docs: bank reconciliation phase 1v0.1.49

1 files changed, 15 insertions, 2 deletions

diff --git a/docs/STATE.md b/docs/STATE.md
index e210e1c..8ba7ba6 100644
--- a/docs/STATE.md
+++ b/docs/STATE.md
@@ -124,6 +124,17 @@ check.
     `account`, `range` and `type`; several rules may share a box and are
     summed. Only the `vat` report is consumed today, so the commands accept
     only that report.
+19. **Bank reconciliation (2026-09-20, schema v8)**: phase 1 is mechanical
+    only — `bank.import` (SEB CSV, idempotent via a per-row source hash),
+    `bank.list` with exact-amount suggestions within ±5 days,
+    `bank.match`/`bank.unmatch`. Imported rows are statement evidence,
+    matches are mutable, and **nothing is booked automatically**. Setting
+    `bank_account` (default `1930`). Phase 2 (decided shape): from an
+    unmatched row, open Nytt verifikat with date/description/amount
+    prefilled (F4 template still there); after posting, auto-match the new
+    voucher and stay in the list. Later: `bank_rule.*` pattern suggestions
+    and "skapa verifikat från transaktion". TUI screen **Bankavstämning**
+    under Bokföring.
 
 ## Pending decisions
 
@@ -189,8 +200,10 @@ check.
    `scripts/deploy.sh` over SSH; no registry and no systemd unit (the
    container is the unit).
 9. Password change, user disable, TOTP.
-10. Bank import/reconciliation (CSV first, then PSD2), invoicing/reskontra,
-    AGI/payroll if employees.
+10. ~~Bank import/reconciliation (CSV first).~~ Phase 1 done: SEB CSV import
+    + matching against vouchers (schema v8, decision 19). Next: phase 2
+    prefill-from-transaction and `bank_rule.*`, then PSD2;
+    invoicing/reskontra and AGI/payroll if employees.
 11a. Imported history years whose SIE contains the source's P&L closings
    ("Stäng intäktskonton/kostnadskonton") net to zero in the income
    statement (Kapitas 2022-2026). **Decided 2026-09-19: no importer change.**