Understand today.
Balance always.
Build tomorrow.

From a pile of PDFs to a decision-ready picture.

1. 01

   Upload

   Drop in statements as PDF, scanned image or CSV — one account or twenty, one month or two years. Password-protected files, mixed banks and overlapping periods are handled.

2. 02

   Extract & verify

   A deterministic layout parser reads digital statements; cloud OCR catches scans. Every ledger is reconciled against the statement’s own printed opening balance, closing balance and totals — a document that does not add up is never presented as if it did.

3. 03

   Understand & detect

   Monthly income statement, net cash flow, recurring debt service, facility usage and conduct signals. Affordability, debt-service-cover ratios, and forensic balance continuity are computed once and shown the same way on every screen and export.

4. 04

   Decide

   An AI underwriting memorandum and forensic audit grounded only in verified figures, a chat that answers from the ledger itself, and one-click exports to PDF, Word, Excel and Markdown.

Two forces. One clear picture.

Every financial life is a balance between what grows it and what protects it. FinYang AI reads both sides of your statements and shows them in harmony.

Yang – Growth

Income, assets, investments, future. The inflows that build tomorrow, read from every credit on every page.

Yin – Control

Expenses, liabilities, protection, today. Debt service, fees, fraud detection, conduct signals and the cash you must keep on hand.

Balance

Bringing every part of your financial life into harmony: verified numbers, honest ratios and decisions you can stand behind.

The same statements. A different question each time.

A bank statement is evidence, and what it proves depends on what you are asking. FinYang AI reads it once and answers in the register you actually need — with a different analyst, a different dashboard and a different report in each mode.

Every mode reads the same verified ledger. What changes is the question, the dashboard and the report.

The things that are easy to miss on page 40.

Every one of these is computed from the verified ledger and cites the transactions it came from. Nothing is inferred from a summary — they are reasons to look at named rows.

• Altered statements. Every line must move the running balance by its own amount. Where it does not, a line is missing or the document has been edited.
• Structuring. Cash deposits shaped to sit just under the reporting threshold — measured against the jurisdiction the statement was actually issued in.
• Same-day splits. Separate sub-threshold deposits that only cross the line when added together.
• Money-mule layering. Funds received from individuals and forwarded to individuals within days, and one reference series split across several payees.
• Account-verification probes. A token payment from a payer, followed by a substantial one.
• Rapid dissipation. Inflow that leaves again in the same period — the shape of a conduit, not a trading account.
• Concentration and cash intensity. How much of the income comes from one payer, and how much of it arrives as cash.
• Conduct and credit strain. Returned debit orders, overdraft breaches, payday and merchant-advance lenders, and every recurring commitment.

Computed on every forensic run Balance continuity · Structuring · Same-day splits · Reference series · Peer layering · Test deposits · Pass-through · Round-sum velocity · Payer concentration · Cash intensity · Returned debits · Overdraft strain · Payday lenders · Duplicate statements · and more

Signals for review, never a verdict about a person.

Any bank. Any country. Any currency.

FinYang AI does not assume where a statement comes from. It reads the letterhead, the regulator line, the currency and the date format and places the document in the right region automatically — then formats every figure the way you expect.

Everything between the statement and the decision.

Eighteen capabilities, grouped by the three things the system actually does: read the document, compute the numbers, and answer for them.

It cannot invent a figure it did not read.

A bank statement is read for more than one reason.

The same document decides a loan, exposes a fraud, settles a dispute and explains a year of trading. FinYang AI is built for all four, and knows which one you are doing.

Your statements stay yours.

Built for lenders, finance teams and operators who answer to regulators.

• Encrypted in transit and at rest. Files live in a private bucket; access is scoped to your workspace.
• Row-level security. Every table is guarded by database policies tied to the signed-in user.
• Zero persistent OCR storage. Cloud OCR is used to read, not to keep. Extracted text lives only in your database.
• No keys in code. Every credential is injected at runtime; nothing is committed.
• GDPR, POPIA & global privacy-law aligned. Designed for data-protection regimes on every continent.
• Admin vault and audit trail. Every AI interaction is retained for compliance review, exportable on demand.

Simple, predictable pricing.

Choose the plan that fits your statement analysis volume. Start free, upgrade when you need to.

Billed monthly in USD or EUR. Cancel anytime with 1 click. Backed by our 14-day money-back guarantee.