PLATFORM · AGENTS

One job per agent.
No agent marks its own work.

Reading, categorising and answering are each done by a different agent. Rules check their work, and only a person accepts it.

01 · THE READING AGENT

Statement in, ledger rows out.

One agent reads the statement
into the client’s ledger.

Upload a bank statement as a CSV or PDF. The agent writes each line into the ledger, reuses the payees the client already has, and skips any row it has seen before.

CSV or PDF
Upload the statement the way the bank issues it.
Reuses payees the
client already has
A Staples line lands on the existing Staples payee.
Skips rows it has
seen before
Overlapping statements don’t double up.

STATEMENT · CSV OR PDFALREADY IN
THE LEDGERALREADY IN
THE LEDGER7 ROWS READ · 2 SKIPPEDLEDGER · MERIDIAN CONSULTINGDATEPAYEEAMOUNTStaplesKavro HoldingsAdobeClient OrionSR EnterprisesNEW PAYEE5 ROWS ADDED · 4 PAYEES REUSED · 1 NEW

02 · THE CATEGORISING AGENT

Every line gets a proposal.

A separate agent proposes
a category for every line.

Each proposal comes with a confidence and a reason in one plain sentence. Anything under 85% is marked for a person to check, and nothing posts until a reviewer says yes.

Interest earned: savings account
DATE
Jun 22
AMOUNT
+₹218
CONFIDENCE
98%
PROPOSED CATEGORY
Interest Income
Credit from the bank itself, labelled as interest.
Unknown wire: Kavro Holdings
DATE
Jun 20
AMOUNT
−₹4,500
CONFIDENCE
92%
PROPOSED CATEGORY
Professional Fees
Payee matched 6 prior transactions, all Professional Fees.
UPI: ••••3021@ybl
DATE
Jun 18
AMOUNT
−₹2,350
CONFIDENCE
58%Check
PROPOSED CATEGORY
Office Supplies
A UPI handle, not a business name. Two categories fit.
NEFT transfer: SR Enterprises
DATE
Jun 16
AMOUNT
−₹18,750
CONFIDENCE
64%Check
PROPOSED CATEGORY
Professional Fees
New payee. The narration doesn’t say what was bought.
Office supply order: Staples
DATE
Jun 14
AMOUNT
−₹342
CONFIDENCE
97%
PROPOSED CATEGORY
Office Supplies
Staples matched 11 prior transactions, all Office Supplies.
Freight delivery: Client Orion
DATE
Jun 12
AMOUNT
+₹23,400
CONFIDENCE
94%
PROPOSED CATEGORY
Revenue: Services
Orion is an existing customer. Their credits are revenue.
Adobe Creative Cloud: 12 seats
DATE
Jun 10
AMOUNT
−₹1,188
CONFIDENCE
96%
PROPOSED CATEGORY
Software Subscriptions
Same payee and amount as each of the last five months.

The category proposed for each statement line, how confident the agent is, and why. Under 85% a person checks it.
DATE	TRANSACTION	AMOUNT	PROPOSED CATEGORY	CONFIDENCE	Review
Jun 22	Interest earned: savings account	+₹218	Interest Income	98%
			Credit from the bank itself, labelled as interest.
Jun 20	Unknown wire: Kavro Holdings	−₹4,500	Professional Fees	92%
			Payee matched 6 prior transactions, all Professional Fees.
Jun 18	UPI: ••••3021@ybl	−₹2,350	Office Supplies	58%	Check
			A UPI handle, not a business name. Two categories fit.
Jun 16	NEFT transfer: SR Enterprises	−₹18,750	Professional Fees	64%	Check
			New payee. The narration doesn’t say what was bought.
Jun 14	Office supply order: Staples	−₹342	Office Supplies	97%
			Staples matched 11 prior transactions, all Office Supplies.
Jun 12	Freight delivery: Client Orion	+₹23,400	Revenue: Services	94%
			Orion is an existing customer. Their credits are revenue.
Jun 10	Adobe Creative Cloud: 12 seats	−₹1,188	Software Subscriptions	96%
			Same payee and amount as each of the last five months.

03 · IN THE LEDGER

Where the proposals land.

Every line shows where it stands.

Categorised, needs review, flagged or reconciled: each line is marked for what it needs. Ask a question in plain English and the answer cites the rows behind it.

The client’s ledger: every transaction with its status, categorised, needs review, flagged or reconciled, and a flagged wire to Kavro Holdings highlighted at the top.

04 · EVERY PROPOSAL

Enough to judge it at a glance.

Every proposal comes with
enough to judge it.

A category on its own would be a guess. With a confidence and a reason beside it, a reviewer can agree in a second, or change it knowing why it was proposed.

THE REASON
A reason in a sentence
Every proposal says why in plain words: the payee it matched, the usual amount, whether it found a duplicate.
WHERE A PERSON DECIDES
Under 85%, a person checks
Those lines are marked for checking. Either way, nothing posts until a reviewer says yes.
THE CORRECTION
Corrections teach it
Change a category and the correction becomes the rule for that payee. The agent never overwrites it.

THE REASON
A reason in a sentence
Every proposal says why in plain words: the payee it matched, the usual amount, whether it found a duplicate.
WHERE A PERSON DECIDES
Under 85%, a person checks
Those lines are marked for checking. Either way, nothing posts until a reviewer says yes.
THE CORRECTION
Corrections teach it
Change a category and the correction becomes the rule for that payee. The agent never overwrites it.

05 · WHAT THEY NEVER DO

Limits the agents work within.

What the agents never do.

The agents read and propose. Posting stays with a person.

They never post an entry
nobody accepted.
A proposal at 99% and one at 40% wait the same way, until a reviewer says yes.
They never overwrite
a correction.
When a reviewer changes a category, that change becomes the rule for the payee, and the agent follows it from then on.
They never hide how
they got there.
Every proposal carries its reason, and every change is recorded against the person, rule or agent that made it. Nothing is deleted.

One job per agent. No agent marks its own work.

One agent reads the statement into the client’s ledger.

CSV or PDF

Reuses payees the client already has

Skips rows it has seen before

A separate agent proposes a category for every line.

Interest earned: savings account

Unknown wire: Kavro Holdings

UPI: ••••3021@ybl

NEFT transfer: SR Enterprises

Office supply order: Staples

Freight delivery: Client Orion

Adobe Creative Cloud: 12 seats

Every line shows where it stands.

Every proposal comes with enough to judge it.

A reason in a sentence

Under 85%, a person checks

Corrections teach it

A reason in a sentence

Under 85%, a person checks

Corrections teach it

What the agents never do.

They never post an entry nobody accepted.

They never overwrite a correction.

They never hide how they got there.

See your own month while it’s still open.

One job per agent.
No agent marks its own work.

One agent reads the statement
into the client’s ledger.

Reuses payees the
client already has

Skips rows it has
seen before

A separate agent proposes
a category for every line.

Every proposal comes with
enough to judge it.

They never post an entry
nobody accepted.

They never overwrite
a correction.

They never hide how
they got there.