ReconcAI
ReconcAI
An intelligent automation platform that simplifies transaction matching, exception management, and audit-ready workflows for banks, merchants, and payment processors.
◆Merchant
✶Processor
⬢Bank
✦ReconcAI
◈Audit Hash
✹SLA Queue
◉Exception AI
⬡Settlement
AI Financial Operations Platform
Reconcile And
Manage Transactions
With Full Control
TranzactIQ is an intelligent financial operations platform for banks, NBFCs, fintechs, and enterprises. ReconcAI powers transaction reconciliation with intelligent matching, exception management, and immutable audit trails in one governed workflow.
The Problem
Finance teams are still stuck in 2003
Billions of transactions. Dozens of parties. One tool: Excel. Without a modern reconciliation platform, the cost is more than inefficiency. It leads to risk, regulatory exposure, and decisions based on inaccurate data.
2–5 DAYS
Manual reconciliation
Every month, finance teams spend 2–5 days managing multiple spreadsheets across departments, dealing with high error rates, no audit trail, and mismatches that delay financial reconciliation.
T+2
Settlement delays
T+2 remains the norm as manual workflows slow financial operations, leaving disputes unresolved, delaying payment reconciliation, and putting cash flow under pressure.
HIGH RISK
Regulatory exposure
Without a secure reconciliation platform, banking and financial services face incomplete audit trails, compliance gaps, and increasing regulatory risks.
Transforming Financial Reconciliation with AI-Powered Automation
Improve payment reconciliation, operational visibility, and audit readiness through one intelligent automation platform.
Real-time visibility
Complete Visibility Across Financial Operations
Monitor payment reconciliation, transaction workflows, and operational performance through one centralized platform.
Manual Effort Reduced
80%
AI Matching Speed
<3s
Audit trail
100%
Trust layer
On-chain
AI-Powered Reconciliation Engine
Built for banking and financial services. Every verified transaction is securely recorded to strengthen compliance, improve audit readiness, and build operational trust.
Immutable verification coverage100%
Up to
80%
reduction in manual reconciliation time through AI-powered reconciliation, intelligent matching, and blockchain-backed audit trails.
SettleIQ
Automate settlement orchestration with intelligent netting, multi-bank routing, and faster fund settlements for Banking and Financial Services.
ChargebackIQ
Automate chargeback management with intelligent evidence collection, dispute tracking, and faster resolution across payment ecosystems.
TxnAudit
Blockchain-Powered Immutable Audit Trail as a Service for banks, NBFCs, and fintechs, delivering tamper-proof audit records for every transaction to simplify regulatory compliance, strengthen internal audits, and support financial reporting.
LedgerSync
Automated multi-entity ledger reconciliation for banks, NBFCs, and enterprises to sync internal ledgers, identify intercompany mismatches, and improve financial accuracy.
ComplianceDesk
Automate RBI, SEBI, and FIU-IND regulatory reporting with AI-powered compliance automation. Generate SLR, CRR, LCR, CTR, and STR reports with deadline tracking and submission management.
Built for regulated Indian financial institutions
Designed for regulated banking with intelligent automation and trusted reconciliation.
Banks
Scheduled commercial, cooperative, and small finance banks. Nostro/Vostro reconciliation (MT940/CAMT.053), interbank dispute management, RTGS/NEFT/UPI operations, RBI audit-ready blockchain trail, and maker-checker workflow.
NBFCs
Lending, microfinance, and co-lending platforms. Loan disbursement reconciliation, NACH/EMI matching with bounce handling, co-lending exposure reconciliation, NPA tracking, and FLDG/credit guarantee claim support.
Payment Aggregators
PAs, PGs, and payment infrastructure platforms. Multi-merchant payment reconciliation, chargeback lifecycle management, gateway success monitoring, and dispute resolution with auto-evidence compilation.
Fintechs
Lending, BNPL, neobanks, and embedded finance. Compliance from day one, API-first architecture, white-label deployment options, and scale to millions of transactions.
Operational Context First
Built specifically for regulated Indian financial institutions to support real operational workflows, not as a generic fintech tool.
TranzactIQ Screens
Screen 01
Unified Transaction Dashboard
Monitor transaction flows from one centralized dashboard. ReconcAI validates incoming data, detects anomalies, and prepares records for faster reconciliation.
Screen 02
Intelligent Data Standardization
Convert transaction data into a consistent format with intelligent mapping. Validate timestamps, amounts, and reference fields for accurate financial reconciliation.
Screen 03
Operational Performance Insights
Monitor department performance with real-time operational insights to track exceptions, resolution times, and team productivity through intelligent workflow management.
Screen 04
Audit and Compliance Center
Verify immutable audit trails, review exception actions, and export compliance evidence for AI-powered reconciliation.
TranzactIQ market focus
Category-wise
Product Adoption
TranzactIQ is built for regulated financial institutions where a modern reconciliation platform simplifies compliance automation and high-volume transaction management.
35%
Banks
25%
NBFCs
15%
PAs/PGs
15%
FinTechs
10%
Co-lending
AI AGENT NETWORK
Every task powered by a dedicated AI agent.
TranzactIQ orchestrates specialized AI agents to power agentic financial operations, automating every stage of the reconciliation workflow with human oversight only when required.
1
Ingestion Agent
Parses and normalizes all incoming transaction data.
2,847
Files processed today
99.3%
Parse success rate
0.4s
Avg processing time
LIVE ACTIVITY LOG
Live15:24:47OKFalse positive cleared - different customer, coincidental amount
15:24:44WARNPotential duplicate: TXN-88829 and TXN-88791 - same amount, 4 min apart
15:24:42INFOVelocity check: Merchant MFC-M-2210 within normal range
15:24:39OKLast 120 transactions - no new anomalies
14:32:03WARNTXN-8817: Velocity - same merchant processed INR 85,000 in 4 min
14:31:55OKDuplicate scan batch 2401 - no duplicates detected
14:31:48WARNGhost tx: TXN-8802 in Merchant only - absent in Processor and Bank
CAPABILITIES
CSV parsingJSON normalizationXLSX ingestionSFTP pullMT940 parsingSchema mappingError flagging
2
Matching Agent
Automatically matches transactions across merchant, processor, and bank data while routing only exceptions for human review through intelligent transaction matching.
3,842
Records matched today
96.8%
3/3 auto-confirm rate
1.8s
Avg decision time
LIVE MATCH LOG
Live15:31:09OKTXN-89211: 3/3 exact match - INR 62,500 confirmed
15:31:06WARNTXN-89208: 2/3 match - timestamp drift 6 min, sent to review
15:31:03INFOScore engine stable - confidence median 0.94
15:30:59PROCFuzzy rule: ref/amount/date normalized for batch 2441
15:30:55OKTXN-89201: 3/3 settlement verified across Merchant/Processor/Bank
15:30:50WARNTXN-89198: processor fee mismatch flagged for analyst review
15:30:46OKAuto-confirm queue flushed - 128 records committed
3
Agent Network
Every task is handled by a dedicated AI agent, enabling agentic financial operations with human oversight only when required.
Agent Status Board
Ingestion AgentRunning
Matching AgentRunning
Anomaly Detection AgentRunning
Resolution Suggestion AgentQueued
Blockchain AgentRunning
Reporting AgentIdle
4
Blockchain Agent
Creates a cryptographic hash for every confirmed transaction using blockchain technology.
Live anchoring service for verified matches with blockchain verification and on-chain confirmation tracking for audit readiness.
Live Activity Log
15:25:00OKTXN-88832: 3/3 confirmed - INR 1,05,000 settlement verified
15:24:57WARNTXN-88831: 2/3 - timestamp delta 7 min, sent to review
15:24:54OKTXN-88830: 3/3 confirmed - INR 28,750 verified across all parties
14:32:09OKTXN-88821: 3/3 match confirmed - INR 47,500 verified across all parties
14:32:08OKTXN-88820: 3/3 match confirmed - INR 12,300 settlement verified
14:32:06WARNTXN-88819: 2/3 match - Party C INR 9,800 vs INR 10,000 (Party A & B)
14:32:04PROCFuzzy: INR 10,000.00 = INR10000 = 10,000 - same transaction confirmed
Powered by TranzactIQ agent network
Blockchain Layer
Truth That Can't Be Altered
Every confirmed transaction is secured using blockchain technology and written as an immutable SHA-256 hash, creating a tamper-proof audit trail that any auditor can independently verify. No trust required, just math.
Tamper-Proof Records
Every audit record is permanently secured with immutable protection, making unauthorized changes instantly detectable and fully traceable.
Regulatory-Grade Proof
Enable independent transaction verification with cryptographic proof, simplifying audits, compliance checks, and regulatory investigations.
Your Chain, Your Choice
Deploy on Polygon for cost efficiency, Ethereum for maximum trust, or Hyperledger Besu for private deployments with flexible blockchain infrastructure.
FAQ
Frequently Asked
Questions
No. TranzactIQ supports guided onboarding for schemas, rules, and reconciliation policies.
Yes. It is built for banks, NBFCs, payment aggregators, and fintech operations.
Yes. You can connect through CSV, JSON, XLSX, API webhooks, or SFTP.
Yes. Confirmed records are hashed and anchored on blockchain for auditor verification.