The 3% problem
Match rate is the metric everyone reports and the one that tells you least. What matters is the shape of what did not match.
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- Author
- Ane Etxeberria
- Co-founder, Chief Executive
- Published
- 22 Jul 2026
- Length
- 7 minute read
Writing
Mostly technical, occasionally opinionated, never a product announcement dressed up as an article. If you reconcile for a living, some of this should be immediately familiar.
Everything else
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The schema is public, the standard is well written, and the files will still surprise you. Eleven things that actually break parsers.
Mikel Aranburu · 9 min
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Engineering
A well-written rule set gets you to about 92%. The remaining 8% is not more rules — it is a different class of problem.
Rubén Ferreira · 8 min
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Compliance
Putting a language model near the general ledger is a governance question before it is an engineering one. Here is the architecture we could defend.
Klara Nowak · 8 min
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Compliance
If you hold funds for customers, the reconciliation is the control. Treating it as a reporting exercise is how the gap opens.
Klara Nowak · 7 min
5 Mar 2026
Treasury
Settlement lag is a treasury problem disguised as an operations problem. The reconciliation data already contains the answer.
Ane Etxeberria · 6 min
28 Jan 2026