| --- |
| license: cc-by-4.0 |
| pretty_name: RecBench |
| tags: |
| - finance |
| - reconciliation |
| - entity-matching |
| - synthetic |
| size_categories: |
| - 100M<n<1B |
| --- |
| |
| # RecBench — an open benchmark for financial transaction reconciliation |
|
|
| RecBench is a synthetic, fully-reproducible benchmark for the core problem |
| of financial operations: **matching a company's internal ledger against |
| processor settlement reports and bank statements**, at the scale large |
| fintechs operate (up to 100M transactions/year), with exact ground truth |
| and a standard evaluation. |
|
|
| Built by [End Close](https://endclose.com). Generator code Apache-2.0; |
| datasets CC BY 4.0. |
|
|
| ## Why |
|
|
| No open reconciliation benchmark exists. Vendors publish only marketing |
| match-rate claims. RecBench provides what the adjacent entity-matching |
| field has had for a decade (Magellan, Leipzig, WDC): public data, exact |
| labels, canonical metrics, published generator. |
|
|
| ## The task |
|
|
| Three-way reconciliation over three record collections: |
|
|
| - **`ledger/`** (side A) — the company's internal view: charges, refunds, |
| disputes, across 6 currencies and 3 processors |
| - **`settlement_lines/` + `payouts/`** (side B) — processor reports: |
| gross/fee/net arithmetic, FX conversion, timezone sales-day batching |
| - **`bank_statements/`** (side C) — deposits net of everything, degraded |
| references, noise lines |
|
|
| A submission must (1) pair ledger transactions with settlement lines, |
| (2) pair payouts with bank deposits, (3) un-bundle deposits whose |
| settlement report is missing (subset-sum matching), and (4) flag the |
| records that *cannot* be matched. Difficulty spans exact matches through |
| FX/fee arithmetic, date-boundary shifts, partial captures, duplicated |
| lines, missing references, and provably-ambiguous cases — every case |
| labeled, so results break down by difficulty type. |
| See [docs/DIFFICULTY.md](docs/DIFFICULTY.md). |
|
|
| ## Tiers |
|
|
| | tier | ledger rows | total rows (all tables) | size (zstd parquet) | generation time* | seed | |
| |---|---|---|---|---|---| |
| | small | 1.0M | ~4.3M | 67 MB | ~20 s | 1042 | |
| | medium | 10.0M | ~43M | 644 MB | ~2 min | 1043 | |
| | large | 100.1M | ~430M | 6.0 GB | ~19 min | 1044 | |
|
|
| \* single core, Apple Silicon. All tiers simulate one year plus a 14-day |
| settlement tail; the large tier has ~3.6M payouts (53k of them subset-sum |
| unbundling cases). Any tier regenerates byte-identically from its seed: |
|
|
| ```bash |
| python3 -m venv .venv && source .venv/bin/activate # Python >= 3.11 |
| pip install -e . |
| recbench generate --tier small --out data/small # canonical seed |
| recbench generate --tier small --seed 99 --out data/x # fresh private set |
| ``` |
|
|
| ## Evaluation |
|
|
| ```bash |
| python eval/evaluate.py --dataset data/small --submission my_submission/ |
| ``` |
|
|
| Headline metric: **auto-match rate at ≥ 99.9% pair precision** (industry |
| convention — a false match is far costlier than an exception), plus |
| precision/recall/F1 per difficulty slice, payout-matching and |
| deposit-unbundling scores, and exception-detection accuracy. Submission |
| format: [eval/submission_format.md](eval/submission_format.md). Reference |
| baselines (`eval/baselines/`): a perfect oracle and a naive exact-rules |
| matcher that motivates the benchmark: |
|
|
| | metric | naive baseline | |
| |---|---| |
| | ledger↔settlement F1 | 0.996 | |
| | auto-match rate @ P≥99.9% | **0.000** — duplicate lines poison its top confidence tier | |
| | missing-reference recall | 0.644 | |
| | deposit unbundling (group-exact) | 0.000 | |
| | exception recall | 0.000 | |
|
|
| The last few percent are the benchmark. |
|
|
| ## Contamination-resistant evaluation |
|
|
| Ground truth for canonical tiers is public for reproducibility. To evaluate |
| systems that may have trained on it, mint a fresh set from a private seed — |
| same difficulty distributions, entirely different records. Please keep the |
| `truth_*`/`labels_*` files out of crawlable training corpora. |
|
|
| ## Repository layout |
|
|
| ``` |
| recbench/ seeded deterministic generator (config in recbench/config/) |
| eval/ evaluator, submission format, reference baselines |
| docs/ SCHEMA, DIFFICULTY, EVALUATION, METHODOLOGY, DATASHEET |
| scripts/ canonical release build + Hugging Face upload |
| tests/ determinism, accounting-invariant, and evaluator tests |
| ``` |
|
|
| ## Citing |
|
|
| > RecBench: an open benchmark for financial transaction reconciliation. |
| > End Close, 2026. https://endclose.com |
|
|
| ## Versioning |
|
|
| Dataset version = generator version (currently 0.1.0, pre-release). Results |
| are comparable only within a version; every dataset's `manifest.json` |
| records version, seed, config hash, and per-file sha256. |
|
|
