How does an agent change one of these?

update_setting with the key and the new value. list_settings shows the current values, list_setting_history the audit trail, and revert_setting undoes a change.

Why is the income-tax provision zero by default?

Because the platform will not guess a tax rate. The tax envelope's target is the GST position alone until you set the percentage with your accountant.

Finance settings

How settings work

All of these live in the platform settings registry. Each is editable on its Settings page and by an agent through update_setting, with a full history and a one-call revert. Values shown are the platform defaults.

Bank feed

Key	Default	What it does
`finance.bankfeed.chain_guard`	`enforce`	How hard the import refuses a statement that does not chain onto the account it is being imported into
`finance.bankfeed.stale_after_days`	7	How many days behind the feed may fall before it is called stale and named in the digest
`finance.bankfeed.transfer_window_days`	3	How many days apart the two halves of an inter-account transfer may land and still be offered as a pair
`finance.bankfeed.date_window_days`	14	How far apart a payment date and a bank value date may be before linking warns
`finance.bankfeed.cutover_date`	unset	The day this business started invoicing in Biloh; lines before it are pre-Biloh history the cutover triage can bulk-mark
`finance.close.pre_cutover_boundary`	set per tenant	Cutover triage may not sweep lines dated on or after this date

Reconciliation

Key	Default	What it does
`finance.reconcile.bulk_confirm_min_score_pct`	95	Minimum confidence a suggested deposit-to-invoice match needs before the one-tap bulk confirm accepts it
`finance.reconcile.cash_receipt_client_id`	unset	The client a cash or non-invoice deposit is booked against by "Record as a cash receipt"
`finance.vendors.auto_apply_coding_rules`	off	Run the vendor coding rules automatically after a bank import
`finance.vendors.default_gst_treatment`	`gst`	The treatment a new vendor gets when none is stated
`finance.ap.unregistered_gst_enforcement`	`block`	Block or warn when a bill records GST from a contractor not registered for it
`finance.ap.out_of_gate_settlement`	per tenant	Whether settling a bill whose linked client invoice is unpaid warns or is refused
`finance.expenses.gst_estimation`	`off`	How to estimate GST on auto-triaged expenses with no receipt attached

GST evidence and BAS

Key	Default	What it does
`finance.accounting_basis`	`cash`	Basis for period reconciliation; the close, BAS and P&L are cash
`finance.tax.locale`	`AU`	Jurisdiction used by invoice validation and rendering
`finance.gst.receipt_only_threshold_cents`	8250	Below this a purchase needs only a record, not a tax invoice, to claim its GST
`finance.gst.detailed_tax_invoice_threshold_cents`	100000	Above this the tax invoice must also identify you, the buyer
`finance.gst.require_buyer_detail_above_threshold`	false	Refuse to call a large purchase substantiated until its tax invoice is confirmed to name you
`finance.bas.payg_instalment_cents`	0, shown as not set	The PAYG instalment the ATO issued for the quarter

Envelopes

Key	Default	What it does
`finance.envelopes.income_tax_provision_pct`	0	Percent of net cash profit to set aside for income tax on top of the GST position; 0 reports `provision_unset`
`finance.envelopes.buffer_horizon_weeks`	6	How many weeks of scheduled visits the contractor buffer should cover
`finance.envelopes.digest_tolerance_cents`	5000	How far below target an envelope may sit before the digest names it

Shoebox and evidence reading

Key	Default	What it does
`finance.shoebox.aging_window_days`	14	How long a receipt may wait unpaired before the digest names it
`finance.shoebox.pairing_window_days`	14	How many days apart a receipt and a debit may be and still be offered as a pair
`finance.extraction.figure_confidence_min`	0.9	How sure a document read must be before a money figure is stored
`finance.extraction.needs_human_confidence_threshold`	per tenant	Below this confidence a reading is flagged for a person
`finance.extraction.abn_cross_check`	per tenant	Check an ABN read off a document against the ABR

Obligations, assets and the pack

Key	Default	What it does
`finance.obligations.lead_days`	21	How many days before a lodgement or renewal is due the digest starts naming it
`finance.assets.instant_writeoff_threshold`	100000	The most an asset can cost, in cents, and still be written off in full in the year it was bought
`finance.pack.evidence_bundle_max_mb`	200	The most the pack's Evidence folder may hold before it files the index and an overflow note instead
`finance.bookkeeper.backlog_card_cap`	5	How many things the bookkeeper desk may raise as separate cards before it raises one summary card
`finance.bookkeeper.stale_pending_operation_days`	per tenant	How long a staged operation may await approval before it counts as stale

Invoicing, credits and statements

The invoice side has its own keys (numbering, payment terms, dates on send, late fees, statements, credit notes). See how payment terms are decided and invoice send gates and guards.