Finance

Answers on Muin's finance tools — invoicing, payments, reconciliation, and QuickBooks sync — so your books stay accurate and always up to date.

31 questions

How do I set up invoice approval workflows?

Muin lets you automate invoice approvals based on rules you define: **Setting up workflows:** 1. Navigate to **Settings > Workflows > Invoices** 2. Click **Create Workflow** 3. Define your approval rules **Example rules:** - Invoices under $500: Auto-approve - Invoices $500-$5,000: Manager approval - Invoices over $5,000: Finance director + CFO approval **You can route based on:** - Invoice amount (thresholds) - Vendor - Department/cost center - GL code - Document tags **Notifications:** Approvers receive email and in-app notifications when items need their attention.

Can I automatically import invoices from email?

Yes! Muin can automatically import invoices forwarded to your unique email address. **Setting up email import:** 1. Go to **Settings > Email Ingestion** 2. Copy your unique forwarding address (e.g., invoices-abc123@ingest.falaah.ai) 3. Set up email forwarding rules in your inbox **What happens when you forward:** 1. Invoice is received by Muin 2. AI extracts vendor, amount, due date, line items 3. Invoice appears in your Finance > Invoices queue 4. Approval workflow triggers (if configured) **Tips:** - Follow step-by-step instructions to configure email forwarding for vendor invoices - Attachments are processed automatically - Email body is stored as a note on the invoice

How do I track overdue invoices?

Muin makes it easy to stay on top of overdue invoices: **Dashboard view:** The Finance dashboard prominently displays overdue invoices with aging categories (30/60/90 days). **Using Ask Muin:** Just ask: "Show me overdue invoices" or "What invoices are past due?" **Setting up reminders:** 1. Go to **Settings > Notifications** 2. Enable **Invoice Due Date Reminders** 3. Configure when to be notified: - 7 days before due - 3 days before due - On due date - When overdue **Automated actions:** Set up workflows to automatically: - Send reminder emails to vendors - Escalate to managers - Flag for urgent review

Can I create and send invoices to my customers?

Yes! Muin handles both sides of invoicing — receiving vendor invoices (AP) and sending customer invoices (AR). **Creating customer invoices:** 1. Go to **Finance > Customer Invoices** 2. Click **Create Invoice** 3. Select or add a customer, add line items, set payment terms 4. Send directly via email with a built-in payment link **Features:** - Recurring invoices for retainers or subscriptions (weekly, monthly, quarterly, annually) - Automated AR reminders at configurable intervals (15, 30, 45, 60 days overdue) - Payment links so customers can pay directly online - PDF invoice generation - Track partial payments and outstanding balances **Status tracking:** Invoices move through: Draft → Sent → Viewed → Paid (or Partial Paid, Overdue)

How does budget tracking work?

Muin lets you set and monitor budgets by department, category, or project. **Setting up budgets:** 1. Go to **Finance > Budgets** 2. Click **Create Budget** 3. Choose period (monthly, quarterly, or annual) 4. Set budget amounts by category or department **Real-time tracking:** - Budget vs. actual spending comparison - Variance percentage and favorable/unfavorable indicators - Spending forecast based on current run rate - Alerts when spending approaches budget limits You can also add expenses directly to a budget for quick categorization.

How does cash flow forecasting work?

Muin's AI analyzes your payables, receivables, and historical patterns to project cash flow. **What you get:** - 30/60/90-day cash flow projections with confidence intervals - Running balance forecast showing expected cash position - Shortfall and surplus alerts at high, medium, and low severity levels - AI-generated narrative summaries explaining trends **Alerts include:** - Low cash balance warnings - Large upcoming payment notifications - Negative forecast warnings with days until the projected shortfall View monthly, quarterly, or annual cash flow and export reports as PDF, CSV, or Excel.

How do I reconcile bank statements?

Muin supports bank statement import and AI-powered matching. **Import formats:** CSV, OFX, QFX, and QBO files from your bank. **How reconciliation works:** 1. Upload your bank statement to **Finance > Reconciliation** 2. Muin's AI auto-matches bank transactions to recorded entries with confidence scoring 3. Review suggested matches and approve or adjust 4. Flag unmatched items for investigation **AI matching considers:** - Amount, date, and description - Vendor/payee name patterns - Historical matching behavior Unmatched transactions are flagged for manual review so nothing slips through.

How does Muin help with 1099 compliance?

Muin tracks vendor payments throughout the year and helps you prepare 1099-NEC forms at year-end. **Year-round tracking:** - Flag vendors as 1099-eligible - Monitor YTD payments against the $600 reporting threshold - Track W-9 collection status (On File, Requested, Expired, Missing) - TIN verification per vendor **Year-end preparation:** 1. Go to **Finance > Tax > 1099 Dashboard** 2. Review vendors with reportable payments 3. Verify W-9s are on file for all eligible vendors 4. Export for filing (IRS FIRE format, PDF forms, or CSV) **Filing deadline:** January 31 for 1099-NEC. Muin tracks days remaining and flags vendors with missing information.

Why is my bill showing as overdue when I approved it?

Approval and payment are separate steps. A bill becomes overdue when the **due date passes without a recorded payment**, regardless of its approval status. **The lifecycle:** 1. **Received** — bill arrives in Muin (email import, manual entry, or OCR) 2. **Pending / Approved** — routed through any approval workflow you've configured 3. **Scheduled** — added to a payment run or manually queued 4. **Paid** — payment recorded against it If the due date passes between steps 2 and 4, the bill flips to **Overdue** even if it's been approved. **How to clear an overdue bill:** - Pay it through a Payment Run (**Finance > Payment Runs**) and record the payment - If you paid outside Muin, open the bill and click **Mark as Paid**, entering the payment date and method **Avoid overdue bills going forward:** - Turn on AR reminders and due-date notifications in **Settings > Notifications** - Run Payment Runs on a regular cadence (e.g., weekly) so approved bills don't sit

How do I void an invoice that's already been sent?

A dedicated one-click "Void" action for sent customer invoices is on the roadmap. The invoice data model already tracks `voided` and `cancelled` states, but today you cancel a sent invoice by using the workflow below. **Today's workflow:** 1. Open the invoice in **Finance > Customer Invoices** 2. If payment has not been received, email the customer that the invoice is cancelled 3. Record the cancellation as a note on the invoice so the audit trail reflects it 4. If a payment link was generated, copy the link and revoke it in **Settings > Payments** (links expire 30 days after creation by default) **If payment was received in error:** - Record a refund against the payment so the amount_paid and balance are correct - Your customer sees **Amount Remaining = $0** and the invoice reads **Paid**; attach a note that it was refunded **Coming soon:** A single-click Void action that will flip the invoice to `voided`, disable the payment link immediately, and fire a customer notification. Until then, the note + refund workflow keeps your books accurate.

What happens to the payment link when I cancel an invoice?

Customer invoices can carry an auto-generated payment link (30-day default expiry) so customers can pay online. When an invoice is cancelled or refunded, the link does **not** disable itself automatically today. **To disable a payment link safely:** 1. Open the invoice detail page and locate the **Payment Link** panel 2. Copy the link URL so you have it for the audit note 3. Go to **Settings > Payments > Payment Links** and revoke the link for the linked invoice 4. Add a note to the invoice recording the revocation **What your customer sees after revocation:** - Clicking the old link shows an "Invoice is no longer available for payment" message instead of the checkout form - Any already-completed payments remain recorded on the invoice **Coming soon:** When the one-click Void action ships, payment-link revocation will happen automatically as part of the void.

How do I match a bank transaction to multiple invoices?

When a customer pays multiple invoices with one check or ACH, Muin's reconciliation lets you split one bank transaction across several recorded entries. **Steps:** 1. Go to **Finance > Reconciliation** and open the session containing the bank transaction 2. Click the transaction row to open the review drawer 3. Muin's AI suggests the top 5 candidate matches based on amount, date, and description 4. Select the multiple invoice entries that together equal the bank transaction amount 5. Confirm the match — each invoice is marked paid and the bank transaction is marked reconciled **Confidence scores:** - **≥ 80** — high confidence, safe to confirm - **60–79** — medium confidence, worth a quick review - **< 60** — low confidence, verify the details before confirming **Partial-match alternative:** If the deposit doesn't match exactly (e.g., customer paid $10,000 against $10,015 in invoices and kept $15 as a credit), record each match individually and note the shortfall.

My bank feed has missing transactions — what should I do?

Muin does not currently maintain a live bank feed. Bank data is imported via statement files you upload yourself. **Supported import formats:** CSV, OFX, QFX, and QBO files. **If transactions are missing:** 1. Re-download your bank statement covering the full date range you need 2. Go to **Finance > Reconciliation > Import Statement** 3. Upload the file (max 20 MB, up to 10,000 transactions per import) 4. Muin deduplicates on SHA-256 file hash — re-importing the same file returns the original upload instead of creating duplicates 5. If a specific date range was truncated, export a statement covering only that range and import it separately **Roadmap:** Direct Plaid bank-feed integration is planned but pending production Plaid access. When it ships, statements will sync automatically each night, and you can stop manually uploading files. **Until then:** a monthly statement upload keeps reconciliation current; weekly uploads work well if you close books weekly.

How do I file 1099s for vendors I paid?

At year-end, Muin walks you through preparing and filing 1099-NEC forms for vendors who met the reporting threshold. **Preparation (anytime during the year):** 1. Flag vendors as 1099-eligible in **Vendors > [vendor] > Tax** 2. Collect W-9s using the built-in W-9 request email workflow (**Finance > Tax > 1099 Dashboard > Request W-9**) 3. Confirm TINs are on file before year-end **Filing (January):** 1. Go to **Finance > Tax > 1099 Dashboard** 2. Review the list of vendors over the $600 threshold 3. Generate 1099-NEC PDFs — one per vendor — for mailing 4. Export the CSV or IRS FIRE-format file for e-filing **Direct IRS e-file submission:** Muin is integrating with an IRS-approved filing partner (Track1099 or Tax1099.com) for one-click submission. Until that integration ships, you'll export the file from Muin and upload it directly to the filing partner or the IRS FIRE system. **Deadline:** January 31 for 1099-NEC. Muin shows days remaining on the dashboard.

What is the threshold for issuing a 1099?

For **1099-NEC** (Non-Employee Compensation), the IRS threshold is **$600 in total payments to an eligible vendor during the calendar year**. **Who counts as 1099-eligible:** - Independent contractors, freelancers, and sole proprietors - LLCs taxed as sole proprietorships or partnerships - Attorneys (always 1099-eligible, regardless of entity type, for legal services) **Who doesn't get a 1099:** - C-corporations and S-corporations (with narrow exceptions) - Employees (they get W-2s) - Vendors paid only via credit card or third-party processor (the processor files 1099-K) **How Muin tracks the threshold:** - Every vendor flagged as 1099-eligible is tracked year-round - The 1099 Dashboard shows YTD payments and flags vendors approaching or exceeding $600 - Payments via credit card are excluded from the YTD total automatically

How do I close an accounting period?

A dedicated Period Close workflow is planned for a future release. In today's beta, the closing discipline you need is available through adjacent features: **Monthly close checklist you can run today:** 1. **Reconcile bank accounts** — import the month's statement and match all transactions (**Finance > Reconciliation**) 2. **Review AP** — make sure no bills from the period are still in Draft or Pending (**Finance > Bills**) 3. **Review AR** — run AR aging for the period and follow up on anything 60+ days overdue (**Finance > AR Aging**) 4. **Review expenses** — check the Duplicate Warnings panel and resolve flagged expenses (**Finance > Expenses**) 5. **Export P&L + Balance Sheet** — pull snapshot reports for the period from the accountant portal 6. **Export audit pack** — download supporting documents for the period **What Period Close will add (coming soon):** - A one-click "Close Period" action that locks the period against backdated entries - A "Close Period" confirmation dialog that lists unreconciled items before locking - Period-locked state surfaced on each bill, invoice, and expense Until Period Close ships, treat bank reconciliation + bill/invoice review as your functional close.

Can I reopen a closed period?

Period Close is a planned post-beta feature and is not yet available in Muin. Once it ships, reopening a closed period will be possible for the Finance Admin role with full audit-trail tracking. **How the reopen flow will work (planned):** 1. Finance Admin opens **Finance > Period Close** and selects the closed period 2. Clicks **Reopen Period** and confirms a reason 3. The period unlocks; all bills, invoices, and journal entries in the period become editable again 4. An audit-trail entry records who reopened, when, and why 5. The user re-runs the close once adjustments are made **What to do today (before Period Close ships):** Because periods are not yet locked, any bill, invoice, expense, or payment from a prior month can still be edited directly. Use the notes field to record why you're editing a historical record so your accountant has context. **Tracking:** Follow the roadmap in our release notes for the Period Close announcement.

What is the difference between a Bill and a Customer Invoice?

**Bills (Accounts Payable / AP)** are invoices from **vendors** asking you to pay them. They track money flowing **out** of your business. **Customer Invoices (Accounts Receivable / AR)** are invoices you send to **customers** to collect payment. They track money flowing **in**. **Quick reference:** | Aspect | Bill (AP) | Customer Invoice (AR) | | --- | --- | --- | | Who sent it | A vendor | You | | Direction | Money out | Money in | | Where it lives | **Finance > Bills** | **Finance > Invoices** | | Approval flow | Optional (before payment) | Usually none (you're the issuer) | | Paid via | Payment Runs, checks, ACH | Customer pays via link, ACH, check | | Shown on | AP Aging report | AR Aging report | **How to tell them apart in practice:** - If someone is asking **you** to pay, it's a Bill - If you are asking **someone else** to pay, it's a Customer Invoice Muin handles both sides in a single platform so your finance lead can see cash-in and cash-out in one place.

How do I set up recurring bills?

Muin's Recurring Transactions engine handles recurring invoices, expenses, payments, and subscriptions on one unified schedule. **Create a recurring bill or payment:** 1. Go to **Finance > Recurring** 2. Click **Create Recurring** 3. Choose a **Type**: Payment (vendor bill you owe) or Expense (expense you incur on a cadence) 4. Fill in vendor, amount, category, frequency (weekly, monthly, quarterly, annually), start date, and optional end date 5. Enable **Auto-generate** if you want Muin to create the occurrence automatically, or leave it off to get a reminder and create manually **Variance alerts:** Set a variance threshold (e.g., 10%) — if an occurrence deviates from the expected amount by more than that, Muin flags it for review before booking. **Editing the series:** - Edit the template to change all future occurrences - Edit an individual occurrence to make a one-off change without affecting the series - Pause the series to skip generation temporarily; reactivate when you're ready

What happens if a recurring bill fails to generate?

Muin tracks every failed generation attempt and surfaces them in the UI so nothing slips through silently. **What you see:** - A banner on **Finance > Recurring** showing "N failed generations — view and retry" - Each failure shows the recurring template, the occurrence date it was supposed to fire, and the error message **Common causes:** - A vendor or customer was deleted that the template references - The template was left without a category or amount after editing - A system error during the scheduled generation window **To recover:** 1. Click **View failed generations** on the banner 2. For each failure, review the error message and fix the root cause (e.g., relink the vendor, fill the missing field) 3. Click **Retry** — Muin attempts the generation again for that specific occurrence date 4. Successful retries disappear from the banner; the occurrence shows up as a normal bill or expense **Audit trail:** All failures and retries are recorded so your finance lead can see why a month was missed and how it was resolved.

How do I invite my accountant to review the books?

Muin has a built-in Accountant Portal that gives external accountants read-only access to your financials without giving them a full Muin seat or touching your login credentials. **To invite your accountant:** 1. Go to **Finance > Finance Overview** and click **Invite Accountant** (finance admin permission required) 2. Enter their name and email 3. Muin sends them a magic-link invitation email 4. They click the link and land on the read-only Accountant Portal for your tenant **What your accountant sees:** - Financial Statements tab (Profit & Loss, Balance Sheet, Cash Flow) - Overview with key metrics and ratios - Reconciliation sessions for the period - Audit-pack export (a ZIP of supporting documents for the period) **What they can't do:** - Create, edit, or delete any records - See other modules (HR, Documents, Compliance, etc.) - Share their magic link with others (links are bound to their email) **Token expiry:** Invitations last 30 days. If your accountant needs access beyond that, re-issue the invitation. You can also revoke a token at any time from the invite record.

How do I track grant spending for funders?

Muin's Grants module (nonprofit vertical) tracks restricted funds end-to-end from award through reporting. **Workflow:** 1. **Record the grant** — **Finance > Grants > New Grant**. Enter funder, award amount, start/end dates, and allowable-cost categories 2. **Attribute expenses as they happen** — when creating an expense, pick the grant fund so the spend is deducted from the correct grant balance 3. **Monitor the burn rate** — the Grants dashboard shows spent vs. remaining, burn rate per month, and projected depletion date 4. **Celebrate milestones** — when a grant is 50%, 75%, or 100% spent, Muin shows a celebration banner so your team sees progress **Funder reports:** 1. Go to **Finance > Funder Reports** 2. Generate a funder-ready PDF showing grant balance, itemized expenses charged against the grant, and narrative (AI-generated draft you review before sending) **What makes this different from a budget:** - Grants have an award cap; budgets are internal targets - Grants are restricted — a dollar charged to Grant A can't pay for Grant B's expenses - Funder reports pull directly from grant spend, so numbers always reconcile

What is a Payment Run and how is it different from paying a single bill?

A **Payment Run** is a batch — a single action that pays many approved bills in one sweep and gives you a single Batch ID for bank reconciliation. **Single-bill payment:** - Best for one-off or urgent payments - Open the bill, click **Mark as Paid**, record date and method - Works fine for low volume **Payment Run (batch):** 1. Go to **Finance > Payment Runs > New Run** 2. Muin pre-selects approved, due bills up to your chosen payment date 3. Review and adjust the selection (remove any you don't want to pay yet) 4. Confirm the run — all selected bills flip to Paid under one Batch ID 5. Export the payment file (for your bank's bulk-ACH upload, if you use one) 6. Reconcile the single bank transaction against the Batch ID **Why Payment Runs help:** - One bank transaction, many invoices — reconciliation is one line instead of dozens - Approval-then-batch separates decision from execution, reducing errors - AI Pay Suggestions highlight urgency (overdue, discounts expiring) and help you pick what to pay **When to use which:** Weekly batches for routine AP, single-bill for urgent wires.

How do I handle expense reports from employees?

Employees can submit expenses directly to Muin, attach receipts, and route them for approval. **Submission flow:** 1. Employee opens **Finance > Expenses > New Expense** (or the mobile receipt-capture flow) 2. Snaps a photo of the receipt; Muin's OCR pre-fills vendor, amount, date, category, and tax 3. Employee confirms or corrects extracted fields, picks a department or grant if applicable 4. Submits — the expense enters the approval queue **Approval:** - Expenses route through the same approval workflow as bills, using rules you defined (**Settings > Workflows**) - Approvers get in-app and email notifications - Duplicate-warning panel flags suspicious repeats before approval **Reimbursement tracking:** - Link the expense to a person (employee) so reimbursable expenses stay associated - Approved reimbursable expenses can be paid through a Payment Run (category: reimbursement) or tracked externally **Category shortcuts:** Muin learns from history — common vendors and categories pre-fill faster over time. Smart GL Code suggestions fire at confidence ≥ 75% for the posted GL.

What is an approval workflow for bills?

An approval workflow is a set of rules that automatically route incoming bills to the right person (or people) for sign-off before payment. **Where to set it up:** **Settings > Workflows > Bills & Invoices** **Example rules you can build:** - Bills under $500 → Auto-approve - Bills $500 – $5,000 → Manager approval - Bills over $5,000 → Finance director + CFO approval - Bills in category "Legal" → Always require CFO **Routing dimensions:** - Amount thresholds - Vendor - Department or cost center - GL code - Document tags **What approvers see:** - Pending approvals in their Finance Overview and via email/in-app notifications - Each bill with line items, attached receipt, and any AI-flagged risks (duplicate, unusual amount, missing PO) - Approve, Reject (with required comment), Request Revision, or Delegate actions **Metrics:** The Approval Metrics dashboard tracks bottlenecks — who's slow, which vendors cycle longest, which threshold ranges spend most time waiting.

How do I delegate approvals when I'm out of office?

You can delegate a single approval or set up delegation proactively for a vacation or leave period. **Per-document delegation:** 1. Open any document in your approval queue 2. Click **Delegate** 3. Choose the user to delegate to and add a note 4. They receive the approval in their own queue; the audit trail records the delegation **Timing:** - Delegation preserves the original document, timeline, and amount - The delegate's approval is as binding as yours would have been - You retain visibility in the approval history — you can see who the delegate chose to do **Best practices for planned absences:** - Set delegation before your out-of-office begins, not day-of - Delegate to someone at the same authority level (not below — they may re-hit your threshold) - Reverse the delegation when you return so new approvals come back to you

My expense shows "duplicate warning" — is this an error?

No — it's a safety check, not a hard error. The Duplicate Detection engine watches for potential duplicate submissions and flags them so you can review before approval. **What triggers the warning:** - Same vendor + same amount + close date match (typically within 7 days) - Same receipt image or PDF detected more than once - Same reference number across two expenses **If it's actually a duplicate:** - Review both records, delete or void the duplicate, and add a note explaining why **If it's legitimately a separate expense:** - Open the bill/expense and click **Dismiss Duplicate** - Muin records the dismissal so the same pair doesn't trigger a warning again (e.g., identical Zoom subscription line items across two months) **False positives:** Common when vendors send near-identical recurring charges. Dismissing once trains the system for that pair going forward. **Approval gate:** Approvers see the duplicate warning on the approval screen so they can reject or ask for clarification without digging through history.

How do I export my P&L report?

Muin generates a full Profit & Loss (Income Statement) on demand for any date range. Today the most polished surface for P&L access is the Accountant Portal, with direct in-app P&L export on the roadmap. **Fastest path today — Accountant Portal:** 1. **Finance > Finance Overview > Invite Accountant** (or use your existing accountant's magic link) 2. On the portal's **Financial Statements** tab, P&L + Balance Sheet + Cash Flow are displayed and downloadable 3. The accountant can share the downloaded PDF back with you **Alternative — Financial Statements API:** If you have a developer or integration, `GET /api/v1/finance/statements/profit-loss?start_date=...&end_date=...` returns the full P&L as JSON. It powers the accountant-portal view and any custom report you build. **What the P&L includes:** - **Revenue** — customer invoice totals and POS sales by period - **Operating expenses** — bills + expenses grouped by category - **Net income** — revenue minus expenses - **Comparative period** — delta vs. the prior period **Coming soon:** Direct in-app **Finance > Reports > P&L** download with PDF, CSV, and Excel format choices.

How do I collect W-9s from my vendors?

Muin's 1099 Dashboard has a built-in W-9 Request Email workflow so you don't have to chase forms by hand. **Request a W-9 from a vendor:** 1. Go to **Finance > Tax > 1099 Dashboard** 2. Find the vendor row and click **Request W-9** 3. Confirm the email address and send 4. The vendor receives a secure upload link — they fill in the digital W-9 and submit **Tracking status:** The dashboard shows a status per vendor: - **On File** — W-9 is received and verified - **Requested** — email sent, awaiting response - **Missing** — nothing on file, flagged for year-end - **Expired** — older than 3 years; the IRS recommends refresh **Reminders:** - Auto-reminder emails go out at 7 and 14 days after the initial request - Year-end dashboard surfaces any vendor over $600 YTD still in Missing/Requested status **Tip:** Collect W-9s at onboarding, not at year-end. The dashboard makes mid-year chase-downs possible, but up-front collection is always easier.

How does Muin decide I have sales tax nexus in a state?

Sales tax nexus is decided by state-by-state rules following the 2018 Wayfair decision. Muin monitors your invoicing activity and flags states where your sales approach or cross the threshold. **Default (Wayfair baseline):** $100,000 in sales OR 200 transactions in the calendar year, whichever comes first. **State-specific overrides Muin tracks:** California ($500K), New York ($500K + 100 transactions), Texas ($500K), Tennessee ($100K), Washington ($100K), Massachusetts ($100K + 100 transactions), Colorado ($100K), Kansas ($100K). **What Muin does automatically:** - Scans customer invoices in SENT / VIEWED / PARTIAL_PAID / PAID / OVERDUE statuses (draft and void excluded) against each state's threshold - Counts on a 12-month rolling window by default - Shows an "Approaching Nexus" banner when you cross 80% of any state's threshold - Lists the top 5 states most at risk **Where to view:** **Settings > Finance > Sales Tax** (the **Sales Tax** route at `/finance/tax/sales-tax` is Coming Soon as a dedicated page) **Next step once flagged:** - Register with that state's Department of Revenue - Add the state in the Nexus Registry so Muin starts calculating tax on invoices shipped or sold there **Note:** Muin gives you visibility; actual state registration happens with each state's DOR. We don't auto-register on your behalf.

What does the AI confidence score mean on auto-matches and suggestions?

AI confidence scores tell you how sure Muin is about a recommendation. They are not a promise — they're a signal for how much human review is warranted. **Reconciliation matches (0–100):** - **80–100** (green) — high confidence; safe to confirm with a glance - **60–79** (amber) — medium confidence; worth a quick look before confirming - **< 60** (gray) — below suggestion threshold; Muin won't surface these automatically **Auto-apply threshold:** By default, Muin auto-applies matches at **≥ 80** confidence. You can adjust this (valid range 50–100) in your reconciliation settings. **How scores are computed (reconciliation):** - Amount similarity (up to 50 points) - Date proximity (up to 30 points) - Description / payee match (up to 20 points) - An optional AI re-ranking pass refines the top candidates based on historical matching behavior **GL code suggestions (0.00–1.00):** Muin suggests a GL code for new expenses based on vendor history and LLM classification. A score **≥ 0.75** means high confidence; you can always override. **Rule of thumb:** Trust the AI, but verify the first 10–20 auto-matches after you start — that tells you how it's performing on your data.