FinMo · GRID-HANDOFF-FINMO-001 v1.2

Feature Matrix

148 features across 15 sections. Phase 1 must-haves: 60 (53 engineering + 7 operational). The matrix is the scope contract - additions route through the decision register in FINMO-HANDOFF-009, not conversation.

148
FEATURES
60
P1 MUST-HAVES
4,226
HUMAN HRS
1,204
AGENT HRS
15
SECTIONS
v1.2
SPEC VERSION
CORE Base entitlement
CONSOLE Practitioner console (part of core)
MODELS Models pack (P2)
GLOBAL Global pack (P3)
RAILS Rails pack (P5+)
PEOPLE People pack (P4)
AGENT Agent surfaces
P1 Phase 1 (Core)
P2 Phase 2
P3 Phase 3+
P4 Phase 4
P5+ Phase 5+
M Must
S Should
C Could
A · General Ledger Double-entry journal, chart of accounts, dimensions, periods, audit trail
IDFeaturePackPhasePriTypeSzHumanAgent
A01
Double-entry journal
Immutable posted entries, reversing corrections only
COREP1MNEWL7023
A02
Unlimited chart of accounts
No account caps at any tier; account numbers, types, sub-accounts
COREP1MNEWS102
A03
Journal entry editor
Direct JE creation with multi-line splits, memo, attachments
COREP1MNEWM287
A04
Batch journal entry
Grid-style rapid entry, tab-through, copy-down, paste from spreadsheet
COREP1MNEWM287
A05
Recurring entries
Templates with schedule, auto-draft to review queue
COREP1MNEWS102
A06
Classes and locations
Unlimited tracking dimensions, no tier gating
COREP1MNEWS102
A07
Custom dimensions
User-defined tags on postings (department, project)
COREP2SNEWS102
A08
Multi-currency postings
FX-aware amounts with realized/unrealized gain handling
COREP2SNEWM287
A09
Period close and lock
Soft close, hard close, authorized reopen with reason
COREP1MNEWM287
A10
Audit trail
Full actor/source/approval history on every posting, exportable
COREP1MNEWM287
A11
Drill-anywhere
Any report figure drills to postings to source document
COREP1MNEWM287
A12
Attachments
Documents on entries, bills, invoices; OCR capture queue
COREP1SNEWS102
A13
Intercompany entries
Mirrored entries across books in the same firm portfolio
COREP3CNEWM287
A14
Fixed assets and depreciation
Asset register, depreciation schedules, auto-posted monthly depreciation entries
COREP2SNEWM287
B · Banking & Reconciliation Aggregator feeds, rules engine, reconciliation workspace
IDFeaturePackPhasePriTypeSzHumanAgent
B01
Bank feeds
Aggregator-based feeds (D-F2), multi-account
COREP1MINTM287
B02
Feed health monitor
Per-connection status, staleness alerts at firm level
CONSOLEP1MGRIDS102
B03
Rules engine
Deterministic categorization rules, firm-level rule libraries shareable across books
COREP1MNEWM287
B04
Agent categorization
Agent-proposed categorization with confidence, to review queue
AGENTP2SGRID-XM287
B05
Reconciliation workspace
Statement-based rec with running difference, keyboard-first matching
COREP1MNEWL7023
B06
Auto-match
Suggested matches (amount, date, counterparty), one-key accept
COREP1MNEWM287
B07
Bank rule import/export
Portable rule sets between books and firms
CONSOLEP2SNEWS102
B08
Undeposited funds handling
Payment batching to deposits
COREP1MNEWS102
B09
Statement import fallback
OFX/QFX/CSV import when feeds unavailable
COREP1MNEWS102
C · Sales (AR) Invoicing, payments acceptance, AR aging, sales tax
IDFeaturePackPhasePriTypeSzHumanAgent
C01
Invoicing
Branded invoices, line items, terms, partial payments
COREP1MNEWM287
C02
Recurring invoices
Schedules with auto-send or draft-for-review
COREP1MNEWS102
C03
Estimates to invoices
Convert flow
COREP2SNEWS102
C04
Online payment acceptance
Card/ACH via processor, fees booked automatically
COREP1MINTM287
C05
Customer statements
Balance-forward and open-item statements
COREP1MNEWS102
C06
AR aging
Aging by book and aggregated across portfolio
COREP1MNEWM287
C07
Dunning automation
Reminder ladders, firm-configurable
COREP2SGRID-XS102
C08
Sales tax
Rate tables, agency liabilities, filing-ready reports
COREP1MNEWM287
C09
Retainers and deposits
Liability-correct retainer workflows for services firms
COREP2SNEWS102
C10
Credit memos and refunds
Customer credits, refund processing, application to open invoices
COREP1MNEWM287
C11
Progress invoicing
Percentage or milestone billing against estimates
COREP2SNEWS102
D · Purchases (AP) Bill capture, vendor management, AP aging, 1099 tracking
IDFeaturePackPhasePriTypeSzHumanAgent
D01
Bill capture
Manual entry plus email-in and OCR draft
COREP1MNEWM287
D02
Bill approval workflow
Client-side approval routing with thresholds
COREP2SGRIDS102
D03
Bill payment
ACH/check via payment partner, batch pay runs
COREP2SINTM287
D04
Vendor management
W-9 capture, 1099 tracking and year-end preparation
COREP1MNEWM287
D05
AP aging
Per book and portfolio-level
COREP1MNEWS102
D06
Expense claims
Simple client employee reimbursement flow
COREP3CNEWS102
D07
Check printing
Formatted check runs on standard stock, register-tracked check numbers
COREP2SNEWS102
D08
Vendor credits
Vendor credit capture and application to open bills
COREP1MNEWS102
D09
Purchase orders
PO creation, bill matching, open PO reporting
COREP2SNEWM287
E · Reporting Core statements, versioned definitions, comparatives, cash/accrual toggle
IDFeaturePackPhasePriTypeSzHumanAgent
E01
Core statements
P&L, balance sheet, cash flow, trial balance, GL detail
COREP1MNEWL7023
E02
Versioned report definitions
Saved reports never silently change (INV-6)
COREP1MNEWM287
E03
Comparative periods
Any-period comparison, budget vs actual
COREP1MNEWM287
E04
Consolidated reporting
Multi-entity consolidation with eliminations
COREP3SNEWL7023
E05
Management report packs
Branded monthly packages assembled per client, batch-generated across portfolio
CONSOLEP2MGRIDM287
E06
Report scheduler
Automated delivery post-close
CONSOLEP2SGRIDS102
E07
Custom report builder
Row/column definitions on the metrics layer
COREP3SNEWL7023
E08
Export fidelity
XLSX/CSV/PDF exports that match screen exactly
COREP1MNEWS102
E09
Cash vs accrual toggle
One-key basis switch on any report, correct AR/AP/prepaid treatment
COREP1MNEWM287
E10
Budget authoring
Budget creation by account and dimension, per fiscal year, feeds E03
COREP2SNEWM287
F · Practitioner Console Portfolio dashboard, close board, exception queue, review/approve
IDFeaturePackPhasePriTypeSzHumanAgent
F01
Portfolio dashboard
All books: close status, exceptions, feed health, deadlines
CONSOLEP1MNEWL7023
F02
Close board
Kanban/checklist per book per period, templated close procedures
CONSOLEP1MNEWM287
F03
Exception queue
Cross-book queue of unmatched, uncategorized, out-of-balance items
CONSOLEP1MNEWM287
F04
Review and approve
Staff-prepared, reviewer-approved workflow with diff views
CONSOLEP1MGRIDM287
F05
Batch operations
Apply rules, generate reports, send statements across selected books
CONSOLEP2MNEWM287
F06
Cross-book search
One search across all portfolio transactions and contacts
CONSOLEP1MNEWM287
F07
Firm roles and permissions
Partner, manager, staff, client roles; per-book assignment
CONSOLEP1MNEWM287
F08
Client portal
Client-facing task list: approve, upload, answer queries
CONSOLEP2MNEWL7023
F09
Query threads
Per-transaction questions to clients, resolved inline
CONSOLEP2SNEWS102
F10
Work timers and notes
Optional per-book time capture for firm billing
CONSOLEP3CNEWS102
F11
Firm branding
White-label client-facing surfaces per firm
CONSOLEP2SNEWS102
F12
Batch reclassify
Select many postings, move account/class/location in one operation, posted as reversing pairs per INV-1
CONSOLEP1MNEWS102
G · Speed & Control Keyboard model, command palette, sub-100ms, dense mode - the Desktop brief
IDFeaturePackPhasePriTypeSzHumanAgent
G01
Full keyboard model
Every core workflow keyboard-completable, documented map
COREP1MNEWM287
G02
Command palette
Fuzzy jump to any book, screen, account, or action
COREP1MNEWM287
G03
Sub-100ms interactions
Local-first cache, optimistic UI on ledger operations
COREP1MNEWL7023
G04
Desktop client
Native shell (D-F5) with offline read cache
COREP2SNEWXL15070
G05
Stable layouts
Screen layouts versioned, changes opt-in per firm (principle 2)
COREP1MNEWS102
G06
Dense mode
Information-dense grid views, practitioner default
COREP1MNEWS102
G07
Muscle-memory imports
Optional QuickBooks Desktop keyboard shortcut scheme
COREP2CNEWS102
H · Migration QBO importer, verification factory, signed-variance mechanism
IDFeaturePackPhasePriTypeSzHumanAgent
H01
QBO importer
COA, contacts, open items, history via API/exports
COREP1MINTL7023
H02
Desktop importer
QBB/QBW-derived import path (via IIF/exports)
COREP2MINTM287
H03
Verification factory
Automated trial-balance diff vs source, blocking gate, human sign-off
COREP1MGRID-XM287
H04
Migration workspace
Firm-level pipeline view of client migrations in flight
CONSOLEP2SNEWM287
H05
Xero/Wave importers
Secondary sources
COREP3CINTM287
H06
Signed-variance mechanism
When source books do not reconcile, documented variance acceptance with firm sign-off; variance carried as permanent record on the book
COREP1MNEWM287
I · Models Pack Live-bound financial models, scenario branches, Excel round-trip
IDFeaturePackPhasePriTypeSzHumanAgent
I01
Model library
Curated templates: 3-statement, 13-week cash, budget, scenario, valuation
MODELSP2MNEWL7023
I02
Live ledger binding
Actuals flow from ledger; assumptions editable
MODELSP2MNEWL7023
I03
Scenario branches
Fork assumptions, compare side by side
MODELSP2MNEWM287
I04
Model sharing
Client-shareable, firm-brandable, view or edit rights
MODELSP2MNEWS102
I05
Spreadsheet grid engine
Formula grid with named ranges, familiar Excel semantics
MODELSP2MNEWXL15070
I06
Excel import/export
Round-trip with the existing model library
MODELSP2MINTM287
I07
Model marketplace
Firm-published templates, revenue share
MODELSP4CNEWL7023
I08
Covenant and KPI monitors
Threshold alerts fed by live actuals
MODELSP3SGRID-XM287
J · Global Pack Partner-powered international money movement (Wise Platform or Airwallex per D-F3)
IDFeaturePackPhasePriTypeSzHumanAgent
J01
Partner integration
Wise Platform or Airwallex embedded rails (D-F3)
GLOBALP3MINTL7023
J02
Contractor payouts
Batch international payouts with mid-market FX display
GLOBALP3MINTM287
J03
Multi-currency balances
Partner-held wallet balances surfaced in ledger
GLOBALP3MINTM287
J04
Auto reconciliation
Every payout auto-books with fees and FX gain/loss
GLOBALP3MGRID-XM287
J05
Payout approvals
Dual-control approval on money movement
GLOBALP3MGRIDS102
J06
Receiving accounts
Local receiving details for client invoicing abroad
GLOBALP4SINTM287
J07
FX margin monetization
Configurable platform margin per firm agreement
GLOBALP3MNEWS102
K · Rails Pack Crypto receipt, stablecoin payouts, digital asset ledger - Phase 5+
IDFeaturePackPhasePriTypeSzHumanAgent
K01
Crypto receipt
Accept payment in supported assets via partner, auto-convert option
RAILSP5SINTM287
K02
Stablecoin payouts
Contractor payment in stablecoins via partner rails
RAILSP5SINTM287
K03
Digital asset ledger
Cost basis, lots, gain/loss treatment native in the journal
RAILSP5MNEWL7023
K04
Wallet registry
Read-only wallet tracking and reconciliation
RAILSP5SNEWS102
K05
Token issuance toolkit
Client token creation via partner infrastructure
RAILSP6CINTL7023
K06
Internal token economies
Department budgeting on token models, ledger-mirrored
RAILSP6CNEWM287
L · People Pack Embedded payroll, firm payroll console, contractor 1099 lifecycle
IDFeaturePackPhasePriTypeSzHumanAgent
L01
Embedded payroll
Partner-powered payroll under FinMo UI (D-F4)
PEOPLEP4MINTL7023
L02
Payroll-to-ledger native
Runs post as first-class ledger events, no journal import
PEOPLEP4MNEWM287
L03
Firm payroll console
Run and review payroll across client books
PEOPLEP4MNEWM287
L04
Contractor 1099 lifecycle
Onboarding through year-end filing prep
PEOPLEP4MNEWM287
L05
Benefits surface
Partner benefits enrollment passthrough
PEOPLEP5SINTM287
L06
ASO toolkit
Compliance calendar, onboarding packets, policy library per client
PEOPLEP5SNEWM287
L07
Agentic service layer
Agents draft filings, reconcile benefits, monitor compliance, behind approval gates
AGENTP5SGRID-XM287
M · Agents & Automation Review queue, categorization agent, agent activity ledger - all behind Human Approval Gate
IDFeaturePackPhasePriTypeSzHumanAgent
M01
Review queue
Unified human approval surface for all agent proposals (INV-3)
AGENTP2MGRIDM287
M02
Categorization agent
Transaction coding proposals with confidence and rationale
AGENTP2MGRID-XM287
M03
Reconciliation agent
Match proposals on complex many-to-many cases
AGENTP3SGRID-XM287
M04
Anomaly agent
Unusual amount/counterparty/timing flags at portfolio level
AGENTP3SGRID-XM287
M05
Close checklist agent
Drafts close tasks from book activity, tracks completion
AGENTP3SGRID-XS102
M06
Client query drafting
Agent-drafted client questions on unclear transactions
AGENTP3CGRID-XS102
M07
Agent activity ledger
Every agent action logged to the event spine, ArcCharter-registered identity
AGENTP2MGRIDS102
N · Platform Multi-tenant isolation, entitlement engine, event spine, SSO/MFA, export
IDFeaturePackPhasePriTypeSzHumanAgent
N01
Multi-tenant isolation
Firm and book scoping in data layer (INV-8)
COREP1MGRIDL7023
N02
Entitlement engine
Pack flags per firm and per book
COREP1MGRIDM287
N03
Event spine
All domain events to ClickHouse per analytics doctrine
COREP1MGRIDM287
N04
Public API
Read/write API with scoped keys, webhooks
COREP3SNEWL7023
N05
SSO and MFA
Firm-level SSO, mandatory MFA options
COREP1MGRIDM287
N06
Backup and export
Full-fidelity firm data export at any time, no hostage data
COREP1MNEWM287
N07
Sandbox books
Practice/training books flagged out of reporting
COREP2CNEWS102
N08
Usage analytics
Firm-facing dashboards on ECharts per VIZ doctrine
COREP3SGRIDM287
N09
Wholesale billing and price locks
Firm-level billing across client books, contractual price-lock term management, pack metering to invoice
COREP3MNEWM287
O · Time & Projects Time tracking, billable-to-invoice, projects and matters - wedge-critical for services firms
IDFeaturePackPhasePriTypeSzHumanAgent
O01
Time tracking
Timers and timesheets per staff, per client, per project/matter, billable flag and rate
COREP1MNEWM287
O02
Billable time to invoice
Unbilled time review, select-and-invoice flow, WIP visibility
COREP1MNEWM287
O03
Projects and matters
Project entity on transactions, time, and invoices; open/closed lifecycle
COREP1MNEWM287
O04
Project profitability
Revenue, cost, and time rolled up per project with margin reporting
COREP2SNEWM287
O05
Rate cards
Firm and client-level billing rate schedules by role or person
COREP2SNEWS102
P · Tax Bridge & Workpapers Books-to-tax gap: TB export, AJE workflow, workpaper binder - v1.2 addition
IDFeaturePackPhasePriTypeSzHumanAgent
P01
Tax-line mapping
Every account mappable to tax return lines (1120, 1120S, 1065, Sch C, 990); firm-level mapping templates by entity type
COREP1MNEWM287
P02
Trial balance export to tax software
Formatted TB exports for Lacerte, UltraTax, Drake, ProConnect, CCH Axcess; grouped by tax line per P01
COREP1MNEWM287
P03
Adjusting entry workflow
Entry type flags (AJE, reclass, tax-basis-only), post-close adjustment cycle with reviewer approval, one-click client-books vs tax-basis TB
COREP1MNEWM287
P04
Book-to-tax differences
Tax-basis parallel balances, M-1/M-2 support schedules, permanent vs timing difference tracking
COREP2SNEWM287
P05
Workpaper binder
Lead sheets by account grouping, account reconciliations tied to support documents, preparer/reviewer sign-off states
COREP2MNEWL7023
P06
PBC request lists
Client document request lists tied to workpaper items, fulfilled through the client portal
CONSOLEP2SNEWM287
P07
Engagement archive
Locked year-end binder export (PDF and XLSX) with verification hashes for firm records
COREP2SNEWS102
P08
Prior-year comparison
TB, AJE, and mapping comparison against the prior engagement, carryforward of recurring adjustments
COREP2SNEWM287
Q · Trust & Operations SOC 2, DR drills, tax-season freeze, support SLA - v1.2, prerequisites not chores
IDFeaturePackPhasePriTypeSzHumanAgent
Q01
SOC 2 pre-GA
Type I complete before first non-design-partner firm signs; Type II clock starts at GA
COREP1MNEWM287
Q02
Status page and incident comms
Public status, subscribed incident notifications, published postmortems
COREP1MGRIDS102
Q03
Tested disaster recovery
Defined RPO (15 min) and RTO (4 hr), restore drills on schedule, drill results available to firms
COREP1MNEWM287
Q04
Tax-season change freeze
Deployment freeze windows (Jan 15 to Apr 20, Sep 15 to Oct 15) except critical fixes; published calendar
COREP1MNEWS102
Q05
Practitioner support SLA
Deadline-aware priority support; close-week and filing-week response commitments in writing
COREP1MNEWS102
Q06
E&O and cyber insurance
Coverage in place pre-GA; certificates available to firms on request
COREP1MNEWS102
Q07
Data commitments
Data processing agreement, breach notification terms, no-training-on-client-data commitment in plain language
COREP2SNEWS102