ReconcAI
ReconcAI
Multi-party reconciliation across Merchant, Processor, and Bank data. Auto-confirm matches, route mismatches to human review, and anchor every decision with an immutable blockchain hash.
AI + BLOCKCHAIN FOR FINANCIAL OPERATIONSTHE INTELLIGENCE LAYER
TranzactIQ for every transaction
◆Merchant
✶Processor
⬢Bank
✦ReconcAI
◈Audit Hash
✹SLA Queue
◉Exception AI
⬡Settlement
About TranzactIQ
Send Reconcile And
Manage Transactions
With Full Control
TranzactIQ powers transaction operations for banks and NBFCs. ReconcAI unifies matching, exception routing, and immutable audit proof into one explainable workflow.
The Problem
Finance teams are still stuck in 2003
Billions of transactions. Dozens of parties. One tool - Excel. The cost of this is not just inefficiency. It is risk, regulatory exposure, and decisions made on wrong data.
2–5 DAYS
Manual reconciliation
2-5 days every month. Multiple spreadsheets across teams. High error rate. Zero audit trail. A single mismatch takes hours to investigate.
T+2
Settlement delays
T+2 is the norm. Disputes sit unresolved for days. Chargeback deadlines are missed. Cash flow suffers because operations cannot keep up.
HIGH RISK
Regulatory exposure
No immutable records. Audit trails can be modified. RBI and internal auditors find gaps. The risk is not theoretical - it is a matter of when.
TranzactIQ impact across transaction operations
Measure reconciliation speed, exception control, and audit readiness with one unified operating layer.
Operations visibility
Live monitoring for every flow
Unified dashboards for ingestion, normalization, reconciliation, and manual review in one place.
Manual effort reduced
80%
Auto-match speed
<3s
Audit trail
100%
Trust layer
On-chain
Regulator-grade confidence
Confirmed transactions are hashed on blockchain, giving immutable proof for RBI and internal audit workflows.
Immutable verification coverage100%
Up to
80%
Reduction in manual reconciliation time with AI-assisted matching, exception-first workflows, and blockchain-backed audit proof.
SettleIQ
Smart settlement orchestration: intelligent netting, multi-bank settlement routing, and least-cost path selection for high-volume daily settlements.
ChargebackIQ
Dispute & chargeback management: auto-compiles evidence packs, tracks the 20-day response window, manages reason codes, and predicts win probability.
TxnAudit
Immutable audit trail as a service. Any bank, NBFC, or fintech plugs in—and every transaction gets blockchain-backed audit proof for RBI/SEBI and internal compliance.
LedgerSync
Multi-entity ledger reconciliation for co-lending, holding structures, and subsidiaries. Sync internal ledgers and automatically flag intercompany mismatches.
ComplianceDesk
Automated regulatory reporting for RBI, SEBI, and FIU-IND. Generate required formats (SLR, CRR, LCR, CTR, STR) with deadline tracking and submission management.
Built for regulated Indian financial institutions
Purpose-built for the operational reality of regulated Indian financial institutions.
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 settlement 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
Not a generic fintech tool. Built specifically for regulated Indian financial institutions and their real operational workflows.
TranzactIQ Screens
Screen 01
Transaction Intelligence overview
Track multi-party inflows in one live view. ReconAI validates file-level inputs, highlights anomalies, and prepares records for matching.
Screen 02
Normalization & Mapping
Resolve schema drift with guided mapping. Timestamp, amount, and reference transformations are applied with transparent audit trace.
Screen 03
Departmental Insights
View aggregated performance by department. Monitor exception rates, resolution times, and team efficiency metrics.
Screen 04
Trust & Compliance
Verify immutable decision trails, review exception actions, and export compliance evidence across reconciliation cycles.
TranzactIQ market focus
Category-wise
Product Adoption
TranzactIQ is built for regulated financial operations. Adoption is strongest where transaction volumes, compliance pressure, and reconciliation complexity are highest.
35%
Banks
25%
NBFCs
15%
PAs/PGs
15%
FinTechs
10%
Co-lending
AI AGENT NETWORK
Every task, automated by a dedicated agent
TranzactIQ runs a network of specialized AI agents—each owning one job, running at machine speed, and handing off to the next. No human in the loop unless a decision genuinely needs one.
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
Matches transactions across Merchant, Processor, and Bank data—auto-confirming matches and routing mismatches to human review.
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 agent. No human in the loop unless a decision genuinely needs one.
Agent Status Board
Ingestion AgentRunning
Matching AgentRunning
Anomaly Detection AgentRunning
Resolution Suggestion AgentQueued
Blockchain AgentRunning
Reporting AgentIdle
4
Blockchain Agent
BLOCKCHAIN AGENT
Writes immutable hash for every confirmed transaction on-chain
Live anchoring service for verified matches with on-chain confirmation tracking and audit verification 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 written to blockchain as an immutable SHA-256 hash. Any auditor can independently verify it - no trust required, just math.
Tamper-proof records
Once confirmed and hashed, no one - not your team, not us - can modify the record without the mismatch being immediately detectable.
Regulator-grade proof
RBI and internal auditors can independently verify any transaction by hashing the data and checking against the on-chain record. No intermediary.
Your chain, your choice
Polygon for cost-efficiency. Ethereum for maximum trust. Hyperledger Besu for private deployments. Configured per client - zero lock-in.
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.