Agentic AI · Built for Finance Teams

Reconcile with certainty.
Operate with control.

OneCap is the financial integrity layer that keeps your ERPs, marketplaces, payment channels and banks in sync — so your records are accurate, audit-ready and decision-ready, always.

Chosen by teams who care about financial accuracy

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The Platform

The agentic AI reconciliation backbone of modern finance

All reconciliation use cases

A/R, A/P, bank, gateway, ledger and inter-company reconciliations — unified in a single platform.

Balance confirmation

One structured, governed system of record — eliminating email threads and parallel processes.

AI-first, not AI-added

Intelligent matching, exception detection and continuous learning embedded in the architecture.

Audit-ready

Structured logs, complete traceability and transparent reconciliation histories, built for scrutiny.

The Product

Comprehensive reconciliation, end to end

Operations that run themselves. No developers, no manual workarounds — even for complex pricing and settlement logic.

01 — FORMAT AGNOSTIC

Works with your existing ERP and accounting stack

  • Compatible with every ERP. Ingests data from ERP systems, accounting tools and custom exports — no process changes required.
  • Every financial data format. Bank statements, GL extracts, subledger files, settlement reports, partner data.
  • Adapts to counterparties. No rigid templates — the platform aligns with how each party maintains their books.
statement_jun.csv
gl_extract.xlsx
settlement.pdf
MT940.sta
partner_api.json

Normalized schema

txn_datecounterpartyreference_idamount_inrdirectionsource_doc

Amount tolerance

± ₹10.00 or 0.1%

Reference priority

UTR → Invoice № → Amount + Date

Grouping logic

Settlement batch · T+1 window

Learned: split-settlement pattern for marketplace payouts

02 — CONFIGURABLE LOGIC

Matching rules that fit your existing processes

  • Configurable matching rules. Tolerances, reference priorities, grouping logic and business-specific conditions.
  • Complex scenarios, handled. Bulk/splits, consolidations, partial settlements, chargebacks and timing differences.
  • Learns your patterns. Matching improves based on how your team resolves exceptions over time.
03 — ACCOUNTING EXPERTISE

Built-in finance and accounting knowledge

  • Understands accounting behaviours. Recognizes reversals, accrual movements, adjustments and carry-forward balances.
  • Exceptions classified by cause. Breaks are grouped by likely accounting cause — not just data mismatch.
  • Audit and control, supported. Structured logs, documentation links and clear match rationale.

Exception queue · classified by cause

JE-10482 · ₹48,000.00Vendor credit reversed in July
REVERSAL
JE-10511 · ₹2,10,500.00Booked in May, settled in June
ACCRUAL
JE-10547 · ₹92,340.25Opening balance from FY24-25
CARRY-FORWARD
JE-10560 · ₹1,200.00Gateway fee netted from payout
ADJUSTMENT

Transactions processed · this month

2,184,032

Auto-matched95.4%
In exception queue4.6%

Prioritized queues replace ledger scanning — and spreadsheets.

04 — ENTERPRISE SCALE

Handles high transaction volume

  • High-volume matching. Processes large transaction sets without degrading performance.
  • Structured exception queues. Teams work prioritized items instead of scanning full ledgers.
  • No spreadsheet dependency. Offline reconciliation trackers replaced with a controlled system workflow.

Integrations

Works seamlessly with all ERPs and accounting software

TallyPrimeZoho BooksOdooERPNextFocus

Plus bank statements, settlement files, GL extracts and partner data — in any format.

Security

Enterprise-grade security you can trust

Independently verified by an external security firm — all critical findings resolved, overall risk rating LOW. Security is built in from day one, not added on later.

Read the security overview

AES-256

Encryption at rest

TLS 1.3

Encryption in transit

AWS Cloud

Hosted infrastructure

Risk: LOW

Independent VAPT audit

FAQ

Answers to common questions

Answers to the questions our customers ask most. If you don't find what you need, we're happy to help.

OneCap is an AI native financial layer that sits across your systems of record such as ERPs, marketplaces, payment channels, and banks, continuously validating and reconciling transactions so your internal and external records always stay in sync. It works in three modes: Ask, where you query your financial data in plain language and get instant insights; Run, where digital workers carry out recurring finance processes end to end, including reconciliations, balance confirmations, entries, and exception handling; and Reconcile, the core engine that reads and handles any reconciliation use case.

Supplier and customer ledger reconciliations, bank, payment gateway, and inter-company ledgers, all unified in a single platform rather than scattered across spreadsheets and email threads. The same engine also handles card settlement, GL, nostro, treasury, and payments, including many to one and partial settlements, fee and tax netting, timing and value date differences and counterparty specific treatments.

OneCap runs the full balance confirmation cycle as a digital worker. On a scheduled trigger it sends balances to all counterparties, who review against their own ledger and respond to agree or dispute. When a counterparty agrees, the balance is confirmed and the record is closed. When a counterparty disputes, OneCap moves into reconciliation automatically: it flags mismatches line by line, traces each to its root cause, and routes the correction to the right side, whether that is an internal ledger adjustment on your end or a correction request to the counterparty. Once corrected, the cycle re-triggers until ledgers align and the case closes. The entire confirmation workflow lives in one governed system of record instead of scattered emails and parallel trackers.

It's plug and play from day one. No professional services, no engineering involvement, no process changes. OneCap ingests data from your existing ERP and accounting software in any format, and your finance team defines its own rules and workflows in plain language. OneCap can also integrate with your existing ERPs or accounting software to give an end to end, seamless workflow.

Yes. OneCap is compatible with all ERPs and accounting software, and is format agnostic: it reads PDFs, emails, portal exports, statements, and API feeds without requiring you to change how you work. Because every counterparty exports a different layout, with varying columns, date formats, references, nested GST sub-lines, and mixed transaction types, OneCap infers each ledger's structure at runtime. A new counterparty format is not a new engineering project.

Yes. Security is built into OneCap from day one, protected with enterprise-grade safeguards across access, storage, and transmission, and the platform has been independently audited by an external security firm. Reconciliation runs with full traceability and a complete audit trail, so every action on your data is governed, logged, and reviewable.

Start with OneCap today

Clarity, control and revenue assurance — see what your reconciliation looks like when it runs itself.

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