Harper ·Transactions, Bills, Settlements

FINHPHARPERHarper — Finance IntelStructured operational intelligence

Harper keeps group money operations grounded in structured records. It ingests transactions, categorizes activity, links spend to shared context, and helps teams move from raw bank data to bills and settlements.

Bank Sync
Inputs
Split + Settle
Core Loop
Ledgered
Memory

Finance Intel Loop

Transactions to settlements

Linked
Incoming transactions
Bank sync and categorization
Merchant: Delta Air LinesTravel
Merchant: Whole FoodsPersonal
Bill suggestion
Austin offsite dinner
4 members, split evenly
Settlement
Nina pays Arjun
$84.50 outstanding

Entity-backed outputs

This vertical runs on durable entities and stage-specific items. Each output stays reusable for later agents, reviews, and operational actions instead of disappearing into one giant prompt response.

Transactions
Bills
Members
Settlements
Accounts

Transaction Categorizer

Classifies incoming bank activity against the account category system.

Transaction Linker

Finds which transactions likely belong to a group bill or shared expense.

Bill Management

Creates and updates split bills with member resolution and group-aware logic.

Settlement Management

Generates cross-channel paydown instructions to zero out group balances.

Where this vertical lands

Purpose-built workflows on top of the same Magictrail runtime.

Automated expense categorization

Classify incoming bank activity against your chart of accounts without manual tagging.

Multi-member bill splitting

Resolve group dinners, recurring vendor bills, and shared invoices across stakeholders.

Cross-channel settlement

Calculate the minimum transfers needed to clear debt and push instructions directly to payers.

Governed by enterprise security & operational standards

Each AI workforce is tailored to its specific industry, while operating under strict enterprise security and compliance protocols. Every action is audited, verifiable, and seamlessly integrated into your existing workflows.

Persistent Memory
Context & History
Autonomous Agents
Execution Model
Strict Governance
Security & Control

Run this vertical inside Magictrail

Open the platform and work from the same entity-backed runtime described here.