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Statement Reconciliation
x402
Statement Reconciliation is a paid API for AI agents from api.zfinia.com, paid per call via x402, $0.24/call, status unknown (last checked 2026-10-10).
Match bank statement lines against ledger lines by reference first, then amount, reporting exact differences for mismatches and validating balance consistency.
Price / call$0.24
Success—
StatusUnknown
How this service works
Match bank statement lines against ledger lines. References are matched before amounts, because a reference is an identity and an amount is not: matching on amount first pairs two unrelated lines that happen to agree and reports the real pair as unmatched. A reference match with a disagreeing amount or date is reported with the exact difference rather than discarded. With both balances supplied, the statement is also checked for agreeing with itself.
Output
The endpoint returns matched pairs of statement and ledger lines (matched by reference first, then amount), unmatched lines from either side, and for reference-matched pairs with disagreeing amounts or dates, the exact numerical and date differences. If opening and closing balances are provided, it also checks whether the statement internally agrees with those balances.
Example use cases
Month-end bank reconciliation
“It's month-end and I need to reconcile our bank statement against the general ledger. The opening balance was $50,000 and the closing was $47,320.10. Here are both sets of lines — can you match them up, flag anything that doesn't pair, and tell me the exact difference wherever a reference matches but the amount doesn't?”
Detecting duplicate or misposted payments
“I think some payments in our ledger were posted twice or to the wrong amount. Can you match this bank statement against our ledger entries and show me every case where a reference matched but the amount or date is off, along with the exact difference?”
Automated daily transaction matching
“Run a daily reconciliation for me: here are today's bank statement lines and today's ledger entries — match them by reference first, then flag anything unmatched or where amounts disagree, and report the precise differences.”
Technical details
Endpoint
POSThttps://api.zfinia.com/x402/v1/bank-statement-reconciliation?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need reference-priority reconciliation logic that correctly pairs transactions by identity before falling back to amount matching, and when you need exact difference reporting for partial matches rather than binary matched/unmatched outcomes. It also validates internal statement balance consistency when opening and closing balances are supplied — making it suitable for both transaction-level matching and statement-level auditing in one call.
Side effects
- Missing required 'date' or 'amount' fields on any line — request rejected with validation error
- Ledger or statement arrays empty or exceeding 20,000 items — rejected
- Invalid date format causing parse failure
- Amount values that cannot be interpreted as numbers — parse error
- Payment failure or insufficient USDC balance — 402 response with no reconciliation performed
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| ledger | array | |
| statement | array | |
| closing_balance | — | |
| opening_balance | — | |
| date_tolerance_days | integer |
Tags
x402
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