Settlement reconciliation that explains itself.

$44.4B

Every processor settles on its own calendar. A sale closes Friday, the payout lands Tuesday, the ledger entry sits somewhere in between — and the same transaction is in three periods at once, depending on which system you ask.

Interchange, scheme, and processor fees are netted at rates that move. Cross-border sales settle at a rate nobody quoted you. The gross never equals the deposit, and the difference is never one clean number you can journal.

Reversals arrive weeks after the sale, netted into an unrelated payout, against an order that already closed. By the time the offset shows up, the period it belongs to is shut.

Each of those becomes a line someone chases by hand. Close slips a day, then three. The exceptions nobody had time to chase quietly become write-offs — and nobody can say later why.

Processor payout reports, gateway exports, bank statements, and your ledger — in whatever shape each vendor emits them. Sovyr normalizes them onto one transaction spine: same currency basis, same date basis, same identifiers. No CSV cleanup on your side.

Rules settle everything rules can settle — amounts, references, dates, fee arithmetic. What survives that pass becomes the exception queue, and only there does AI read anything: it states what it believes happened to each unmatched item, and shows the source rows it read to get there.

The queue arrives reviewed, ranked, and evidenced — each exception with a proposed treatment a person can accept, edit, or reject. A human approves every entry that reaches your ledger. Sovyr has no path that writes around them.

Amount, date, reference, and fee arithmetic are matched by rules — auditable, repeatable, identical on every run. The AI never touches a transaction a rule already settled, so the bulk of your volume is reconciled by arithmetic, not inference.

The model's entire working surface is the residue the rules could not clear. It cannot reclassify a matched transaction, adjust a settled figure, or reopen a closed period — those rows are never in front of it.

No explanation ships without the underlying records attached — this payout line, that ledger entry, this fee schedule. A reviewer verifies the claim against the evidence in seconds instead of taking it on faith.

Sovyr proposes journal entries; a person accepts them. There is no autonomous write path into your ledger, no confidence threshold above which it acts alone, and no setting that turns the gate off.

Every match, suggestion, approval, edit, and override is recorded with who, when, on what evidence, and under which rule version. When an auditor asks why a number is what it is, the answer is a record, not a reconstruction.