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Gnucash can use a MySQL database. I wonder if your suggestion would be immediately possible by just putting the DB on a server.

That looks like it would be a bit clunky, and specifically says that its really only for 1 user: https://www.gnucash.org/docs/v3/C/gnucash-guide/basics-files...

Concurrency and finance are difficult to mix, at least for some types of tasks.