Financial data,
finally connected.
Bentod turns fragmented financial data into one connected, intelligent system—linking transactions, invoices, settlements, accounts, and business entities across the systems you already use.
RC-1049281
West Africa / EMEA
Acme Food Services, Acme Logistics
Your financial data doesn’t speak one language.
Every system has its own format, identifier, terminology, and source of truth. Disparate schemas turn routine reconciliation into manual forensic research.
Bank Feeds
POS Terminals
Accounting
Payment Processors
Enterprise ERP
Invoices & PDFs
Receipts & Cards
Spreadsheets
One layer between every financial system.
Bentod sits between disparate financial sources and the downstream applications that require absolute data integrity.
Bentod Financial Data Layer
Normalizes · Resolves Entities · Reconciles · Structures
OCR, ISO20022 & CSV Normalization
Alias & Counterparty Matching
Bi-directional Node Traversal
Double-entry Verification
Connect everything.
Bring your financial systems together without rebuilding the stack you already have. Bentod ingests structured and unstructured records across all operational rails.
Bank Open Feeds
MT940 / CAMT.053 / OFX / Plaid
Payment Gateways
Webhooks / Settlement Batches
ERP & Accounting
NetSuite / QuickBooks / Xero / SAP
Point of Sale
Batch settlement & terminal journal
Unstructured Documents
PDF Invoices / Scan OCR / Receipts
Internal Databases
Postgres / Snowflake / Custom Webhooks
Bentod understands the messy parts.
Raw financial payloads are filled with inconsistent descriptions, cryptic bank codes, truncated names, and missing keys. Bentod extracts and standardizes every dimension.
TRF-29381/NIP/CBN/ACME FOODS SERVICES/SETTLE/₦4,820,000.00
{"event":"charge.success","id":"ch_849201","amt":4850000,"fee":30000}
INV #4812 | Acme Foods Ltd. | Total: ₦4,900,000 (Withholding: ₦80k)
TERM_BATCH_893 | POS#04 | REF: ACME-04 | ₦4,850,000.00
ACCT_REC_DEPT3 | JRNL_8921 | DR: CASH 4.82M | CR: AR 4.85M
{
"event_id": "evt_fin_948201",
"canonical_entity": "Acme Foods Ltd.",
"counterparty_tax_id": "RC-1049281",
"transaction_type": "COMMERCIAL_SETTLEMENT",
"amounts": {
"gross_invoice": "₦4,900,000.00",
"processor_fee": "₦30,000.00",
"withholding_tax": "₦50,000.00",
"net_bank_credit": "₦4,820,000.00"
},
"currency": "NGN",
"settlement_rail": "NIP_DIRECT_CLEARING",
"reconciliation_status": "MATCHED",
"audit_trail": {
"bank_ref": "TRF-29381-CBN",
"gateway_id": "ch_849201",
"invoice_id": "INV-4812"
}
}It knows when different records are actually the same thing.
A vendor might appear under one legal name in corporate registry filings, a shorthand on payment memos, an account number in an ERP, and a trading alias in a contract. Bentod automatically resolves them into one canonical entity.
ACME FOODS LTD.
RC-1049281
West Africa / EMEA
5 Ingested Keys
Total value: ₦68,420,000 across 3 subsidiaries
100% matched to legal invoice schedules
Every transaction has a story.
A transaction isn’t an isolated number in a table. It is an evolving lifecycle with commercial origins, intermediate payment gateways, fees, settlement batches, and double-entry general ledger credits.
Commercial Invoice
₦4,900,000.00
₦80,000.00
₦4,820,000.00
Mar 12, 2026
Reconciliation without the detective work.
When amounts in your bank, payment gateway, and billing platform differ due to processing fees, withholding taxes, and timing windows, Bentod calculates the exact variance.
INV-4812
₦4,900,000
Gross billed amount to Acme Foods Ltd
SETTLE_2921
₦4,850,000
₦4,900,000 gross minus ₦50,000 commercial discount
TRF-29381
₦4,820,000
₦4,850,000 payment minus ₦30,000 merchant interchange fee
Net Zero Unreconciled Balance
Commercial discount applied
-₦50,000
Processor gateway fee deducted
-₦30,000
Settlement cycle delay
T+1 clearing
From financial noise to structured data.
Bentod outputs consistent, strongly typed financial models designed for high-scale querying, automated audits, and downstream financial automation.
FinancialEntity
Normalized company profile, tax IDs, legal aliases & jurisdiction
CommercialTransaction
Atomic gross/net value, currency, fees, timestamps & rail IDs
SettlementBatch
Processor batches, netting calculations & bank deposit confirmations
GraphRelationship
Bi-directional links between entities, invoices, wires & ledger entries
DoubleEntryJournal
Balanced debits and credits ready for GAAP/IFRS export
DiscrepancyException
Surfaced variances, unexplained fees, and timing mismatches
Build on a financial graph.
Access normalized financial entities and relationships through one consistent, high-performance interface. Query across payment rails, banks, and ledgers in a single API call.
{
"id": "ent_acme_9921",
"canonical_name": "Acme Foods Ltd.",
"tax_identifier": "RC-1049281",
"resolved_aliases": [
"ACME FOODS LIMITED",
"Acme Foods",
"ACME FOOD SERVICES",
"CUSTOMER_29831"
],
"linked_accounts": 4,
"lifetime_settlements": "₦482,910,000.00",
"status": "verified"
}The more fragmented the data, the more useful Bentod becomes.
Traditional financial tooling breaks down as operations span multiple subsidiaries, diverse payment rails, and global currencies. Bentod becomes more resilient as complexity compounds.
Subsidiary Entities
Payment Sources
Global Currencies
Daily Reconciled Records
Unified across global currencies and settlement rails.
Bentod standardizes cross-border transactions into canonical financial graphs while preserving original currency values, FX timestamps, and local rail clearing references.
USD
Fedwire / ACH
EUR
SEPA / Target2
GBP
FPS / BACS
NGN
NIP / Central Bank
KES
M-Pesa / RTGS
ZAR
SARB / RTC
Built for businesses that move money.
Different operational models share the same fundamental challenge: disconnected financial data. Bentod provides the common intelligence layer across industries.
Fintechs
Multi-rail ledger orchestration & reconciliation
Marketplaces
Split payouts, vendor settlements & merchant holds
Enterprise
Multi-subsidiary intercompany financial consolidation
E-commerce
Chargebacks, cross-border gateways & fulfillment links
Restaurants
POS batch splits, delivery platforms & daily payouts
Healthcare
Insurance claims, patient co-pays & billing codes
Logistics
Freight bills, fuel surcharges & carrier payables
SaaS
Subscription billing, deferred revenue & tax reconciliation
Financial Institutions
Normalized core banking & loan servicing streams
The financial layer beneath the business.
Bentod sits quietly between fragmented financial systems and the mission-critical applications that need to understand them.
Disparate Feeds
Bank wires, payment processors, POS terminals, PDF invoices, and legacy ERP ledgers.
Intelligence & Graph Layer
Connect → Normalize → Understand → Resolve → Reconcile → Structure
Downstream Systems
Automated accounting, tax reporting, treasury risk management, and underwriting workflows.
AI is how Bentod understands what traditional integrations cannot.
Financial records are messy by nature: duplicated transaction memos, cryptic SWIFT references, handwritten receipts, and changing vendor names. Traditional brittle regex rules fail when formats shift. Bentod uses semantic AI models grounded in double-entry arithmetic to interpret relationships deterministically.
Infers missing merchant IDs through graph adjacency.
Extracts tax breakdown and line items from PDF invoices.
Every AI match is verified against ledger balance rules.
Financial data should be
connected by default.
Bentod is building the infrastructure layer that makes it possible.
Build on better financial data.
Connect your banks, payment gateways, ERPs, and internal records into one intelligent financial graph.