Continuity checks
A missing statement leaves no gap in the dates. It leaves a gap in the money.
Loan files, disclosure bundles, probate accounts: nobody hands you one statement, they hand you a run of them. And the interesting question is never about one document — it's whether the run is complete. One statement quietly left out, or swapped for an edited one, is invisible in a stack of clean-looking PDFs.
Why checking the dates isn't enough
The obvious check is the calendar: January, February, April — March is missing. Tools that look for gaps this way have two blind spots. A statement that was replaced rather than removed keeps the calendar perfectly intact. And a statement whose period was misread produces a false alarm on a run that is actually fine. The dates describe the paperwork; they don't describe the account.
The account itself obeys a harder rule: the closing balance of each statement must be the opening balance of the next. Money doesn't jump. If a statement in the middle is missing, the chain breaks by exactly the amount that moved in the missing period; if one was altered, the chain breaks around it. Date gaps find a missing month. Balance gaps find missing money.
How the continuity check works here
- Each statement is proven on its own first. Opening balance + every transaction = closing balance, against the numbers the bank printed. A statement that fails its own check stays in the picture — listed in its account group and marked as not certified, never hidden — but a break is only asserted as evidence when every statement in that run carries its own verification record: accusing documents of a gap based on numbers we couldn't prove would be the false confidence this tool exists to prevent.
- Then the records are chained per account — grouped by bank, account digits and currency, so a personal account and a business account at the same bank don't accuse each other of gaps.
- The result names what it can prove. An unbroken run reads as exactly that. A break on a known account is stated with its amount — and it is asserted as a finding («missing or altered») only in the case file, once the preparer confirms those statements are one and the same account: four matching digits alone are not an identity. And when the documents don't print an account number, we say we can't tell whether it's a gap or a different account — an accusation we can't back is worse than none.
Where a run has to hold
- Lending — three or six months of an applicant's statements: complete, or curated?
- Insolvency and forensic accounting — the account history a case is built on, proven end to end.
- Family proceedings — disclosure where leaving one month out is the whole game.
- Probate and guardianship — an administrator showing the estate's movements with nothing unaccounted for.
The continuity check is part of Proof ($99/month) and Case ($149, one-off — 25 conversions for one case file, nothing recurring). Every paid conversion, on any plan, carries its own verification record. The plans, in full →
What it does not claim — said plainly
Continuity is arithmetic, not forensics: a fabricated series whose numbers were made to carry over would still chain. What the check proves is that the run you have is internally complete and consistent — and when it isn't, it names where and by how much, which is the question that matters in a file. What this engine has and hasn't proven on real public documents is on the registry, and the method is measured in the open on the benchmark — failures included, both.