Reconciliation

Reconciliation answers the question: did the money Sly’s ledger says moved actually move, according to the rails? When they disagree — which happens in ~0.1% of transactions due to rail quirks, fees, returns, or edge cases — reconciliation surfaces the discrepancies so you can investigate and resolve. Most partners only look at reconciliation reports during month-end close or when support tickets reference missing funds.

How reconciliation works

Sly internal ledger                   Rail settlement file
  (what we think happened)             (what actually happened)
           │                                    │
           └─────────── MATCH ──────────────────┘
                         │
              ┌──────────┴───────────┐
              │                      │
            matched              unmatched
          (healthy)           (discrepancies)
                                     │
                                     ▼
                              Resolve:
                              - adjust ledger
                              - chase rail provider
                              - write off

Sly ingests rail settlement files daily (ACH NACHA returns, Stripe payout files, stablecoin chain-settlement receipts). For each ledger entry on our side, we look for a matching rail entry. Mismatches are flagged.

List reconciliation reports

curl "https://api.getsly.ai/v1/reconciliation/reports?rail=ach&status=completed&since=2026-04-01" \
  -H "Authorization: Bearer pk_live_..."

Response:

{
  "data": [
    {
      "id": "recon_...",
      "rail": "ach",
      "status": "completed",
      "period": { "from": "2026-04-22", "to": "2026-04-22" },
      "totals": {
        "ledger_entries": 1247,
        "rail_entries": 1245,
        "matched": 1244,
        "unmatched_ledger": 3,
        "unmatched_rail": 1,
        "discrepancies": 4
      },
      "created_at": "2026-04-23T03:15:00Z"
    }
  ]
}

Report detail

curl https://api.getsly.ai/v1/reconciliation/reports/recon_... \
  -H "Authorization: Bearer pk_live_..."

Shows each discrepancy individually:

{
  "discrepancies": [
    {
      "id": "disc_001",
      "type": "ledger_only",
      "ledger_entry_id": "lgr_abc",
      "amount_cents": 4999,
      "currency": "USD",
      "note": "Sly ledger shows ACH transfer, no corresponding rail entry"
    },
    {
      "id": "disc_002",
      "type": "amount_mismatch",
      "ledger_entry_id": "lgr_def",
      "rail_entry_id": "rail_xyz",
      "ledger_amount_cents": 10000,
      "rail_amount_cents": 9950,
      "delta_cents": -50,
      "note": "Rail deducted fee we hadn't booked"
    }
  ]
}

Discrepancy types

Type	Cause	Typical resolution
`ledger_only`	Sly thinks it settled, rail has no record	Chase rail provider; may be lag or actual miss
`rail_only`	Rail has entry, Sly ledger doesn’t	Usually a rail credit we didn’t originate (e.g. return); create adjustment
`amount_mismatch`	Same txn, different amounts	Often unexpected rail fees; book delta
`timing_mismatch`	Settlement date disagrees	Usually benign — rail processed next day
`duplicate`	Multiple rail entries for one ledger	Request refund from rail; exceedingly rare

Resolve a discrepancy

curl -X POST https://api.getsly.ai/v1/reconciliation/discrepancies/disc_001/resolve \
  -H "Authorization: Bearer pk_live_..." \
  -d '{
    "resolution": "adjusted",
    "note": "Contacted ACH provider — confirmed lag, entry appeared next-day recon",
    "adjustment_entry_id": "lgr_adj_..."
  }'

Resolution types:

adjusted — you booked a correcting ledger entry
written_off — too small to chase, absorbed
chasing — external action in progress; returns to open pool
no_action — benign (timing) — close without adjustment

Trigger a reconciliation run

Reconciliation runs automatically nightly, but you can force a run:

curl -X POST https://api.getsly.ai/v1/reconciliation/run \
  -H "Authorization: Bearer pk_live_..." \
  -d '{
    "rail": "ach",
    "date_from": "2026-04-22",
    "date_to": "2026-04-22"
  }'

Useful during incidents — “did yesterday’s ACH actually go through?”

Supported rails

Rail	Settlement file source	Cadence
`ach`	NACHA + Fed	Daily
`wire`	Fed + OFAC	Daily
`usdc-base`	Base block explorer	Every 15 min
`usdc-solana`	Solana RPC	Every 15 min
`pix`	Central Bank of Brazil	Hourly
`spei`	Banxico	Hourly
`card-stripe`	Stripe payout files	Daily
`card-adyen`	Adyen settlement files	Daily

Monitoring signals worth alerting on

Discrepancy rate > 0.5% on any given day
Specific rail gone quiet — no settlement file received for expected window
ledger_only older than 3 days — actual missing money, not lag
Repeated amount_mismatch on same merchant — pattern of unexpected fees

Subscribe to reconciliation.discrepancy.opened webhook for real-time.

Endpoints

Endpoint	Purpose
`GET /v1/reconciliation/reports`	List reports
`GET /v1/reconciliation/reports/:id`	Report detail
`POST /v1/reconciliation/run`	Trigger a recon run
`POST /v1/reconciliation/discrepancies/:id/resolve`	Resolve discrepancy

Monthly close workflow

A typical month-end:

Trigger a full-month recon per rail
Review the discrepancy summary
Book adjusting entries for unresolved amount mismatches
Chase open ledger_only items with rail providers
Export final report to your GL

curl -X POST https://api.getsly.ai/v1/reconciliation/run \
  -d '{ "rail": "ach", "date_from": "2026-04-01", "date_to": "2026-04-30" }'

For most tenants, the daily automated runs catch 99%+ — the manual monthly pass is a sanity check.

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Reconciliation

How reconciliation works

List reconciliation reports

Report detail

Discrepancy types

Resolve a discrepancy

Trigger a reconciliation run

Supported rails

Monitoring signals worth alerting on

Endpoints

Monthly close workflow

​How reconciliation works

​List reconciliation reports

​Report detail

​Discrepancy types

​Resolve a discrepancy

​Trigger a reconciliation run

​Supported rails

​Monitoring signals worth alerting on

​Endpoints

​Monthly close workflow

How reconciliation works

List reconciliation reports

Report detail

Discrepancy types

Resolve a discrepancy

Trigger a reconciliation run

Supported rails

Monitoring signals worth alerting on

Endpoints

Monthly close workflow