Accounting mapper¶


ID	`MOD-093`
System	SD07
Repo	`bank-platform`
Build status	Not started
Deployed	No

What it does¶

MOD-093 is the accounting mapper. It handles all outbound integration to accounting platforms (Xero, MYOB) and direct lodgement channels (IRD myIR API, ATO SBR2), transforming the bank's classified and tax-logic-processed transaction data into the format each destination expects.

Xero integration¶

Xero API (OAuth 2.0) integration supports: - Push pre-classified transactions as bank transactions with account code, tax code, and tracking category pre-populated - Attach receipt files from MOD-091 as Xero file attachments - Create draft GST returns for customer review before filing

The design intent is that Xero becomes a review and accountant-access layer, not a classification layer. The bank does the work; Xero receives clean output.

MYOB integration¶

MYOB AccountRight and Essentials APIs provide equivalent functionality for the AU market where MYOB has stronger SME penetration.

IRD direct lodgement (Phase 4)¶

Direct lodgement via IRD Gateway Services (myIR API) for GST returns. Removes the accounting platform entirely for simple cases — a sole trader or property investor with straightforward accounts can file GST directly from the bank app.

ATO SBR2 (Phase 4)¶

Standard Business Reporting v2 for AU BAS lodgement directly to the ATO.

Accountant export¶

CSV, ICFM, and Xero-compatible export formats for customers who share data with an accountant. The export includes the full audit trail of classification decisions from MOD-088 and MOD-090.

Design phase¶

This module is in design. Build begins in Phase 3 of the Expense Intelligence Platform. See the Expense Intelligence Platform summary for the full implementation roadmap.

Module dependencies¶

Depends on¶

Module	Title	Required?	Contract	Reason
MOD-088	Expense classification engine	Required	`contract/events/`	Pre-classified transactions from MOD-088 are the data source pushed to Xero and MYOB; the accounting code mapping layer operates on classified output.
MOD-092	Tax logic engine	Required	`contract/events/`	Tax logic outputs (GST codes, deductibility flags) are embedded in the accounting payloads sent to Xero/MYOB and in IRD/ATO direct lodgement submissions.
MOD-091	Receipt processor	Optional	`contract/api/`	Receipt files from MOD-091 are attached to Xero transactions as file attachments; accounting export operates without receipts but attachment enrichment requires MOD-091.
MOD-094	Property attribution engine	Optional	`contract/events/`	Property-level P&L from MOD-094 is included in accountant exports and property schedules pushed to Xero; core accounting export operates without property data.

Required by¶

(No modules in this wiki currently declare a dependency on this module.)

Policies satisfied¶

Policy	Title	Mode	How
PRI-001	Privacy Policy	`LOG`	Classified transaction data pushed to Xero and MYOB constitutes personal financial data; all outbound data transfers are logged for data minimisation audits and individual access requests.

Capabilities satisfied¶

(No capabilities mapped)

Part of SD07 — Data Platform & Governance Infrastructure Compiled 2026-05-22 from source/entities/modules/MOD-093.yaml