🤖 How Agentic Mode Handles Unclear Transactions
When does the system decide — and when does it ask for help?
In Agentic Mode, Hedgi doesn’t just categorize transactions — it actively thinks through ambiguous entries using AI-powered logic. It works like a junior accountant reviewing your books and deciding whether to act or escalate.
Here’s how it handles unclear or edge-case transactions.
🧠Step 1: Categorization Pipeline (Same as Pro)
Every transaction still goes through Hedgi’s full logic chain:
Rule-based categorization
Plaid-to-Hedgi vendor mapping
AI fallback model
Agentic logic layer
If the rule engine or AI model is confident, the transaction is categorized normally — nothing changes.
⚠️ Step 2: Agentic Confidence Check
If a transaction is flagged as low-confidence or contextually ambiguous, Agentic Mode runs a second-layer evaluation:
Checks transaction history with this vendor
Compares category behavior to similar users in the same industry
Looks for recent memos or flags from the user
Analyzes patterns (e.g. recurring amount, vendor match + date range)
It does all of this before making a final decision.
🧾 Step 3: Decision or Escalation
There are two possible outcomes:
âś… Automatic Categorization
If context is clear (e.g., this Uber charge is always categorized as “Travel”), the Agentic layer finalizes the category and adds an explanation to the transaction.
Example:
“Categorized as Travel based on prior behavior with Uber and typical vendor use in your industry.”
🚩 Escalated to “Needs Review”
If there are mixed signals — like a new vendor, inconsistent past categorization, or no business context — Agentic flags the transaction.
Example:
“This purchase from Amazon is unclear. It's a new vendor with mixed-purpose potential. Please confirm or categorize.”
These will appear in your “Needs Categorization” filter and may also be flagged in your Monthly Summary.
đź’¬ Transparent Reasoning
For every Agentic-categorized transaction, a short explanation is attached (visible in audit view). This supports audit trail compliance and gives CPAs confidence in the categorization logic.
âś… Bottom Line
Agentic Mode only categorizes when it's confident — otherwise, it flags the transaction for your review. That way, your books stay automated and accurate.