Every Bank Account Reconciled to 0.00, Before Your Controller Opens the File
Agents sign in to your bank and card portals, pull the statement rather than just the feed, match cash against NetSuite or QuickBooks line by line, and hand your reviewer a two-sided reconciliation where every item traces back to a statement line.
How bank reconciliation runs today.
Cash sits across a couple of dozen accounts: the operating and payroll accounts at the large bank, a sweep account, a lender's portal, a credit union, two card programs, Stripe, and a merchant processor per location. Every one of them has its own login.
The first two days of the month go to retrieval. Someone downloads what the feed reaches and logs in by hand for the rest, one portal at a time, chasing the account that needs a token from a person on leave.
Matching happens in a workbook that has been a living document for ten years. The exact matches clear themselves. What is left is the deposit that settles eleven invoices, the POS batch that lands as one line, and an outstanding check list whose oldest items are from March.
The difference gets to a number small enough to live with, someone writes a note, and the rec is signed. The reconciliations end up a month or two behind the books.
Cash is the last thing the business hears about, instead of the first.
From Statement to Certification
Reconcile Cash Daily Without Another Hiring Cycle
Stop Running Behind
Agents retrieve and match overnight, so a backlog that sat a month behind the books becomes a queue of exceptions in the morning, and the close starts reconciled.
Improve Accuracy
Nothing is plugged, every figure ties to a statement line, and a checker agent rebuilds the rec before a reviewer opens it, so senior time goes to judgment instead of arithmetic.
Standardize Method
The same tie-out method, tolerance rules, and documentation apply to every account and every entity, whoever prepares the file, which takes the method out of one person's head and puts it in the file.
Bank Credentials and Statements That Never Leave Your Environment
Your financial data does not leave your environment.
Run Adopt in our cloud on an isolated tenant, inside your own VPC, or fully on-prem, so the first question your security team asks has a one-word answer. Agents inherit the permissions of the systems they work in through least-privilege service accounts: they see what your team can see and nothing more.
Certified, and still yours.
SOC 2 Type 2, ISO 27001, GDPR, and HIPAA. Zero-data-retention agreements with the model providers, no training on your data, and your choice of model, including your own keys. Every run is logged step by step, so your auditors can read what the agent did and not just what it produced. All agents, skills, and decision logic are your intellectual property.
- SOC 2 Type 2
- ISO 27001
- GDPR
- HIPAA
SOC 2 Type 2 · ISO 27001 · GDPR · HIPAA
See our security practicesWe Build It With Your Team, Not For Them
Your controllers define what done looks like, your finance systems or IT lead owns the connections, and a forward-deployed engineer from Adopt builds alongside them, starting from your process docs or a screen recording of how the work is done today. Skills are written in the same open format as Claude skills and move in and out of Adopt freely. The agents are your IP when the engagement ends. If you are already building on Copilot, Power Automate, or a Claude key, that is a reason to talk rather than a reason to decline. What you have built comes with you. What we add is the finance-specific skills, the connectors to systems without APIs, and the checker layer you would otherwise write and maintain yourselves. A prior RPA vendor sold you automation the vendor owned. We build capability you own, in open standards, so you are never one acquisition away from starting over.
See how co-build worksBank Reconciliation Touches Every Account You Hold Cash In
Agents work against systems with no API by operating the interface the way a person does, so bank portals and legacy software are in scope.
QuickBooks
QuickBooks is a cloud-based accounting platform that enables businesses to manage finances, track income and expenses, and gain real-time insights into their financial performance.
Sage Intacct
A cloud-based accounting and financial management solution by Sage Group that helps businesses automate finances, reporting, and compliance.
NetSuite
NetSuite — A cloud-based ERP platform by Oracle that helps businesses manage finance, operations, CRM, and e-commerce in a unified system.
Microsoft Dynamics 365
A cloud-based suite combining ERP and CRM to manage finance, operations, sales, and customer service
Ramp
Spend management platform combining cards, expense tracking, and automation.
Brex
Corporate cards and spend management platform for startups and enterprises.
Stripe
A payment infrastructure platform for processing online payments and financial operations.- See all integrations
FAQs
Whatever you already run. Agents read and write NetSuite, QuickBooks, Sage Intacct, and Dynamics 365 directly, connect to the banks and cards an aggregator covers, and where a system has no API, including many bank, vendor, and payroll portals, they operate the interface the way a person does. There is no data warehouse to build first and no new system of record.
Where you decide. Run Adopt in our cloud on an isolated tenant, in your own VPC, or fully on-prem, so nothing has to leave your environment. SOC 2 Type 2, ISO 27001, GDPR, and HIPAA, with zero-data-retention agreements with the model providers, no training on your data, and your choice of model. Agents inherit the permissions of the systems they work in, so they see what your team can see.
Read access to statements and transaction detail, and nothing beyond it. Agents connect through least-privilege, read-scoped service accounts. Agents never hold payment initiation, wire, or transfer rights, and payment release stays a human action in your banking platform every time. Credentials sit in your environment under your controls, and every session is logged step by step.
No, and this is usually the part that decides it. Where a feed exists it is used. Where it does not, which is the regional bank, the credit union, the lender portal, and the processor that publishes nothing, agents sign in the way your staff does and pull the statement. Coverage is not limited to who publishes an API.
The residual, which is where the time goes. Rules clear the exact matches. What they leave is the deposit that settles eleven invoices, the POS batch that settles as one, the hand-typed wire reference, the short pay, and the outstanding check list nobody ages. Agents reason through those and post the result back into the same ledger, so the rules you have keep working.
The language model does not produce the numbers. It writes the extraction and matching code, which your team can read, and the arithmetic runs in that code. A checker agent then rebuilds the rec from item-level detail, runs a 100-point validation, and audits a 5% sample before your reviewer opens it. Nothing is plugged: what cannot be explained arrives as an exception.
The honest test is a back-test. Run the month you just reconciled through the agents, in your environment, and compare line by line before anything touches production. Where it is weakest: deposits with no reference and no remittance, opening balances that were never clean, and accounts with no history yet. Those arrive as exceptions rather than matches.
You could, and the easy half probably already is. What you would be writing and maintaining yourselves is the finance-specific skills, the connectors to systems without APIs, the checker layer, and a review workflow that more than one person can work in, then rebuilding them each time an interface changes. If you leave, you already own it: all agents, skills, and decision logic are your IP, in the same open format as Claude skills, on any model and any infrastructure. If you have an internal effort underway, we co-build with your team.
Your Team Reviews the Reconciliation.
They Stop Producing It.
Start on the month you just closed, in your own environment, with success criteria agreed up front. The first month is on us, and terms get reassessed against measured results before anything scales.