# Stablecoin invoice reconciliation — Stable Reconcile

Canonical: https://reconcile.agiscorecard.com/guide.html
Reviewed: 2026-09-19
Author: AGI Scorecard team
Version: 1.1.0

Stable Reconcile compares your declared invoices with recorded stablecoin transfers. It separates partial payments, pending transfers and wrong-network records, with exact decimal totals. Use it for a local exception review before updating your books.

## Method

Match the declared invoice ID, network and asset exactly. Sum finalized amounts with fixed-point integers. Pending and reverted records never settle an invoice.

## Workflow

1. Export sanitized invoices and transfers from your own system. Use a unique event ID, including a log index where needed.
2. Enter or import the records. Confirm network and token identity against your source.
3. Run reconciliation and review every exception before updating your accounting system.

## Common mistake

Counting a pending transfer as paid hides settlement risk. Keep pending amounts separate and verify finality with your original source.

## Worked scenarios

### Split & partial payments

One invoice matches; another is short by 20.
Fictional inputs: https://reconcile.agiscorecard.com/examples/split.json
Run: https://reconcile.agiscorecard.com/?scenario=split#workbench
- Invoices: 2
- Matched: 1
- Transfer exceptions: 1

### A transfer is still pending

See why a pending transfer does not settle the invoice.
Fictional inputs: https://reconcile.agiscorecard.com/examples/pending.json
Run: https://reconcile.agiscorecard.com/?scenario=pending#workbench
- Invoices: 2
- Matched: 0
- Transfer exceptions: 1

### Customer paid twice

Review an overpayment while keeping the duplicate event IDs distinct.
Fictional inputs: https://reconcile.agiscorecard.com/examples/overpaid.json
Run: https://reconcile.agiscorecard.com/?scenario=overpaid#workbench
- Invoices: 2
- Matched: 0
- Transfer exceptions: 1

## Questions

### Why can a stablecoin invoice remain unpaid after a transfer?

The transfer may be pending, assigned to another invoice, or recorded on a different chain or token contract. Reconciliation needs the invoice, network and asset to agree; a matching ticker alone is insufficient.

### Is Stable Reconcile free, and do I need a wallet?

All current functions are free beta. No account, wallet connection, subscription or model API key is needed. No wallet sync, automatic matching, FX, refund processing, tax accounting or independent finality checks.

### Can I use my own records and keep them private?

Yes. Enter records, import JSON or paste CSV into record groups. Inputs and comparison snapshots stay in this browser tab. Share-example links contain only a public scenario name. Review downloaded reports before sharing your records.

## Alternatives and official sources

- [Request Finance](https://www.requestfinance.com/pricing): Payment operations, accounting integrations and automated reconciliation; Growth is listed at $250/month billed annually.
- [Cryptio](https://cryptio.co/): Institutional digital-asset accounting, reconciliation and ERP workflows.

Choose an integrated accounting product when you need bank/wallet ingestion, approvals or an audit trail across a team. This small worksheet has no financial-system integration.

## Limits

No wallet sync, automatic matching, FX, refund processing, tax accounting or independent finality checks.
Amounts are exact to 8 decimals. Network and asset identifiers are exact, case-sensitive labels; use a contract or issuer identifier, not just a ticker.

Finality is supplied by you. No blockchain, wallet balance, issuer solvency, exchange rate, refund or payment is verified. Partial and multiple payments are supported; refunds must be reconciled separately.

## Input and output

Structural schema: https://reconcile.agiscorecard.com/input.schema.json
The engine additionally validates ranges, dates, amount formats, uniqueness and cross-field rules.
Input JSON and CSV paste are processed locally. No model, account or wallet is needed.
Reports can be downloaded as JSON or Markdown and printed locally. Public scenario links never include user records.

## Price and license

Current functions are free beta. No paid plan or update SLA is offered.
Tool bundle license: https://reconcile.agiscorecard.com/LICENSE.txt
Privacy: https://reconcile.agiscorecard.com/privacy.html