# How MoneyThumb Works

## MoneyThumb Lifecycle

Our processing lifecycle runs in 5 stages:

* [Intake](#intake)
* [Conversion](#conversion)
* [Tagging](#tagging)
* [Scorecard](#scorecard)
* [Output](#output)


### 1. Intake 

* Send documents and third-party data in JSON to the API via [`/uploadpdfs`](/api/pdf-insights/api-reference/other/uploadpdfs).
* Set `accounttype` to your document type. Then, PDF Insights identifies the [supported document type](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=request&path=accounttype) for you.
* You can also send documents and data by email, web portal, or third-party integrations, such as LendSaaS or [Salesforce](/guides/salesforce-integration-guide).


### 2. Conversion 

[PDF Insights](https://www.moneythumb.com/pdf-insights/) converts the raw data into a clean structure for further processing or analysis. It parses text-based PDFs and JSON directly, and routes image-based PDFs through OCR.

During conversion, Reconcilation and PDF Fraud Detection occurs.

#### 2a. Reconciliation

[PDF Insights](https://www.moneythumb.com/pdf-insights/) reconciles each bank statement transaction by confirming the

```
starting balance + deposits − withdrawals = ending balance
```

Check [`reconciled`](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=response&c=200&path=&oneof=0/statement_summaries/results/reconciled) for the reconciliation outcome.

#### 2b. PDF Fraud Detection

[ThumbPrint](/welcome/thumbprint) scores each PDF statement for tampering and inconsistencies, both within a single statement and across statements from the same bank. Our methodology for this is patented.

### 3. Tagging 

[PDF Insights](https://www.moneythumb.com/pdf-insights/) tags transactions into 75+ categories, such as:

* True Revenue
* Debt Obligations
* NSFs
* MCA Positions
* Transfers
* Payroll
* Casino Payments


The benefits of these tags help you determine:

* How transactions impact the business’s financial performance.
* The difference between true revenue and untrue revenue.
* How much money the business owes others.


### 4. Scorecard 

Based on tags, [PDF Insights](https://www.moneythumb.com/pdf-insights/) generates a [scorecard](/api/pdf-insights/api-reference/other/scorecard) for analysis, calculating:

* Monthly Revenue
* Debt
* Operating Expenses
* Risk indicators


For the full Scorecard structure, see the [Scorecard Reference](/api/pdf-insights/scorecard).

### 5. Output 

Depending on what you want to see, results return as a single JSON response containing these objects:

* [`statement_summaries`](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=response&c=200&path=&oneof=0/statement_summaries)
* [`appinfo`](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=response&c=200&path=&oneof=0/appinfo)
* [`scorecard`](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=response&c=200&path=&oneof=0/scorecard)
* [`transactions`](/api/pdf-insights/api-reference/other/uploadpdfs#other/uploadpdfs/t=response&c=200&path=&oneof=0/transactions)


From there, you can either:

* Pull data via the [API](/api/pdf-insights/api-reference).
* Export to Excel/CSV/Google Sheet/JSON.
* Embed the Scorecard UI.
* Share a [signed scorecard URL](/api/pdf-insights/api-reference/other/signedurl).


## Next Steps

PDF Insights Quickstart
Go here for a walkthrough of our API.