For Swiss fiduciaries (Treuhänder) and SMEs on Bexio
Month-end close, without the painful last 10 percent.
Bexio already matches clean QR payments. numi handles the rest: collective credits, foreign currencies, early-payment discounts, payments without a reference. Every case arrives in your cockpit ready to book, with its reasoning. You review, one click, and the payment is recorded in Bexio.
- Data stored in Zurich
- ISO 20022 & SIX QR-bill
- Every booking approved by you
- Approve+CHF 1’949.75Pia RutschmannQR reference · Payment RE-00101 · exact match
- Approve−CHF 942.50Berlin Software GmbHForeign currency · EUR 1’000.00 at 0.9383 · FX loss CHF 4.20
- Approve+CHF 980.00Alpen Bau AG2 % discount · RE-00104 · sales deduction CHF 18.50 + VAT CHF 1.50
- Approve+CHF 300.00Café LindenhofBundled payment · RE-00161 + RE-00162 · difference CHF 0.00
- −CHF 12.40Bank chargesReview · No matching document — please handle manually
The problem
The clean 90 % reconcile themselves. The rest costs hours, per client, every month.
What gets stuck in reconciliation is rarely complicated, just tedious. And it repeats for every client.
Collective credits
One bank booking, dozens of QR payments. The details sit in the camt.054, often in a separate file.
Foreign currencies
EUR invoice, CHF debit, a different rate. The difference has to be booked as an FX gain or loss.
Discounts & partial payments
The customer pays 2 % less (Skonto). The sales deduction needs the right VAT correction.
Missing references
No QR reference, just a name and “invoices Sept + Oct”. Which documents does it mean?
Invalid QR-bills
Since the SIX changeover, combined addresses (type K) are rejected. The payment only fails once it reaches the bank.
How it works
Import. Match. Approve.
Three steps you already take today, without the searching in between.
- 1
Import
Drop bank statements (camt.053/054, XML or ZIP) from e-banking and supplier invoices as PDF into the cockpit. numi reads transactions and QR codes and detects duplicates.
- 2
Match
Tier 1: QR reference and amount. Tier 2: IBAN, amount and date range, only when unambiguous. Tier 3: for everything else, numi computes candidates and differences; the AI picks the most plausible one and explains why.
- 3
Approve
Green is an exact match, amber a reasoned proposal, red needs you. One click records the payment on the Bexio document, including FX difference, discount and VAT code.
Our principle
The AI doesn't calculate. It chooses.
numi computes amounts, check digits, exchange rates and VAT with fixed, tested rules: exact to the centime and identical every time. The AI only sees the pre-computed candidates and picks the most plausible one. The rules re-check every choice before it reaches your approval list.
- Amounts as whole centimes, never floating point
- QR reference modulo 10 · SCOR ISO 11649 · IBAN modulo 97
- Swiss VAT (MWST) rates by effective date (until 2023: 7.7 / 2.5 / 3.7 %)
- No IBANs, addresses or account numbers sent to the AI
Features
Everything reconciliation needs, and nothing you have to relearn.
numi complements Bexio, it doesn't replace it. Your chart of accounts, your documents, your approval.
Validate QR-bills
Reads the QR code straight from a PDF or photo and checks QR-IBAN, QR reference (modulo 10), SCOR (ISO 11649) and the structured address, before the payment fails.
camt.053 & camt.054
Import XML or ZIP from any Swiss e-banking. Duplicates are detected, collective bookings split into individual payments automatically.
VAT & chart of accounts
8.1 % · 2.6 % · 3.8 %, by effective date. Net/tax split to the centime, mapped onto each client's own chart of accounts.
Native Bexio posting
Approvals are recorded as payments on the Bexio documents: foreign currencies at the effective bank rate, discounts as cash-discount payments. VAT-relevant entries carry the matching Bexio tax code.
Every client at a glance
One cockpit for the whole office: reconciliation status per client, open proposals, open exceptions.
Complete audit trail
Every booking with its origin: bank statement, the bank's booking reference, document. Plus an audit log of who imported, reconciled and approved what, and when.
For fiduciary offices
One office, many clients, one view.
Swiss fiduciaries often look after dozens of SMEs, each on its own Bexio account. numi connects every client separately and shows on one page where each close stands.
Status per client
Share of reconciled transactions, open proposals and exceptions, last run. Sorted, so you know where to start.
Strict client separation
Each office only sees its own clients. The separation is enforced in the database itself, not just in the interface.
Safe to repeat
Imported the same file twice? Detected. Bexio rejected a booking? The next attempt continues where it stopped, without double-posting.
Ready for AI agents
Your agent prepares. Nothing is booked without your approval.
numi is also an MCP server. Connect Claude, Cursor or your own agents and ask in plain language how your clients stand, have statements imported, or get VAT-correct bookings prepared.
Two clients. Bäckerei Muster: 3 proposals to review (FX difference, discount, bundled payment), all ready for approval in the cockpit. Garage Huber: a bank charge without a matching document.
Example conversation
https://www.numi.fi/api/mcpSign-in via OAuth 2.1 in the browser. You see which app is asking for access and can revoke it at any time.
- ReadClients, reconciliation status, open cases, QR-bill errors
- PrepareImport statements, start matching, compute VAT bookings
- Not possiblePosting to Bexio: that stays your approval in the cockpit
- TraceableEvery agent action in the audit log, with the app's identifier
Data protection & security
Swiss client data belongs in Switzerland.
A plain account of where everything lives, so you can document it properly in your record of processing under the Swiss FADP (revDSG).
Stored in Zurich
Database, uploaded files and the audit log are held by Supabase in the Zurich region (eu-central-2).
Processed in the EU
The application runs on Vercel in Frankfurt. Data is processed there, not stored.
Bexio credentials encrypted
Access keys are stored encrypted in a vault and are never passed to the browser or to agents.
Data-minimised AI
The AI only receives computed amounts, dates, names and payment references, no IBANs, addresses, account numbers or whole bank files.
Separation in the database
Row-level access rules: an office can neither read nor change another office's clients, including through the API.
Tamper-resistant log
Imports, matching runs and bookings go into a log the database only allows to be appended to. Existing entries are locked against change and deletion.
Ready for a calmer month-end?
Create an account, connect your first client to Bexio, upload the October statement. You'll see right away what numi prepares for you.