ai-bookkeeper files bank lines with rules, payee memory, a learned model and built-in keywords. To see how the keywords do on merchants nobody wrote a rule for, we read a fresh page of Hack Club's public HCB feed (transparent organisations only; fetched at run time, never copied): 631 card charges.
- Before any new rule: 44.8% got a suggested account (283 lines).
- The misses were a long tail: MailerLite, Tello Mobile,
SHELL/SHELL, Alro Steel, Bambu Lab, CheapOair and similar. Rules for those take it to 50.2% (317). That second number is tuned on the same data, so it is a ceiling, not a forecast. - Bare
amazonis 150 of the 631 charges and stays blank on purpose: the text cannot say what was bought.
These memos carry no category, so this measures coverage, not whether the suggestion is right. A labelled set of real books is still the thing we want.