The financial operating system for organizations that don’t sleep.
Twelve services keep one sealed book: ledger, billing, treasury, custody, payments, identity, compliance. Humans run it. So do the agents they authorize. It settles on every rail, including chain. It is audit-ready by construction.
Dashboard
Unified financial overview across all services
Monthly recurring revenue
Total cash position
Payment success rate
Pending compliance
Revenue trend
Last 12 monthsCash position
$4,213,550
Across 6 banks · 4 currencies
Recent transactions
| Date | Description | Amount | Status |
|---|---|---|---|
| Jul 1 | Stripe payout · settlement | $48,200.00 | Settled |
| Jul 1 | Wayne Enterprises · invoice GRD-2042 | $18,800.00 | Paid |
| Jun 30 | USDC settlement · Base | $12,040.00 | Confirmed |
| Jun 30 | Soylent Corp · subscription | $920.00 | Pending |
| Jun 29 | Initech · refund | -$320.00 | Refunded |
Operators on Garden — Q2 2026
Twelve services. One canonical book.
Garden is twelve self-contained services that cooperate through a signed event spine. Each is best-in-class on its own. Together they replace your accounting, billing, treasury, custody, compliance, and payment stack.
Bean
Cabbage
Chard
Kale
Greenhouse
Turnip
Sage
Branches
Vine
Celery
Figs
Basil
Agents and humans share the same surface.
The same action, three doors
Operator-grade. Audit-grade. Agent-grade.
Built for organizations that move money continuously across rails, currencies, and counterparties — and that have to defend every cent of it later.
Settled by autonomous organizations on Garden in the last 24 hours.
Active agents authorized under lineage proofs back to a human root.
Chains settled directly into Bean as journal entries — BTC, ETH (+L2s), SOL, USDC, USDP, PYUSD, DAI.
Garden network uptime measured across all primary services this quarter.
Real double-entry. Sealed every period.
Bean is a cryptographically-sealed double-entry ledger. Cabbage produces invoices that post directly to it, with ASC 606 revenue recognition built in. Every artefact binds to a balanced journal entry. Every period closes with a blake3 root.
Ledger & Reports
Journal Entries
Double-entry ledger · hash-chained, sealed at period close
Entries this period
Total debits
Sealed entries
Awaiting review
Recent journal entries
Period 2026-06| Entry | Date | Memo | Debit | Credit | Amount | Status |
|---|---|---|---|---|---|---|
| J-2026-06-29-04417 | Jun 29, 2026 | Cabbage INV-2941 · Northwood Capital | 1100 · Accounts Receivable | 4000 · Software revenue | $14,820.00 | Sealed |
| J-2026-06-29-04416 | Jun 29, 2026 | Stripe payout settlement · batch 8841 | 1010 · Operating · Mercury | 1100 · Accounts Receivable | $48,200.00 | Posted |
| J-2026-06-28-04415 | Jun 28, 2026 | USDC settlement · Base · Vault sweep | 1200 · Crypto · Vault | 2100 · Settlement clearing | $12,040.00 | Posted |
| J-2026-06-28-04414 | Jun 28, 2026 | Sage screening usage · 4,287 cases | 6200 · Compliance expense | 2000 · Accounts Payable | $1,800.54 | Posted |
| J-2026-06-27-04413 | Jun 27, 2026 | Payroll accrual · June cycle 2 | 6000 · Salaries expense | 2300 · Payroll payable | $92,400.00 | Sealed |
| J-2026-06-27-04412 | Jun 27, 2026 | FX revaluation · GBP receivables | 7100 · FX gain/loss | 1100 · Accounts Receivable | $318.90 | Draft |
Bean — Double-entry, deeply
Posted, balanced, sealed. Every journal entry binds to its source artefacts and the previous entry’s blake3 root. Period close is a deliberate, signed act.
Customers & Billing
Invoices
8 total invoices · billing across all customers
Outstanding
Paid MTD
Past due
Drafts
All invoices
Sorted by issue date| Number | Customer | Issue Date | Due Date | Total | Status |
|---|---|---|---|---|---|
| INV-2941 | Northwood Capital LLC billing@northwood.capital | Jun 29, 2026 | Jul 29, 2026 | $14,820.00 | Open |
| INV-2940 | Wayne Enterprises ap@wayne.com | Jun 28, 2026 | Jul 28, 2026 | $18,800.00 | Paid |
| INV-2939 | Soylent Corp finance@soylent.co | Jun 26, 2026 | Jul 26, 2026 | $920.00 | Paid |
| INV-2938 | Initech billing@initech.io | Jun 12, 2026 | Jun 27, 2026 | $6,440.00 | Past Due |
| INV-2937 | Hooli, Inc. ap@hooli.com | Jun 24, 2026 | Jul 24, 2026 | $31,250.00 | Open |
| INV-2936 | Stark Industries billing@stark.com | Jun 20, 2026 | Jul 20, 2026 | $27,400.00 | Paid |
Cabbage — Billing without bolts-on
Subscriptions, usage, milestones, contracts. Tax-correct line items. Issuing an invoice posts to Bean, sends through Basil, enqueues a Chard payment intent — atomic.
Your money, your keys, your terms.
Greenhouse uses FROST threshold signatures across signer devices. Garden is one possible signer, never enough to move funds alone. Every spend is policy-checked before it’s ever signed. Recovery is a guardian ceremony, not an email reset.
Transactions · Crypto Bank
Crypto custody
Self-custody wallets under FROST threshold signing. Garden holds public descriptors and HMR/Sigil lineage — private keys never leave the signer ring.
Assets under custody
Custody wallets
FROST threshold rings
Cold storage share
Wallets & assets
| Wallet | Asset | Network | Custody | USD value | Status |
|---|---|---|---|---|---|
| Treasury · cold/01 | 12.4021 BTCBTC | Bitcoin | FROST 2-of-3 | $812,440.00 | Active |
| Operating · ops/03 | 486,200.00 USDCUSDC | Solana | FROST 2-of-3 | $486,200.00 | Active |
| Reserve · cold/02 | 184.90 ETHETH | Ethereum | FROST 3-of-5 | $612,680.00 | Active |
| Payouts · hot/07 | 94,120.00 USDTUSDT | Ethereum | Single-sig | $94,120.00 | Restricted |
| Escrow · vault/11 | 220,000.00 USDCUSDC | Base | FROST 2-of-3 | $220,000.00 | Active |
| Mint float · sigil/04 | 1,480,900 MINTMINT | Sigil | FROST 2-of-3 | $148,090.00 | Active |
| Guardian · cold/paper | 3.1000 BTCBTC | Bitcoin | FROST 3-of-5 | $203,100.00 | Suspended |
FROST 2-of-3 signer ring
ProvenTransfer cold/01 → ops/03 · 8,041.06 USDC · Solana. Threshold reached; policy-checked within daily band and vendor allowlist.
Treasury you can defend in front of an auditor.
Kale models your treasury policy as code. Sage screens every counterparty against four global lists in milliseconds. Every decision is sealed into Bean — every refusal is explainable.
Treasury
Cash Position
Consolidated cash across all banks, brokers, and self-custody wallets
Total cash on hand
USD balance
EUR balance
Runway
Currency mix
$3,231,710
Across 6 holdings · 3 currencies
Sweep policy
ActiveBank accounts & holdings
| Account | Institution | Number | Type | Balance | Available | Currency | Status |
|---|---|---|---|---|---|---|---|
| Operating | JPMorgan Chase | ••••4821 | checking | $1,247,398.00 | $1,198,420.00 | USD | Active |
| Reserves | Mercury | ••••9013 | savings | $542,100.00 | $542,100.00 | USD | Active |
| Yield | Brex Treasury | ••••2277 | money market | $918,244.00 | $918,244.00 | USD | Active |
| FX Float | Wise | ••••5540 | checking | €84,210.00 | €84,210.00 | EUR | Active |
| Payroll | Silicon Valley Bank | ••••1188 | checking | $312,060.00 | $289,340.00 | USD | Active |
| Cold Storage · 01 | Greenhouse Vault | ••••0xA9 | self custody | 120,400.00 USDC | 120,400.00 USDC | USDC | Restricted |
Kale — Treasury, policy as code
Cash positions across banks, brokerages, and chains in one view. Sweep, hedge, and forecast against your real Cabbage + Chard pipeline.
OFAC Screening
Screen Name
Name
Entity Type
Batch screening · paste names, one per line · OFAC SDN · EU Consolidated · UN · UK HMT
Screening results
2 potential matches · 4 clear| Name | Entity Type | Match Score | Match | Programs | Screened | |
|---|---|---|---|---|---|---|
| Volkov Trading FZE | Business | 96% | Failed | SDNUK-HMT | Jun 29, 2026 12:41 | |
| Reginald Maxwell | Individual | 34% | Completed | — | Jun 29, 2026 12:41 | Dismiss |
| Northwood Capital LLC | Business | 8% | Completed | — | Jun 29, 2026 12:40 | Dismiss |
| Ana Sofia Reyes | Individual | 12% | Completed | — | Jun 29, 2026 12:40 | Dismiss |
| Meridian Shipping Co | Business | 71% | Failed | EU-CSL | Jun 28, 2026 17:22 | |
| Tomás Herrera | Individual | 5% | Completed | — | Jun 28, 2026 17:22 | Dismiss |
Sage — Continuous compliance
KYC, KYB, OFAC, EU consolidated, UN, adverse media. Hits arrive with evidence packets. Decisions seal into Bean’s audit chain.
Every cent matched. Every drift drafted.
Chard routes payments to the cheapest healthy rail with a warm fallback. Celery reconciles bank, processor, on-chain, and ledger sources, drafts adjusting entries, and gates period close on full agreement.
Payouts
Outgoing payouts across ACH, Wire, RTP and USDC rails
In transit
Paid today
Success rate
| Payout ID | Rail | Destination | Amount | Status | Created |
|---|---|---|---|---|---|
| po_2c4f1a | ACH | Chase ····0049 | $48,200.00 | Settled | Jul 1 · 09:14 |
| po_2c4e88 | RTP | Mercury ····6612 | $18,800.00 | Processing | Jul 1 · 08:52 |
| po_2c4d0f | USDC | Base 0x9f…2a1c | $12,040.00 | Settled | Jun 30 · 22:03 |
| po_2c4bd3 | Wire | HSBC ····8801 | €96,500.00 | Processing | Jun 30 · 17:41 |
| po_2c4a71 | ACH | BofA ····5180 | $7,620.00 | Failed | Jun 30 · 11:20 |
| po_2c49a2 | RTP | Brex ····4408 | $920.00 | Settled | Jun 29 · 15:38 |
| po_2c4810 | USDC | Base 0x41…88de | $34,110.00 | Processing | Jun 29 · 10:02 |
| po_2c46ff | Wire | Wise ····2237 | -£320.00 | Canceled | Jun 28 · 19:15 |
Chard — Payment routing without lock-in
Cards, ACH, SEPA, wire, RTP, FedNow, and on-chain settlement. Smart routing on success-rate, fee, and latency. Idempotent everywhere.
Ledger & Reports
Reconciliation
Triangulated matching across Bean ↔ Chard ↔ Branches ↔ Greenhouse
Match rate
Items reconciled
Open discrepancies
Total drift amount
Match results · period close 2026-06
Confidence-scored| Sources | External Ref | Ledger Ref | Amount | Confidence | Status |
|---|---|---|---|---|---|
| Bean ↔ Chard | PAY-88410 | J-04416 | $48,200.00 | 100% | Completed |
| Bean ↔ Branches | ACH-20714 | J-04409 | $31,250.00 | 100% | Completed |
| Chard ↔ Greenhouse | USDC-Base-4471 | J-04415 | $12,040.00 | 98% | Pending |
| Bean ↔ Chard | PAY-88409 | J-04411 | $920.00 | 100% | Completed |
| Branches ↔ Bean | WIRE-55021 | J-04407 | $27,400.00 | 100% | Completed |
| Chard ↔ Greenhouse | FX-GBP-0918 | — | $0.18 | 62% | Open |
Celery — Reconciliation that explains itself
Triangulated matching across Bean, Chard, Branches, and Greenhouse. Drift adjustments are drafted with confidence scores and an evidence chain.
Wherever your money sits, Garden sees it.
Branches normalises bank, custodian, processor, and chain connections into a single balance plane. Kale models FX exposure across every currency you operate in, with hedge policies expressed as code and P&L posted directly to Bean.
Accounts
Linked bank accounts across 6 institutions and 4 currencies
Total balance · USD-equiv
Institutions
| Institution | Role | Balance | Sync status | Last synced |
|---|---|---|---|---|
JPMorgan Chase····0049 · USD | Operating | $1,247,398.00 | Synced | 12s ago |
Mercury····6612 · USD | Reserve | $812,000.00 | Synced | 14s ago |
Wise Business····8801 · EUR | FX float | €284,118.40 | Synced | 1m ago |
Revolut Business····2237 · GBP | FX float | £92,400.00 | Syncing | now |
Brex····4408 · USD | Card | $18,924.00 | Synced | 47s ago |
Bank of America····5180 · USD | Payroll | $76,200.00 | Stale | 9m ago |
Branches — One balance sheet, every bank
Six banks, four currencies, one live total. Sync latency surfaces per connection; stale feeds raise a flag before they break a close.
Treasury
FX Management
Currency exposure, hedge coverage, and realized P&L against policy bands
Net exposure · USD-eq
30-day realized P&L
Unrealized P&L
Portfolio hedged
Hedge policy
DegradedPolicy breaches
2
Pairs below the 70% hedge band
FX positions · USD base
| Pair | Spot | Hedged @ | Exposure | Hedged | 30-day P&L | Band |
|---|---|---|---|---|---|---|
| USD / EUR | 1.0824 | 1.0790 | $284,118.00 | 92% | +$3,120.00 | Settled |
| USD / GBP | 0.7912 | 0.7885 | $92,400.00 | 78% | +$864.00 | Settled |
| USD / JPY | 152.04 | 151.20 | $48,800.00 | 45% | -$210.00 | Overdue |
| USD / SGD | 1.3486 | 1.3450 | $16,200.00 | 0% | +$142.00 | Overdue |
| USD / CAD | 1.3702 | 1.3688 | $58,900.00 | 88% | +$301.00 | Settled |
Kale — FX exposure, hedged in policy
Spot vs. hedged side-by-side for every pair you hold. Hedge bands, 30-day P&L, and policy violations raise alerts straight to the audit chain.
The event spine your stack listens to.
Vine carries every meaningful state change in Garden. At-least-once delivery, exactly-once outbox into Bean, signed envelopes, per-tenant ordered cursors, 90-day replay. Subscribers fan out over HTTP, AMQP, MCP, WebSocket, and SSE.
Settings · Webhooks
Event spine
Signed, at-least-once event delivery across every Garden service with 90-day cursor replay. Ed25519-attested, retried with backoff, dead-lettered on exhaustion.
Events today
Delivery success
Retrying
Cursor
Streaming events
SIGNED · AT-LEAST-ONCE · 90D REPLAY| Event type | Source service | Timestamp | Delivery | Cursor |
|---|---|---|---|---|
| invoice.paid | Cabbage | 13:42:52 | Delivered | 92,014 |
| payment.authorized | Chard | 13:42:41 | Delivered | 92,013 |
| journal.posted | Bean | 13:42:30 | Delivered | 92,012 |
| ofac.hit | Sage | 13:42:19 | Retrying | 92,011 |
| transfer.signed | Greenhouse | 13:42:08 | Delivered | 92,010 |
| sweep.scheduled | Kale | 13:41:57 | Delivered | 92,009 |
| payout.failed | Chard | 13:41:46 | Failed | 92,008 |
| balance.synced | Branches | 13:41:35 | Delivered | 92,007 |
Audit-ready by construction. Designed for the regulator's office, not the demo stage.
- SOC 2 Type IIAudit-ready
- ISO 27001:2022Audit-ready
- PCI DSS 4.0SAQ-D, scope-minimized
- ASC 606 / IFRS 15Built into Bean
- FATF Travel RuleCompliant
- MiCA (EU)Compliant
- GDPR · CCPAData export by default
- GDPR Article 15DSR — 5d SLA
Letters from the operators.
What practicing operators say after they switch.
We replaced QuickBooks, Stripe Billing, and three custom reconcilers with Bean, Cabbage, and Celery. Closed our first month on Garden in two days.
Our agent treasury moves $40M weekly across chains and venues. Without policy-bound Greenhouse, we couldn’t insure the desk. With it, we can.
I’m a sole proprietor with no accountant. Garden Desktop is the first software that explains itself the way an accountant would.
The audit trail saved us a week of forensic reconciliation when our processor flipped jurisdictions. Every dollar traced back to its journal entry.
Threshold custody without a custodian. Hardware-key signing. Reconciled into the same ledger as our wires. This shouldn’t be unusual but it is.
Our agents now issue invoices, screen counterparties, and reconcile drift — all under capability tokens with hard limits. Lineage to a human is not optional.
Pay for what scales. Nothing per seat.
Three of five tiers below. A generous envelope, plus published rates for the things that scale — agents, transactions, custody AUC.
Freelancers, micro-SaaS, side projects with real customers.
- Single-entity double-entry ledger
- Multi-currency with FX revaluation
- Cabbage subscription billing
- Sage KYC / OFAC screening
- Celery AI reconciliation
- MCP with rate limits
Autonomous orgs and mid-market with agents in the loop.
- Up to 10 entities, $50M / yr volume
- Greenhouse FROST t-of-n custody
- x402 agent payments
- Lineage proofs to a human root
- Hardware-key signing
- 99.99% network SLA
Regulated, multi-jurisdiction, books your auditor would die on.
- Unlimited entities and volume
- Dedicated single-tenant deployment
- Direct ISO 20022 / Swift
- Custom signer roster
- Annual external audit support
- On-site onboarding
Questions, answered.
Most operators have the same questions before they switch. These are ours, plain.
Yes — and considerably more. Bean is a real-time, multi-entity, multi-currency, audit-sealed double-entry ledger. Cabbage handles billing. Chard handles payments. Greenhouse handles crypto custody. Sage handles compliance. The whole thing is one operating system, not a stack of bolt-ons.
Greenhouse uses FROST threshold signatures across signer devices. Garden is one possible signer, but never enough to move funds alone. Recovery is a guardian ceremony, not an email reset.
Every service exposes an MCP server and a typed REST API. Agents authenticate with Arsenal capability tokens bound to OAS DIDs. Every action carries a lineage proof back to a human root. Spend limits, address allowlists, and approval quorums apply to agents the same as people.
BTC, ETH (+ Optimism, Arbitrum, Base), SOL, Polygon, Avalanche, Cosmos Hub, Stellar, Hedera, Aptos, Sui, NEAR, Tron, Cardano. USDC, USDP, PYUSD, DAI, USDe.
Yes. Forced agnosticism is a principle. Data export is available at any time, in JSON and CSV. We hold the platform together with cryptographic seals and contracts, not lock-in.
Audit-ready for SOC 2 Type II and ISO 27001:2022. PCI DSS 4.0 SAQ-D scope-minimized. ASC 606 / IFRS 15 built into Bean. FATF Travel Rule and MiCA compliant. See the compliance page for the full list.
Tend the books. Mind the till. Own the keys.
Three chores. One operating system. Both kinds of operator.