Proprietary credit score
The credit risk of each drawee (customer) measured by the OBSERVED BEHAVIOR in your own operation — not a bureau, not a black box. Per drawee: the risk band (A–E) and the IFRS 9 decomposition — PD (probability of delay > 30 days), LGD (severity, % not recovered) and EAD (outstanding balance) — with…
The screen
The real screen, in the theme you picked above.
What you find on this screen
A portrait of the screen, read from the screen itself — it changes when the screen changes.
Available actions
Reconcile nowClose the dayAcceptRejectUndo settlement
The list shows
ScoreAmountWhy it matched (evidence)ActionsWhenTypePending itemDateDayReconciledPendingReconciled amount+1
Form fields
SituaçãoSe a sugestão está proposta, confirmada ou descartada. Só a confirmada baixou o título.
Grau de certezaQuanto o sistema confia no casamento. Score baixo pede conferência humana antes de confirmar.
ValorValor conciliado nesta sugestão. A soma da lista é quanto o conciliador já resolveu no recorte.
Motivo do casamentoPor que o sistema casou estes dois lançamentos, em uma linha. É o que se lê antes de aceitar.
Proposta emQuando a sugestão foi gerada.
Confirmada emQuando alguém confirmou a baixa. Vazio significa que a sugestão ainda espera decisão.
Start here
Conciliação com zero digitação
The agent matches the bank statement against the receivables and payables by amount + date + document and proposes each settlement with the EVIDENCE that supports it. What doesn't match is not silently discarded: it becomes a named pending item, with type and reason, and stays on screen until it is handled.
What this screen is
The Digital Reconciler console: import the statement (OFX/CSV), see the matches the agent PROPOSED with the evidence that supports them (accept or reject), the named pending items for what didn't match (they never disappear) and close the day with a signature (hash). The settlement only becomes immutable when you confirm. Amounts are masked for those who cannot view amounts.
How to
The main flow
Choose the bank account, import the statement (OFX or CSV) and click "Reconcile now". The proposed matches appear with score and reason; the pending items, right below. Accept or reject them one by one.
Score e evidência
The score measures the strength of the match and the evidence column says WHY it matched (exact amount, close date, same document). A high score with weak evidence does not exist here — the evidence is the explanation, not decoration.
Close the day
Seals the day's result with a hash (signature): how many reconciled, how many pending, total amount. The hash later proves that that day's result was not altered — the same logic as the sealed trail of the auditor's package.
Rules
A baixa só vira imutável quando VOCÊ aceita
The agent proposes, it never settles on its own. Accepting confirms the settlement — and then it is final, following the company's reconciliation standard (reconciled is immutable). Rejecting sends the transaction back for a new match or to pending. The authority is yours; the typing is what used to be his job.
Propor, aplicar e desfazer — o que cada um faz com o seu dinheiro
The agent PROPOSES the match between the statement entry and the receivable or payable; the proposal changes nothing. If you turn on the settlement power and the stage's level is set to EXECUTE, it APPLIES the settlement for the cases that fall within the approval limit — and that settlement can be reversed with one click as long as nobody confirms it. CONFIRMING is always human and makes the settlement immutable. If measuring the amount fails, nothing is executed: when in doubt, it proposes.
Como ler o cartão de uma conciliação proposta
The suggested action is what the agent would do. The analysis is the measured facts: identical amount, distance between the dates, document cited in the statement. The justification is the judgment about those facts — why they support (or barely support) that reconciliation. It is written by rule, from the score, and not by artificial intelligence: a nice text about a wrong decision is precisely what makes someone approve without checking. A high score with a same-day date is usually a formality; a borderline score means the agent proposed for lack of a better alternative, not because it is certain.
Frequently asked questions
Os valores aparecem como R$ ••••
Your profile does not have the "View Amounts" permission. The screen works normally — matches, pending items and closings appear — but the money amounts are masked. This is the central amounts governance, not a defect of the screen.
Which question this screen answers
Whether the statement matched your receivables and payables — and with what degree of certainty. The screen shows the matches the agent PROPOSED with the evidence that supports them (you accept or reject), the NAMED pending items for what didn't match (a pending item never disappears: it gets a name and a destination) and the day's closing with a signature (hash). And the central guarantee: the settlement only becomes immutable when YOU confirm — before that, everything is a reversible proposal.
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