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The Explainable AI Ledger

Agents keep the books inside your ERP, and every entry shows its working: the evidence it used, the rule it applied, and who signed it off.

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Ledger›General Ledger
TH
TINA HUDSON001 TECHNOLOGIES
General Ledger
JournalDateEntityGL CodeGL AccountDescriptionTypeCCYDebitCreditStatus
JE-20231001-001
2024-10-01
001 Tech
1100-1001
Cash & Equiv
SEPA inbound — Acme Corp
Cash
EUR
€85,000.00
—
Reconciled
JE-20231001-002
2024-10-01
001 Tech
1200-2001
Accts Receivable
AR settlement — INV-4421
Cash
EUR
—
€85,000.00
Reconciled
JE-20231002-001
2024-10-02
002 Tech
2100-1001
Accts Payable
SWIFT out — Globex PO-8812
Cash
GBP
—
£150,000.00
Posted
JE-20231002-002
2024-10-02
002 Tech
1100-1002
Cash & Equiv
Cash outflow — Globex batch
Cash
GBP
£150,000.00
—
Posted
JE-20231003-001
2024-10-03
003 Tech
1100-3001
Cash & Equiv
Wire in — IC loan from IHB
IC Loan
USD
$500,000.00
—
Reconciled
JE-20231003-002
2024-10-03
IHB
1300-9001
IC Receivable
IC loan — Facility ICL-0034
IC Loan
USD
$500,000.00
—
Reconciled
JE-20231004-001
2024-10-04
001 Tech
1100-1003
Money Mkt Fund
MMF sub — Overnight sweep
MMF
EUR
€2,000,000.00
—
Confirmed
JE-20231004-002
2024-10-04
001 Tech
1100-1001
Cash & Equiv
Sweep — To MMF subscription
Cash
EUR
—
€2,000,000.00
Confirmed
JE-20231005-001
2024-10-05
004 Tech
4100-1001
FX Gain/Loss
FX reval — EUR/USD MTM
FX
USD
—
$34,200.00
Posted
JE-20231005-002
2024-10-05
005 Tech
1100-5001
Cash & Equiv
Wire in — Customer batch
Cash
USD
$245,000.00
—
Pending
JE-20231006-001
2024-10-06
002 Tech
3200-2001
Interest Expense
Q4 interest — Revolver
Debt
GBP
£18,750.00
—
Posted
JE-20231006-002
2024-10-06
001 Tech
1100-1004
Cash & Equiv
SEPA out — Payroll Oct
Cash
EUR
—
€890,000.00
Reconciled
JE-20231007-001
2024-10-07
IHB
1100-9002
Cash Pool Master
Physical sweep — EOD conc.
Cash Pool
EUR
€1,450,000.00
—
Confirmed
JE-20231007-002
2024-10-07
003 Tech
2200-3001
Accrued Liabilities
Accrual — Tax provision Q4
Accrual
USD
—
$175,000.00
Pending

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Ledgers, Explained by Agents.

Ledgers is the AI ledger of the Ledgers domain. Agents match, code, and post inside your ERP — and record the reasoning on every line, so anyone can ask why.

The product lives in

Ledgers

Explore domain

An agentic ledger that matches, posts, and closes continuously — exceptions are all that reach a human.

The agents that do the work here3 agents
  1. 01

    Reconciliation Agent

    Matches everything, and shows its working
    • Matches bank, ERP, and subledger lines as they arrive
    • Writes the evidence, rule, and confidence onto each posting
    • Explains every unmatched item with its likely causes
    Meet the agent
  2. 02

    Policy Enforcer Agent

    Keeps every entry inside policy, visibly
    • Routes write-offs and manual journals above threshold for approval
    • Enforces segregation of duties and records who signed what
    • Logs the basis of every control decision for audit
    Meet the agent
  3. 03

    Reporting Agent

    Answers questions from the lines
    • Answers plain-language questions with the postings behind them
    • Drafts flux commentary from explained variances
    • Produces audit-ready trails without a PBC list
    Meet the agent

An AI Ledger, Not a Faster Spreadsheet

Every Line Carries Its Reasoning

EVIDENCEMatches You Can Read

Each bank line is matched with the invoice, counterparty, and rule shown beside it — a reason, not a tick box.

Match Engine · LiveBank ↔ ERP auto-reconciliation
96.4%
WIRE IN · $84,200.00INV-4471 · Acme Corp
matching…
ACH OUT · $12,750.00PO-8812 · Vertex Supply
queued
FX SETTLE · €45,000.00FX-2209 · EUR hedge
queued
LOCKBOX · $9,318.40INV-4502 · Nordic AB
queued
CONFIDENCECoding That Shows Its Working

Agents apply the GL code and show why: the pattern it matched, how sure it is, and what it would take to change its mind.

Auto-Coding · GL Suggestions0 / 4 coded
Monthly account charge$142.50
suggesting code…
SWIFT wire commission$38.00
uncoded
Term deposit interest$4,812.20
uncoded
EUR/USD revaluation$1,204.11
uncoded
ASKQuestion Any Number

Ask the ledger in plain language and get the answer with the lines behind it — no extracts, no report requests, no guessing.

›|
Entity
ItemsAmount
US Corp
3 items$142.5K
UK Ltd
1 item$38.2K
EU GmbH
2 items€61.0K
listening…
LEARNINGLearns in the Open

Every correction becomes a rule you can see. The ledger tells you what it learned, so it gets more accurate and more legible together.

Match Learning Engine
89% accuracy
Amount ± 0.5%Amount
94%
Bank Statement→ERP Invoice
1,842 matches
Reference FuzzyReference
87%
MT940→Journal Entry
956 matches
Date ± 2 DaysValue Date
91%
CAMT.053→Subledger
2,104 matches
Counterparty MapPayee Name
78%
Payment File→Vendor Master
634 matches
Multi-Field CompositeAmt + Ref + Date
96%
Bank + ERP→GL Posting
3,210 matches
8,746 total matches learnedModel v3.2 • Retraining daily
ANOMALIESFlagged, With the Reason

Duplicates and outliers surface with the comparison that caught them, so review starts from the evidence rather than a red flag.

Scanning Transactions…0 scanned · 0 flagged
ACH batch · $22,410.00
scanning…
Wire · $84,200.00
queued
Vendor pmt · $12,750.00
queued
Card settle · $3,908.14
queued
Wire · $310,000.00
queued

YourERPstaysthesystemofrecord.Bond’sagentskeepit—andeverylinetheytouchcanbeaskedwhy,andanswerswiththeevidence.

EXPLAINABLE BY DESIGN

Ask Any Line Why. It Answers.

Why did this post to receivables?
JE-0812 · €85,000.00TRACING
SourceJPM ··7859 · stmt line 2,114 · €85,000.00
Matched—
Coded—
Rule—
Posted—
Approval—
1 of 6 stepsReading the entry…

Every Entry Carries Its Reasoning.

Open a posting and read how it got there: the source line, the match, the code and its confidence, the rule applied, and who signed it off.

LEDGERLISTENING
Answers come from the lines

Questions Answered From the Lines.

Ask the ledger in plain language. The answer comes with the postings behind it, so a number is never just a number.

Audit trail · written as it happens
EVERY ACTION18,403 ENTRIES
Reconciliation Agentbasis · R-118
matched JPM line → INV-4421
100% of postings traceableNothing prepared for audit

The Audit Trail Writes Itself.

Agents and people act on the same ledger, and every action is logged with its basis as it happens. Audit reads; nobody prepares.

WHAT EXPLAINABILITY CHANGES

Review Becomes Reading, Not Re-Performing.

01

For controllers.

You stop re-doing the agent’s work to trust it. The reasoning is on the entry, so review is reading the explanation and signing — or overruling it with one click.

JE-0812 read in 4s · signed · 0 re-performed
02

For auditors.

Sampling and PBC lists give way to a ledger that can be asked directly. Every balance traces to its lines, every line to its evidence, rule, and approver.

auditor: show me every write-off over €1k in Q4 → 11 lines · each with approver
03

For the agents.

The explanation an agent writes is also what it learns from. When you correct it you can see the rule you changed — so accuracy and legibility improve together.

overruled 6200-0010 → rule R-131 created · applied to 38 priors
Built on the Bond agent architectureOne agent architecture across every Bond domain — one loop, shared memory, a basis on every action.
Inside the architecture →

A Ledger You Can Question

AGENTS KEEP THE BOOKS. EVERY LINE SHOWS ITS WORKING.

Agents match, code, and post inside your ERP and write the reasoning onto every entry — the evidence used, the rule applied, the confidence, and the approver. Your team reads and signs instead of re-performing.

Evidence
On Every Match

Each bank line matched with the invoice, counterparty, and rule shown beside it.

Confidence
On Every Code

GL codes applied with the pattern matched and how sure the agent is — visible, not hidden.

Basis
On Every Journal

Accruals, reval, and eliminations posted with the schedule or policy that drove them.

Ask
Any Number, Any Line

Plain-language questions answered from the postings themselves, lines cited.

Learn
Rules You Can See

Every correction becomes a named rule, so you can read what the ledger learned and why.

Trail
Audit, Written Live

Every action by agents and people logged with its basis — inside SAP, Oracle, NetSuite, and more.

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Trusted by Global Leaders

DON'T TAKE OUR WORD FOR IT

Trusted by global enterprises and critical national infrastructure alike. Bond handles it all, getting smarter with every cycle.

"Bond saves us hours every day. Its AI identifies trapped liquidity then plans the most optimal route to generate more revenue."

Alinda Van Wyk, CFO

100s m

Liquidity Unlocked

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The Shell and Equinor JV, Adura, rolled out Bond's full AI system to future-proof their finance and treasury operations.

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"Bond was clearly more advanced than other vendors during the RFP process and has transformed our operations with it's AI-powered solutions."

Rajiv Parmar, Treasurer

$150m

Liquidity Managed

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BOOK A DEMO

Ready for a ledger you can question?

See how Bond can transform your finance operations with AI automation, ROI delivery, and intelligent decision-making.

Book Demo
$1B+

Liquidity Unlocked

$100M+

Extra Revenue Generated

1,000+

Risk Incidents Mitigated

$36.5B+

Investment Volume Annually

$1T+

Transactions Processed

$50B+

Managed Daily

FAQs

Your questions, answered.

Automation applies fixed rules and leaves you to work out why something posted the way it did. An AI ledger reasons about each entry — which document it belongs to, which account it should hit, whether it looks like anything it has seen before — and records that reasoning with the entry. The result is a set of books where every line can be asked “why?” and answers with its evidence, its rule, and its approver.
Every action an agent takes on the ledger is stored with its basis: the source lines it read, the match or coding rule it applied, the confidence it had, and the person who approved it where approval was required. You can open any posting and read that trail, ask the ledger a question in plain language and get the lines behind the answer, and hand an auditor the same view without preparing a thing.
No. Agents work inside the systems you already run — SAP, Oracle, NetSuite, Dynamics, and more — reading and posting through standard integrations. Your ERP stays the system of record; Bond adds the reasoning layer that keeps it current and explains it.
Review gets faster, because controllers read an explanation instead of re-performing the work. Corrections get sharper, because when you overrule an agent you can see exactly which rule it applied and fix that rule. And the agents themselves improve, because every explanation they write is also what they learn from — so the ledger gets more accurate and more legible at the same time.

System of Action

DO BETTER THAN STATIC DASHBOARDS

Bond's AI intelligence layer turns static data into intelligence that doesn't just inform work - it does it.

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