Xero is an online accounting system designed for small businesses and their advisors. It gives users access to bank transactions, invoices and reports through the internet or mobile devices. The Xero API uses a RESTful approach and responds to requests in an XML or JSON format.
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The Xero Ruby Library xeroizer provides developers a way to communicate their ruby/rails based applications with the Xero API. There's information on development for both public and private applications.