If you hold accounts outside the US — an HSBC account in Hong Kong, an RRSP in Canada, an MPF, an NRE account in India — the reporting rules are specific, the penalties are not small, and most of the work is finding out what you actually have. deciqAI starts from your own documents and works forward.
── ── What it does
- Reads your statements and finds the foreign accounts in them
- Checks observed peaks against FBAR and Form 8938 thresholds
- Drafts a Form 8938 and an FBAR transcription worksheet, watermarked as drafts
- Flags every unconfirmed field on a confirmation sheet instead of guessing
- Chases missing documents in English or Chinese — email, upload link, or call
- Covers scenario knowledge from Chinese accounts to RRSPs, MPF, and foreign trusts
What does it check?
It reads the statements and documents you upload, finds the accounts in them, and compares observed peak balances against the FBAR $10,000 aggregate threshold and Form 8938's filing-status thresholds. The FBAR test is the combined peak across all accounts, and the output says so — one account under the line is not an all-clear.
What do I actually get?
A draft Form 8938 filled from your documents and an FBAR transcription worksheet laid out in the order the BSA e-filing system asks for it. Every value that could not be fully sourced from a document lands on a confirmation sheet, every page carries a draft watermark, and no SSN or TIN is ever collected — those stay blank for you to fill by hand.
What if my documents are in Chinese, or my parents' are?
The document chase runs in English or Chinese — the upload page, the reminder emails, and the phone calls all follow the language the client uses. For a population where the paperwork is often split across two languages and two generations, that is the difference between a checklist that gets completed and one that gets abandoned.
FAQ
Can I file what it produces?
No — deliberately. Every page is watermarked as a draft, unconfirmed fields are listed for review, and the filing decision and signature stay with you and your licensed preparer. It gets you to a reviewed draft faster; it does not sign.
Does it collect my SSN?
No. TIN and SSN fields are intentionally left blank on every draft for you to fill in by hand. The agent never asks for them and never stores them.
My accounts are with my family in China — does that work?
That is the population this was built around. The checklist, the upload page, and the chase all run in Chinese as easily as English, and the scenario knowledge covers the account types this population actually holds.