Continuously reconciles value movement across accounts, rails, and systems (banks, custodians, processors, tokenized rails), producing provable, auditable truth for finance teams—without replacing human approvals or core systems.
Purpose
Prepare reconciled truth: matched movements, timing differences, and real mismatches—then package evidence so humans can sign off.
Hard boundaries (non-negotiable)
The TRA never moves funds, executes trades, modifies ledgers, approves accounting decisions, or provides legal/tax advice. It prepares evidence; humans own decisions.
Inputs & Outputs
| Inputs (read-only) | Outputs (proof artifacts) |
|---|---|
|
Authoritative ledgers (bank statements, custodian reports, ERP exports) Event streams (payments, settlements, transfer logs) Reference data (chart of accounts, FX rates, cutoff rules) Policies (tolerances, thresholds, approval chains) |
Reconciliation report (matched/unmatched/timing) Exception queue + root-cause hypotheses Audit packet (hashes, timestamps, source references) Management summary (risk, exposure, trend deltas) |
Core workflow
Ingest → Normalize → Match → Classify differences → Explain with evidence → Queue exceptions → Package audit artifacts.
Human-in-the-loop
People approve tolerances, resolve exceptions, sign reconciliations, and escalate anomalies. The agent reduces manual comparison work—not responsibility.
Risk & failure modes
Late feeds flagged as timing differences. Schema drift handled via versioned adapters + alerts. Partial outages degrade gracefully. No silent failures.
Compliance posture
Immutable logs (hash-linked), source traceability per line item, deterministic reruns, and preserved separation of duties. Built to support SOX-style controls without claiming certification.
Buyers ask for proof. Partners need repeatability. The TRA ships with a standard evidence package:
Proof pack checklist
Sample reconciliation pack • Exception taxonomy • Control boundary matrix • Operator runbook • Incident response playbook.
Certification scope
Operator: interpret + run outputs. Partner: integrate + tune. Enterprise: environment-scoped deployments.