bank statement reconciliation derived

{
  "input": {
    "body": {
      "ledger": [
        {
          "date": "2026-09-02",
          "amount": "-120.51",
          "reference": "DD-ENERGY-09"
        },
        {
          "date": "2026-09-13",
          "amount": "500.00",
          "reference": "INV-2001"
        },
        {
          "date": "2026-09-10",
          "amount": "-75.00",
          "reference": "EXP-4410"
        },
        {
          "date": "2026-09-09",
          "amount": "-14.49"
        }
      ],
      "statement": [
        {
          "date": "2026-09-02",
          "amount": "-120.50",
          "reference": "DD-ENERGY-09"
        },
        {
          "date": "2026-09-05",
          "amount": "500.00",
          "reference": "INV-2001"
        },
        {
          "date": "2026-09-09",
          "amount": "-14.49"
        },
        {
          "date": "2026-09-20",
          "amount": "-100.00",
          "reference": "DD-ENERGY-10"
        }
      ],
      "closing_balance": "1265.00",
      "opening_balance": "1000.00",
      "date_tolerance_days": 2
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "type": "json",
    "example": {
      "limits": {
        "maxEntries": 20000,
        "maxAccounts": 5000,
        "maxFindings": 500,
        "maxLinesPerEntry": 500,
        "maxStatementLines": 20000
      },
      "passed": false,
      "matches": [
        {
          "reference": "DD-ENERGY-09",
          "days_apart": 0,
          "matched_on": "reference",
          "ledger_amount": "-120.51",
          "statement_amount": "-120.5"
        },
        {
          "reference": "INV-2001",
          "days_apart": 8,
          "matched_on": "reference",
          "ledger_amount": "500",
          "statement_amount": "500"
        },
        {
          "reference": null,
          "days_apart": 0,
          "matched_on": "amount and date",
          "ledger_amount": "-14.49",
          "statement_amount": "-14.49"
        }
      ],
      "complete": true,
      "findings": [
        {
          "code": "AMOUNT_DIFFERS_FOR_MATCHED_REFERENCE",
          "detail": "Reference DD-ENERGY-09 is -120.5 on the statement and -120.51 in the ledger, out by exactly 0.01.",
          "reference": "DD-ENERGY-09"
        },
        {
          "code": "MATCHED_REFERENCE_OUTSIDE_DATE_WINDOW",
          "detail": "Reference INV-2001 is dated 2026-09-05 on the statement and 2026-09-13 in the ledger, 8 days apart, beyond the 2-day window.",
          "reference": "INV-2001"
        },
        {
          "code": "STATEMENT_LINE_UNMATCHED",
          "detail": "A statement line of -100 dated 2026-09-20 with reference DD-ENERGY-10 has no counterpart in the ledger, so money moved in the bank and not in the books.",
          "reference": "DD-ENERGY-10"
        }
      ],
      "difference": "-24.99",
      "reconciled": false,
      "request_id": "example-request",
      "service_id": "bank_statement_reconciliation",
      "assumptions": [
        "References are matched before amounts, because a reference is an identity and an amount is not. Matching on amount first would pair two unrelated lines that happen to agree and then report the real pa...",
        "A reference match is reported even when the amount or the date disagrees, with the exact difference, rather than being discarded as a non-match. A reference that matches with the wrong amount is a mor...",
        "Amount matching is exact, so two lines agree only if they agree to the last place. A date window is permitted and is published, since settlement lags posting."
      ],
      "limitations": [
        "Whether the two sets of lines supplied correspond. Not an audit opinion: whether a movement is properly recorded, authorised or classified is outside this.",
        "reconciled is true only when every line on both sides matched, every matched pair agreed, and every check the caller asked for was performed."
      ],
      "observed_at": "2026-10-02T00:00:00.000Z",
      "ledger_total": "290",
      "not_examined": [],
      "finding_count": 5,
      "matched_count": 3,
      "service_version": "1.0.0",
      "statement_total": "265.01",
      "findings_by_code": {
        "LEDGER_LINE_UNMATCHED": 1,
        "STATEMENT_DOES_NOT_FOOT": 1,
        "STATEMENT_LINE_UNMATCHED": 1,
        "AMOUNT_DIFFERS_FOR_MATCHED_REFERENCE": 1,
        "MATCHED_REFERENCE_OUTSIDE_DATE_WINDOW": 1
      },
      "ledger_line_count": 4,
      "date_tolerance_days": 2,
      "statement_line_count": 4,
      "unmatched_ledger_count": 1,
      "unmatched_statement_count": 1
    }
  }
}