HarmonyOS · Reconciliation & Orchestration
Reconciliation engine that matches, routes and harmonizes every transaction
Automatic transaction matching with 99.9% accuracy, smart payment routing across multiple rails and providers, and real-time data harmonization — all via API.
Matching Engine99.9%
PIX SPILedger
12.847TED SPBERP SAP
3.291Boleto CIPBilling
14Smart RoutingOptimizing
PIX< 2sR$ 0,01
72%
TED< 30minR$ 8,50
18%
BoletoD+1R$ 2,90
10%
Data HarmonizationLive
MT103 (SWIFT)→pacs.008 (ISO 20022)
CNAB 240→JSON REST
CSV (ERP)→Ledger Entry
99.9%
Match accuracy
< 200ms
Reconciliation time
7
Payment rails
AI/ML
Smart matching
Real-time
Event streaming
Multi-source
Data ingestion
Reconciliation building blocks for financial operations at scale
Reconciliation
Auto MatchingAI/ML with 99.9% accuracy
Multi-sourceBanks, PSPs, ERPs
Custom RulesConfigurable matching
Break ManagementException handling
Orchestration
Smart RoutingCost & latency based
Auto RetryCircuit breaker
FailoverMulti-provider
Rail SelectionPIX, TED, Boleto, SWIFT
Harmonization
Format NormalizationISO 20022, CNAB, CSV
Financial ETLReal-time
Field MappingConfigurable
Data EnrichmentValidation + enrichment
One engine to reconcile, route and harmonize
HarmonyOS sits between your systems and financial infrastructure. It ingests data from multiple sources, matches transactions with AI/ML, routes payments through the optimal rail, and normalizes every format.
Your SystemsData sources
ERPCRMBillingTreasuryBackoffice
HarmonyOS
AI/ML + Rules EngineMatching
AI/ML 99.9%
Routing
Smart selection
ETL
Real-time transform
Audit
Full traceability
Financial InfrastructureSPI · SPB · CIP · SWIFT
SPI (PIX)
SPB (TED)
CIP (Boleto)
SWIFT
BACEN
Full reconciliation, one API
From transaction matching to routing decisions — every reconciliation operation accessible via REST endpoints.
Automatic transaction matching
Submit transaction sets from multiple sources. HarmonyOS matches them with AI/ML in real-time.
Reconciliation — Request
1curl https://api.revenu.com/harmony/reconcile \2-u:prod_key \3-d source_a='ledger' \4-d source_b='bank_statement' \5-d strategy='ai_fuzzy_match'▌
Response — 200 OK
{
"id": "rec_3xMn8kR5",
"total_a": 12847,
"total_b": 12861,
"matched": 12833,
"breaks": 14,
"accuracy": "99.9%"
}▌
Everything you need, nothing you don't
Reconciliation
AI/ML Matching
Fuzzy matching with machine learning. Handles partial amounts, date offsets, and format differences automatically.
Multi-source Ingestion
Connect banks, PSPs, ERPs, and internal systems. CSV, JSON, CNAB, MT940, and ISO 20022 supported.
Custom Rules
Define matching strategies per source pair. Exact, fuzzy, tolerance-based, or custom logic via API.
Break Management
Automatic detection and classification of unmatched transactions. Assignable workflows for resolution.
Orchestration
Smart Routing
Route payments based on cost, latency, availability, and custom rules. Real-time decisioning.
Auto Retry & Circuit Breaker
Automatic retry with exponential backoff. Circuit breaker protects against cascading failures.
Multi-provider Failover
Automatic failover between payment providers. Zero-downtime switching with health checks.
Cost Optimization
Analyze routing decisions over time. Identify cost-saving opportunities across rails and providers.
Developer
Full Sandbox
Test reconciliation rules, routing strategies, and format transformations in production-identical environment.
Format Converter
Convert between CNAB, MT940, ISO 20022, CSV, and JSON. Preview transformations before deploying.
Reconciliation Dashboard
Real-time visibility into matching status, break rates, and resolution metrics via API or UI.
Native SDKs
Go, Node.js, Python, and Java. Strongly-typed reconciliation and routing operations.
Why HarmonyOS over spreadsheets?
Manual / Legacy
HarmonyOS
Reconciliation
Manual spreadsheets
AI/ML auto-matching
Payment routing
Hardcoded rail
Smart multi-rail routing
Format handling
Custom parsers per source
Universal format converter
Break resolution
Email & tickets
Automated workflows
Failover
Manual intervention
Auto circuit breaker
Reporting
Monthly batch
Real-time API
Case Study
“HarmonyOS eliminated our monthly reconciliation pain. What took a 4-person team 5 days now happens automatically in real-time. We reduced breaks by 95% and cut costs by 70%.”
CFO, PSP Gamma
95%
Fewer breaks
99.9%
Match accuracy
70%
Cost reduction
Try HarmonyOS now
Upload transaction files, test matching rules, simulate routing strategies, and preview format conversions — all in a production-identical sandbox.
Free sandboxNo credit cardSample transaction data
Sandbox
Access the sandbox
Test credentials in minutes.
Free sandbox environment · No credit card
Regulated from day one
BACEN
ISO 27001
PCI DSS v4.0
LGPD
MED 2.0
ISO 20022
Start building today
Direct access to complete banking infrastructure: accounts, cards, payments and capital. Build your financial products on your terms, without unnecessary intermediaries.