User transactions
Every upload is appended to the saved list — matching always runs against the whole database.
Bank statement UTRs
Statement uploads and manual UTRs are stored separately and accumulate over time.
How it works
Upload either list at any time — verification runs immediately against everything already saved. We detect exact duplicates, digit swaps, OCR confusion (O→0, l→1, S→5), missing and extra digits, modified letters, sequential and repeated number patterns, and score every transaction from 0 to 100.