Reconciliation / Workflow example
Explain a Stablecoin Deposit Before Closing the Period
Connect USDC activity, fees, a reserve hold, and the bank amount in one reviewed deposit explanation.
A bank deposit can differ from gross stablecoin activity for several reasons. The controller needs an explanation tied to the same entity and period. This simulation connects the activity, fees, reserve hold, and bank record before human review. Records are fictional.
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How Does the Example Work?
Copper Treasury records 25,000 USDC gross activity, $75 processing fees, and $10 network fees. A separate record documents a $50 reserve hold. The bank posts $24,865.
Select Explain this deposit. The amount bridge uses the documented sample conversion: 1 USDC equals $1. Gross activity less $85 fees and the $50 hold equals the bank amount.
Inspect the three source groups dated October 11, 2026. The reserve remains separate from fees. Choose Save the reviewed match after checking the records.
The receipt names Elena and MATCH-CT-1011. The next step is to classify the reserve with the accountant. A missing bank record blocks the match.
What Potential ROI Could This Produce?
At 60% adoption, this example releases 23.4 hours monthly. Assisted time includes human review.
Labor proxy: bookkeeping, accounting, and auditing clerks. May 2025 BLS means: Phoenix $26.15/hour; US: $25.75/hour.
June 2026 US compensation supports a rounded 1.43 wages-plus-benefits factor. This national factor is a Phoenix assumption.
| Input | Illustrative assumption |
|---|---|
| Monthly deposit reviews | 180 |
| Minutes, manual → assisted | 20 → 7 |
| Build and internal rollout | $6,000 |
| Monthly operations | $250 |
| Potential value | Phoenix | US |
|---|---|---|
| Hourly wages + benefits | $37.39 | $36.82 |
| Monthly capacity value | $875 | $862 |
| Monthly net capacity value | $625 | $612 |
| First-year capacity ROI | 17% | 15% |
| Simple payback, months | 9.6 | 9.8 |
First-year cost: $9,000. Build assumes $5,000 service fees after credit and $1,000 internal rollout. Adoption is constant from month one. Slower adoption lowers returns. Long payback periods are mathematical extensions, not forecasts.
The allowance includes connector work, models, hosting, and internal support. Existing accounting software remains in place.
Released capacity is not automatic cash savings. These inputs are illustrative, not a desic quote. Internal support is included; optional $999/month Maintenance is extra. Use the ROI guide to replace assumptions.
What Needs Human Review?
The controller checks entity, period, conversion, and source completeness. Matching amounts do not approve accounting treatment. Measure review time and unresolved differences. Existing reconciliation rules may suffice. No funds move in this simulation.
Start with a Paid Workflow Diagnostic
Bring one close process to the Diagnostic. We examine sample exports, unexplained differences, review steps, and complete operating costs. The $1,500 Workflow Diagnostic takes one week. Receive a process map, ROI estimate, and build plan. The result is a fixed Sprint scope or a reason not to build.
The fee is credited toward a $5,000 Sprint starting within 30 days. Review the Diagnostic scope.