Small businesses still pay a human to categorize the same vendor transactions every month because no AI bookkeeper is trustworthy enough to act without oversight

Microbusinesses pay a bookkeeper to manually categorize the same vendor transactions every month because every AI bookkeeping product either acts silently with no per-decision explanation or requires a full-service accountant contract. The liability problem is not that the AI is wrong most of the time, it is that the owner cannot tell which entries are wrong without reviewing all of them. This product solves the liability gap at the entry level: every categorization shows a confidence percentage and the rule or past transaction it matched against, high-confidence entries post automatically, low-confidence entries land in a one-click review queue, and every accepted or overridden decision builds a private rule set for that business.