    QBI, NIIT, PTET-savings, or QSBS exclusion engines

    Those need return-level facts we will not invent. PTET is a state election, not a federal hack.

  14. Informational · 14 / 20

    Wayfair sales-tax rate calculator

    Nexus and rates are a specialist engine. Guessing a rate is worse than a calendar.

  15. Informational · 15 / 20

    Fundraising cap-table product (Carta/Pulley clone)

    A stock ledger for formalities is not priced rounds, SAFEs, and 409A.

  16. Informational · 16 / 20

    Gusto / ADP as the payroll home

    Payroll is in-suite (creytix-payroll). Providers are import fallbacks, not the home.

  17. Informational · 17 / 20

    IRS Direct File clone

    Direct File is not a Filing Season 2026 path. Free File remains the IRS free option when you qualify.

  18. Informational · 18 / 20

    Practicing law or Circular 230 return preparation in Wave 0–4

    Unauthorized practice and E&O. Template-population is not counsel.

  19. Informational · 19 / 20

    Fake live IRS.gov ticker

    Unreviewed HTML scrape is how stale BOI and wrong wage bases ship.

  20. Informational · 20 / 20

    Trust mill / asset-protection kit as a productized dodge

    Grantor vs non-grantor tax and charging-order outcomes are attorney work.

Next

Use the Wave 0 tools. Do not wait on a clone.

Draft minutes or governing docs, keep the filing checklist, and read the write-off topics. A CPA or attorney still files and signs.

Draft minutesGoverning docs

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