Every workflow below is costing your finance or operations team real hours every single day.
AI matches bank transactions to ERP/accounting records automatically — 97%+ match rate, exceptions flagged with reasons, approved entries pushed back to QuickBooks, NetSuite, Sage, or custom ERP. Eliminating hours of daily manual matching.
ACH file generation (PPD, CCD, CTX, WEB, TEL), origination through bank APIs, return handling (R-codes), NOC processing, and NACHA validation. Integrates with Stripe, Plaid, Modern Treasury, Dwolla, or direct bank rails.
AI extracts structured transaction data (dates, amounts, counterparties, categories) from PDF bank statements — any US bank (Chase, BofA, Wells Fargo, Citi, SVB, and 500+). 97%+ accuracy. Used by lenders, accountants, and data platforms.
KYC/KYB identity verification workflows, OFAC/PEP/sanctions screening, AML transaction monitoring (rule-based + ML), SAR/CTR filing automation, and case management. Integration with Persona, Socure, LexisNexis, Onfido.
Plaid API integration (Auth, Transactions, Investments, Liabilities, Identity, Income), account aggregation, transaction enrichment, cash flow analysis, and real-time balance verification for lending, accounting, and fintech apps.
Custom loan origination system: application intake, bank statement + credit analysis AI, underwriting rules engine, decisioning, and loan management. For mortgage, personal loans, business lending, and BNPL — integrated with credit bureaus and banking APIs.
The most common fintech automation we build — here's the exact flow.
Bank Feed Ingest
Pulls transactions via Plaid, bank APIs, or CSV upload — normalized to common schema
ERP Pull
Fetches open invoices / journal entries from QuickBooks, NetSuite, Sage, or custom ERP
AI Matching
ML model matches transactions to invoices using amount, date, reference, and counterparty — 97%+ auto-match
Exception Queue
Unmatched transactions routed to human review queue with suggested matches and reason codes
Write-Back
Approved matches written back to ERP with journal entries, audit trail, and reconciliation report
Fixed price in USD. 60% less than US fintech teams. Full source code included.
ACH/NACHA payment integration, AI payment reconciliation, KYC/AML compliance automation, bank statement AI, Plaid/open banking integrations, lending/LOS software, AP/AR automation, treasury management tools, and payment infrastructure (Stripe, Adyen, Checkout.com).
AI payment reconciliation automatically matches bank transactions to ERP/accounting records using ML — achieving 95–99% auto-match rates. Unmatched items go to an exception queue. Approved matches write back to QuickBooks, NetSuite, or Sage. Eliminates hours of daily manual matching.
Yes. XPndAI builds integration layers for legacy core banking systems (Fiserv, Jack Henry, Temenos, FIS) — using SOAP/REST APIs, file-based integrations, and database connectors where direct APIs aren't available. We specialize in fintech legacy modernization.
60% less than equivalent US fintech development teams. A project that costs $150K–$200K with a US agency costs $50K–$80K at XPndAI, with the same deliverable quality. Fixed price — no hourly billing, no scope creep.
Walk us through the financial workflow your team is doing manually today. We'll scope it, give you a fixed-price estimate, and tell you what's realistic in 6–10 weeks.
Reply within 12 hours · Fixed-price projects · Source code yours