Accounts
All Accounts
11
Reconciliation
6.1 Mobile Money
📱
M-Pesa
📶
MTN MoMo
📡
Airtel Money
🌊
Wave / Orange
Tools
6.3 PDF + Sync
6.6 AI Fraud
6.8 Cheques
6.9 Cash Tracking
6.2 Bank Selector
New Features
💬
6.11–12 SMS/WA
📞
6.13 USSD
💰
6.14 FX Exposure
Banking Hub
Mobile Money · Multi-Bank · FX · AI Fraud · SMS/WhatsApp · USSD · Offline · Cheques · Cash
💬
6.11 SMS/WhatsApp
Auto-parse M-Pesa, Airtel, MTN SMS
📞
6.13 USSD *384#
Balance, approvals, any feature phone
💱
6.14 FX Exposure
Unrealized G/L, IAS 21 revaluation
Bank Reconciliation
Match GL entries to bank statements · March 2026
📒 Book (GL)
🏦 Bank Statement
📱 M-Pesa
6.1 Direct API · 6.5 Auto-format detection
6.5 Format Auto-Detection
📱
Safaricom
M-Pesa KE · Active
📡
Vodacom
M-Pesa TZ · Active
📶
MTN
UG · GH · Active
🔴
Airtel
NG · UG · Active
Safaricom M-Pesa (KE) — CSV columns: Receipt No., Completion Time, Details, Transaction Status, Paid In, Withdrawn, Balance. Mapping: Paid In → Dr 1051, Withdrawn → Cr 1051. FX: KES 129.40.
Live Transaction Feed
📶 MTN MoMo
Mobile Money Operations · 17 African markets
MTN MoMo Accounts
Click Sync to load transactions
📡 Airtel Money
Airtel Africa · 14 markets
Airtel Money Accounts
Click Sync to load transactions
🌊 Wave & Orange Money
Francophone West & Central Africa · XOF / XAF
Live Balances
🌊 Wave — Sénégal/CI
XOF 750,000
≈ $1,224 USD · XOF pegged EUR
🔴 Orange Money — CI/SN
XAF 928,000
≈ $1,514 USD · XAF pegged EUR
6.3 Offline PDF Reconciliation
Upload PDF statements · OCR extraction · Auto-match to GL · Works without internet · IndexedDB sync queue
6.3b Offline Sync Engine
Online · Synced
0
Synced Transactions
0
Pending Sync
0
Stored Offline (IndexedDB)
📡 Sync Queue
[✓] IndexedDB initialised — stores: pendingSync, offlineTx
[✓] Service Worker registered — background sync active
[→] Waiting for transactions to queue…
How it works: All transactions are written to IndexedDB first. When online, the background sync engine flushes the queue to the server. When offline, data stays safe locally — no data loss.
6.10 Bank Statement OCR Auto-Detection
OCR Language:
🇰🇪 Kenya
Equity, KCB, ABSA, Co-op, DTB, I&M, NIC
🇳🇬 Nigeria
GTBank, Access, Zenith, UBA, FCMB, Sterling, Eco
🇿🇦 South Africa
FNB, ABSA, Standard, Nedbank, Capitec, Investec
🇬🇧🇺🇸 UK/US/UAE
Barclays, HSBC, Chase, Wells Fargo, Emirates NBD
1
Upload PDF or photo of statement
Supports scanned PDFs, photos, low-res images — OCR auto-enhances
Waiting
2
OCR extraction & format auto-detection
Regex-scans first 500 chars · identifies bank · detects columns, date format, amount fields
Waiting
3
Auto-match to GL entries
Matches by amount ± $0.01 · date ± 3 days · Confidence score per match
Waiting
4
Review, confirm & queue for sync
Accept all · Review exceptions · Queued to IndexedDB if offline
Waiting
📄
Drop PDF bank statement here or click to upload
PDF · JPG · PNG · OFX · CSV · Max 20MB · Works offline · 200+ bank formats
6.6 AI Fraud Detection
SIM swap · Fake agents · Mule accounts · Structuring · Smurfing
2 Critical · 3 Warning
🚨 Active Fraud Alerts
AI Detection Rules Active
6.8 Cheque Management
Cheque Register
4 Issued2 Post-dated1 Stale
📸 6.15 Mobile Cheque Capture
OCR extracts cheque number, amount, payee, date
📷
Capture cheque image or upload photo
MICR line OCR · Extracts cheque no., payee, amount, bank, date · Supports front & back
6.9 Cash-in-Hand Tracking
Daily Cash Log
6.2 Multi-Bank Connector
200+ banks across Africa, UK, US, UAE
Connect a Bank
6.11–12 SMS & WhatsApp Receipts
Auto-parse M-Pesa · Airtel · MTN · Vodacom · Orange · Wave · All currencies
🇺🇬 Local
6.12 WhatsApp Receipts
Active
💬
Forward receipts to WhatsApp
Send any expense receipt or transaction screenshot to +1 (555) NVA-LDGR
- ✓ Auto-detect 20+ currencies
- ✓ Extract amount, date, vendor
- ✓ Convert to USD/EUR/GBP
- ✓ Suggest GL account
📱 6.11 SMS Import
Forward M-Pesa/Airtel/MTN SMS · iOS & Android
🧪 Live SMS Parser Tester
Paste any mobile money SMS to parse it
📱 6.11b Auto-Forward SMS Setup
One-click setup per country & network
Select a country to view step-by-step SMS forwarding instructions for that mobile network.
⚙️ 6.12b WhatsApp Webhook Configuration
Not configured
How to get tokens: Meta Developer Console → Your App → WhatsApp → API Setup. Copy the Temporary access token and set the Verify token to match above.
📨 Parsed Messages Queue
📱
No messages yet
Click "Import SMS History" above to load demo transactions
6.13 USSD Interface — *384#
Feature phone access · Balance checks · Invoice approvals · No smartphone or internet required
📱 USSD Simulator
*384#
INPUT
*384#
Welcome to NovaLedger
1. Check Balance
2. Approve Invoice
3. Recent Transactions
4. Report Expense
0. Exit
1
2
3
4
5
6
7
8
9
*
0
#
CLR
SEND
USSD Menu Structure
*384# → Main Menu
├ 1. Check Balance → All accounts (UGX/KES/NGN)
├ 2. Approve Invoice → List pending → Confirm PIN
│ └ Posts JE to GL · Sends confirmation SMS
├ 3. Recent Transactions → Last 5 per account
└ 4. Report Expense → Amount, category, notes
Supported Networks
MTN · Airtel · Vodacom · Orange · Tigo
Uganda · Kenya · Nigeria · Tanzania · Ghana
Security
4-digit approval PIN · Session timeout 120s
2FA for amounts > $500 · Audit log all sessions
Configure USSD
🔐 6.13b USSD PIN Security
PIN Set
PIN Rules: 4 digits · 3 failed attempts → 30 min lockout · All invoice approvals require PIN · Sessions expire after 120 seconds of inactivity
6.14 Multi-Currency Cash Reconciliation
Currency Exposure Dashboard · Realized/Unrealized G/L · IAS 21 Revaluation
💰 Currency Exposure Dashboard
FX Risk · IAS 21 · Real-time rates
| Currency | Country | Balance (FC) | Rate (FC/USD) | USD Value | Booking Rate | 30d Change | Unrealized G/L | Action |
|---|
IAS 21 Note: Unrealized gains/losses = (Current Rate − Booking Rate) × Outstanding Balance. Post revaluation JE to credit/debit FX Translation Reserve (OCI).
📋 Revaluation Journal Entry Preview
// Auto-generated IAS 21 revaluation entries — March 31, 2026
AccountDescriptionDebitCredit
📈 6.14b IAS 29 Hyperinflation Adjustment
ZW · AR · TR · VE · SD
Local Currency Balance
ZWL 5,200,000
IAS 29 Adjusted Balance
ZWL 28,600,000
Purchasing Power Loss (USD)
-$18,400
Restatement Factor
× 6.50
IAS 29 requires restating non-monetary items using the change in the general price index (CPI). Monetary items are not restated — the gain/loss on net monetary position is recognised in P&L.