IQ Suite - Complete Feature Matrix
High-density feature inventory for competitive analysis | Generated: December 2024
ReconcileIQ
Bank Statement Reconciliation Tool
Core Matching Engine
- 5,000 transactions/second processing speed
- High-performance C++ microservice backend
- Fuzzy description matching with confidence scoring
- Amount tolerance matching (configurable %)
- Date range tolerance (configurable days)
- Weighted scoring algorithm for match ranking
- Batch payment detection & splitting
- Split transaction support (one-to-many)
- Many-to-one consolidation matching
- Reference number extraction & matching
- Multi-currency conversion (live rates)
File Support
- CSV/Excel import (any format)
- Intelligent column mapping (auto-detect)
- Date format auto-detection (50+ formats)
- Amount format parsing (negatives, brackets, currencies)
- Header row detection
- Encoding detection (UTF-8, Latin-1, etc.)
- OFX/QBO file format support
PDF to CSV Converter AI
- Intelligent PDF statement extraction
- Any bank, any format: digital PDFs, scans, phone photos, CSV / Excel
- Bulk PDF processing
- Bank-specific download instructions built-in
Invoice-to-Payment Matching
- Dedicated invoice reconciliation mode
- Outstanding invoice import
- Payment allocation tracking
- Partial payment detection
- Overpayment flagging
- Unmatched invoice/payment reports
- Match confidence scoring
Merchant Parsers
- eBay statement parsing workflow
- Amazon statement parsing workflow
Session Management
- View history with saved reconciliations
- Browser-based persistence (IndexedDB/sessionStorage)
- Guided instructions modal
- File format requirements & examples
Output & Reporting
- Excel export (matched/unmatched)
- PDF reconciliation report
- Discrepancy highlighting
- Audit trail generation
- Match confidence scores
- LedgerIQ handoff for post-reconciliation analytics
Platform Integrations
- QuickBooks Online OAuth
- Xero OAuth
- Sage OAuth
- FreeAgent OAuth
- Pandle OAuth
- YNAB OAuth
- Direct imports (select bank account + date range)
- Works with ANY bank worldwide (CSV upload)
CodeIQ
AI Transaction Auto-Coding
Processing Pipeline (8-11 Phases)
- 1. Transfer Detection - Internal account transfers
- 2. Invoice Matching - Link to outstanding invoices
- 3. Historical Pattern - Platform GL history learning
- 4. Fuzzy Matching - Rule-based merchant to account
- 5. Universal Pattern - Crowd-sourced patterns Network
- 6. MCC Category - Merchant category code matching
- 7. Semantic AI - Local embedding model classification
- 8. User Learning - Personal corrections override
- 9. VAT Classification - Auto VAT code assignment
Workflow & Session Management
- Multi-session concurrency (up to ~10 clients)
- Independent tabs with background processing
- Per-session progress tracking
- Session persistence & restore
- Views: Transactions / VAT Audit / Transfers / Accounts / Invoices
Input Formats
- CSV, PDF, Excel bank statements
- OFX, QBO file formats
- Auto-detect date/description/amount columns
- Manual column override
Invoice OCR NEW
- Gemini Vision AI extraction
- PDF/PNG/JPG support
- Multi-invoice batch upload (drag-and-drop)
- Sales & Purchase invoice types
- Auto-create in accounting platform
- Manual entry fallback
- Invoice-to-transaction matching
- Adjustment transaction creation (write-offs/fees)
RiQ Companion LLM
- Single transaction review with reasoning
- Batch transaction review
- Account suggestion with explanations
- Follow-up discussion context (thread memory)
- Apply suggestion with one click
- Assessment caching for performance
RiQ Autonomous System Autonomous
- Filter transactions by criteria (account, status, amount, VAT code)
- Switch between views programmatically
- Clear filters on command
- Session-aware command routing
- Full context awareness of current state
VAT Intelligence (UK-focused)
- Platform VAT code fetching
- Automatic VAT classification
- Reverse charge detection
- VAT audit modal with breakdown
- EC services handling
- Net/VAT amount calculation
Pattern Network (Universal)
- Crowd-sourced merchant to account patterns
- Network effect learning across all users
- Pattern staging & admin approval
- LLM-cleaned merchant names
- Frequency thresholds for quality
- Anonymized contribution pipeline
- PII-stripped data protection
- Consent & opt-out mechanics
User Learning System
- Personal pattern learning from corrections
- Corrections stored & re-applied
- User learning overrides all other methods
- Low-confidence highlighting for review
Posting & Sync
- Batch posting to General Ledger
- Background job queue with progress tracking
- Real-time SSE progress updates
- Retry failed transactions
- Posting completion modal
- Auto-reconciliation back to bank feeds
Platform Support
- Pandle (deepest integration)
- QuickBooks Online
- Xero
- Sage
LedgerIQ
Financial Analytics Dashboard | 40+ Analysis Modules
Data Ingestion
- Upload GL/trial balance from ANY platform (CSV/XLSX)
- Client-side processing (privacy-first)
- Opening balance handling
- Fiscal year configuration
- Universal Enrichment Intelligence auto-classifies accounts AI
- Manual correction flows for enrichment
Core Financial Statements
- Trial Balance
- Profit & Loss Statement
- Balance Sheet
- Cash Flow Statement (indirect)
- Statement of Changes in Equity
- Common-Size P&L (%)
- Common-Size Balance Sheet (%)
Ratio Analysis
- Liquidity Ratios (Current, Quick, Cash)
- Working Capital Analysis
- Cash Conversion Cycle
- Debt & Leverage Ratios
- Return Ratios (ROA, ROE, ROCE)
- DuPont Analysis (3-factor & 5-factor)
- Ratio Trends (historical charts)
Profitability Analysis
- Gross/Net Margin Analysis
- Break-Even Analysis
- What-If / CVP Scenarios
- Expense Structure Breakdown
- Expense Correlation Matrix
- Revenue Insights
- Profitability Analysis Dashboard
Working Capital Deep-Dive
- Receivables & Payables Aging
- Inventory Efficiency
- Asset Management Ratios
- Cash Conversion Cycle
- Productivity Metrics
Forecasting & Trends
- Revenue Forecasting (ML-based)
- Seasonality Analysis
- Key Metrics Trend
- Key P&L Trends
- Key Balance Sheet Trends
- Anomaly Detection AI
Advanced Analysis
- Budget vs Actual
- Financial Health Scoring
- Credit Risk / Lending Analysis
- Tax Efficiency Analysis
- Capital Structure Optimization
AI Enrichment LLM
- Per-module AI insights
- Balance sheet narrative enrichment
- Universal enrichment prompts
- Business report generation
- COGS/Inventory account enrichment modals
- Explainer modals with guided explanations
RiQ Autonomous System Autonomous
- Navigate between 34+ modules programmatically
- Track user navigation patterns
- Detect enrichment modal appearances
- Set What-If scenario parameters
- Extract table/chart data
- Set input values & trigger reactivity
- Select dropdown options
- Click buttons/elements safely
- Guided tour capability
- Module sequence navigation
Export & Reporting
- PDF Export (all modules)
- Excel Export (XLSX)
- Board Pack generation
- Business Report (AI-generated)
- Chart image exports
- Overview Dashboard Sparklines
Data Sources
- Xero GL import
- QuickBooks GL import
- Pandle GL import
- CSV/Excel upload
- Fiscal year configuration
- Opening balance handling
RiQ AI Companion - Cross-Product Intelligence Layer
Conversational Capabilities
- Landing page chatbot for general queries
- LedgerIQ contextual chat (module-aware)
- CodeIQ contextual chat (transaction-aware)
- Transaction review assistant
- Account suggestions with reasoning
- Single transaction deep analysis
- Batch transaction review
- Follow-up conversation with thread memory
- AI business report generation
- Text summarization
Model: Gemini 2.5 Flash
Frontend State Management
- LedgerIQ Context: Dashboard state, current module, company info, calculated data
- CodeIQ Context: Session state, active session, platform, current view
- Navigation History: 50-entry history, pattern detection, session tracking
- Module Navigation: 34 module mappings, programmatic navigation, queue management
- DOM Control: Safe click, input setting, dropdown selection, data extraction
- Enrichment Detection: Modal detection, COGS/Inventory enrichment guidance
- Unified Command API: Navigate, get context, click, filter, what-if, generate report
- CodeIQ Commands: Filter transactions, filter VAT audit, clear filters, switch views
Autonomous Capabilities
- Navigate between 34+ LedgerIQ modules
- Execute module navigation sequences
- Detect when enrichment modals appear
- Track user navigation patterns
- Set What-If scenario parameters
- Extract table/chart data
- Filter CodeIQ transactions by criteria
- Switch CodeIQ views programmatically
- Generate AI business reports
- Provide guided tours
- Cache assessments for performance
- Thread-based conversation memory
Shared SaaS Platform Features
Identity & Access
- JWT authentication middleware
- User accounts with login audit
- Product access flags per user
- Session management
Billing & Credits
- Stripe subscription management
- Credit-based usage metering
- Pooled vs individual plans
- Overage rates per plan
- Promo periods support
- Monthly credit refresh
- One-time credit purchases
- Credit progress bars in UI
- Upgrade/buy credits flows
Multi-Client/Practice Workflows
- Client accounts management
- Accountant/practice client views
- Per-client session isolation
Referral Program
- Referral link generation
- Bonus credits per subscriber
- Referral tracking dashboard
Security & Compliance
- AES-256 encryption (in transit/at rest)
- Temporary processing with deletion
- GDPR compliance
- Contribution consent routes
- Data deletion/cleanup services
- Audit tables for compliance
Technical Infrastructure
Backend Architecture
- Node.js/Express API server
- PostgreSQL database
- JWT authentication
- C++ microservice for high-performance reconciliation
- Python/Flask chatbot service (RiQ)
- Real-time progress updates (SSE)
- Background job queue system
- In-memory job queue for serialized operations
AI/ML Components
- Local semantic embedding model (87MB)
- Gemini Vision AI for OCR
- Gemini 2.5 Flash for chat
- Fuzzy matching algorithms
- Pattern recognition engine
- Embedding cache for performance
Platform Integration Services
- Pattern learning per platform
- Posting services per platform
- Invoice services (OCR, matching, upload)
- VAT services (classification, calculation, mapping)
- Transfer detection
- Chart of accounts management
- Batch processing
- Audit trail generation
Data Storage
- 100 database tables
- Session & transaction storage
- Pattern cache (user & universal)
- Platform token storage (OAuth)
- Invoice cache per platform
- Posting history tracking
- Job progress & results
- Usage & billing logs
Pricing Structure (GBP)
| Plan | Monthly | Annual | Credits/mo | Overage Rate | Target |
|---|
| Starter | £5 | £51 | 5,000 | £0.002/credit | Freelancers |
| Accountant | £15 | £153 | 25,000 | £0.0015/credit | Solo practitioners |
| Practice Essential | £39 | £398 | 50,000 | £0.001/credit | Small practices |
| Practice Pro | £79 | £806 | 150,000 | £0.0008/credit | Growing practices |
| Enterprise | £199 | £2,030 | 500,000 | £0.0005/credit | Large firms |
Credit Usage: ReconcileIQ = 1 credit/txn | CodeIQ = 4 credits/txn | LedgerIQ = 1,000 credits/report
Key Differentiators
vs Dext/AutoEntry
- 8-11 phase processing pipeline vs single OCR
- Universal pattern network (crowd-sourced learning)
- RiQ AI companion for account suggestions
- Full reconciliation tool included
- 40+ financial analysis modules
- Lower per-transaction pricing at scale
vs Built-in Platform Tools
- Works across ALL platforms (not locked in)
- Local semantic AI model (privacy-first)
- Invoice OCR with multi-platform posting
- User learning overrides all other methods
- Comprehensive audit trail
- GDPR-compliant data handling
Evaluated / Roadmap Features
Bank Feed Integration (Plaid)
- Direct bank connections
- Account linking & sync
- Transaction cursors
- Webhook event handling
- Status: Evaluated/Spec'd
Merchant Expansion
- eBay integration
- Amazon integration
- Stripe integration
- Shopify integration
- Merchant-specific chart of accounts mappings
- Status: Documented roadmap
Feature Density Summary
| Metric | ReconcileIQ | CodeIQ | LedgerIQ | Total Suite |
|---|
| Core Features | 30+ | 50+ | 40+ | 120+ |
| Platform Integrations | 6 | 4 | 4 | 6 (OAuth) |
| AI/ML Components | 2 | 8 | 3 | 13 |
| Export Formats | 3 | 2 | 4 | 5 |
| Analysis Modules | - | 5 views | 40+ | 45+ |
Comprehensive feature inventory compiled from frontend, backend, and documentation sources