Bank Statements

Bank statements are your source of truth for cash movements. AI-native ERP processes statements from multiple sources -- CSV files, OFX downloads, and direct bank connections -- and turns them into reconciled, categorized accounting data. The system handles everything from initial import through transaction matching and GL posting.

Statement Import#

You can bring bank statement data into the system through multiple channels. Upload a CSV or OFX file directly in chat, and the system extracts each line with its date, amount, description, and reference. If you have a direct bank connection (through integrations with Wise, LHV, Swedbank, Stripe, or Salt Edge), statements sync automatically on schedule.

Each statement line captures the essential data: transaction date, value date, amount, currency, description, counterparty information, and bank reference numbers. The system creates a complete record of every cash movement at the bank, ready for matching and reconciliation.

Intelligent Account Discovery#

When the system encounters a statement for a bank account it does not recognize, it initiates an intelligent discovery flow. Rather than failing silently, it presents the account details and asks you to identify the account type and purpose. This means new accounts are set up correctly from the first statement, with proper GL mappings and classification.

For accounts linked to corporate card programs, the system automatically routes statement lines to the card transaction processing pipeline. Regular bank accounts go through the standard bank transaction processing flow. This routing happens transparently based on your account configuration.

Statement Line Management#

Once imported, statement lines carry a reconciliation status that progresses through a defined lifecycle: unmatched, matched, excluded, or reconciled. You can search lines by description or reference, filter by status or date range, and aggregate totals by any grouping.

Lines can be matched to GL transactions (connecting bank activity to your accounting records), excluded when no GL posting is needed (such as interbank transfers already recorded), or left unmatched for investigation. Every status change is tracked for audit purposes.

Autonomous Processing#

For organizations with connected bank accounts, the bank transaction processor agent runs automatically. It categorizes incoming transactions, matches them to existing vendors and customers, creates GL entries for recognized patterns, and flags unusual activity for human review. Over time, the system learns your transaction patterns and handles an increasing percentage of bank statement lines without manual intervention.

This autonomous processing transforms bank statement management from a tedious manual reconciliation task into a review-and-confirm workflow where you verify the system's work rather than doing it from scratch.