One-install front door for a small business that keeps its own books on Xero. Install this first: it lights up locally at cold start with first-run onboarding, a Recued-native setup profile, and a unified work queue that pulls inbound email, calendar, and follow-ups into one prioritized list, plus mail-attachment invoice intake that parses a received invoice/receipt with the docling document toolkit and stages the extracted fields preview-first. It deepens when you bind Xero and a Google Drive receipts folder: the daily back-office becomes a live AR / overdue / cash-in cockpit, overdue-invoice-chase drafts one reminder per past-due customer and sends the owner-approved batch through the mail-send gate, and the Drive folder-watch lane stages each new document through the same docling parse. Born blocked, honestly: before the Xero and Google Drive binds the local queue and mail-attachment intake still run, while the accounting and Drive lanes show "connect Xero / Google Drive." Capability packs own the execution points and gates - every Xero write (invoice/payment/refund/void) and every Google Drive folder write stays approval-gated in accounting-quickbooks and gdrive, and customer email only ever sends owner-approved. This pack owns the working operating model; the capability packs own the money and the actuation. Shipped pinned to Xero; collapses to the vendor-agnostic smb-finance-starter once Xero lands.