BrightMatch Flow 3.0.0

BrightMatch Flow 3.0.0 accompanies WeMoney's categorization taxonomy V2.2. Transaction category codes move from the former direction-rooted structure to 16 purpose-based domains, and category direction, HEM type, serviceability role and risk are now explicit attributes rather than being implied by the code.

New category structure

Category codes previously began with a direction root — expense.*, income.* or transfers.*. In V2.2 they begin with one of 16 purpose-based domains instead:

housing, utilities, dining, leisure, healthcare, insurance, loan, investment, financial, income, transfer, education, services, shopping, transport, and unknown.

Direction is no longer implied by the code. Each stream and transaction category now carries explicit attributes:

• allowedDirection — DEBIT, CREDIT or BOTH
• serviceabilityRole — how the category is treated in serviceability (e.g. LIVING_EXPENSE, FIXED_COMMITMENT, DEBT_REPAYMENT, INCOME), with a separate credit-side role for categories that can go both ways
• riskSignal — a flag on categories that contribute to risk metrics

HEM changes

The hemCategory enum adds hem_not_applicable for categories that sit outside the HEM benchmark (transfers, loan disbursements, and similar). The previous excluded_non_basic value is retired for V2.2 categories but remains documented as deprecated, since it can still appear in payloads categorised under the earlier taxonomy.

New categories

29 categories are new in V2.2:

dining.eating_out.bakery, financial.child_support, financial.tax, healthcare.medicare, income.super, insurance.car, insurance.health, insurance.home, insurance.life_funeral, investment.property.capital_proceeds, investment.property.rental_income, investment.super, transfer.cash, unknown, and the loan.* family — loan.bnpl, loan.car, loan.consumer_lease, loan.credit_card, loan.debt_collection, loan.early_wage_access, loan.personal_loan, loan.property, loan.sacc, loan.student_loan — together with their disbursement and repayment sub-nodes.

Merged categories

Eight groups of v1 codes now map to a single V2.2 category:

• education.course_fees ← course fees + higher education
• healthcare.general_medical ← general medical + medical extras (default)
• healthcare.pharmacy ← medication + pharmacy
• income.government ← child care support + energy supplements + rent assistance
• investment ← transfers in/out from/to investments
• loan.property.disbursement ← loan drawdown + redraw
• transfer.external ← expense/income transfers and reimbursements
• transfer.internal ← transfers in/out from/to savings

Split categories

Eight v1 codes now map to several V2.2 categories, routed by the transaction description:

• lottery/gambling → leisure.gambling / leisure.lottery
• asset purchase → investment.crypto.purchase / investment.shares.purchase
• dental/optical → healthcare.dental / healthcare.optical
• medical extras → healthcare.general_medical / healthcare.other_allied_health
• restaurants/cafes → dining.eating_out.cafe / dining.eating_out.restaurant
• carer payments → income.government.carer_allowance / income.government.carer_payment
• investment capital proceeds → investment.crypto.proceeds / investment.shares.proceeds
• loan drawdown → loan.personal_loan.disbursement / loan.property.disbursement

Renamed and moved

A further 50 categories were renamed and 38 moved to a new parent domain. The complete v1-to-v2 mapping — every code, covering renames, moves, merges and splits — is available as a migration crosswalk on request.

See the updated Flow documentation for the full V2.2 schema reference.