Books close in two keystrokes.
Garden Desktop is the native client for the whole stack. Fast, offline-tolerant, keyboard-first, encrypted at rest. It pairs with your passkey or a hardware signer.
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 |
For the impatient.
Designed for people who actually close books.
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 |
Live event spine
Every meaningful state change carried on a signed bus. At-least-once delivery, 90-day replay.
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 |
Audit-sealed ledger
Bean's journal entries are cryptographically chained. Sealed period close — defensible by construction.
Audit · last 6 events · all-time chain sealed
- 29 Apr 13:42:08.182journal.postedJ-2026-04-29-04417agent:tomato/0x4f1blake3:9f3a2c…be17
- 29 Apr 13:42:08.094journal.approvedJ-2026-04-29-04417human:cfo@acmeblake3:be1722…3a8f
- 29 Apr 13:41:55.022journal.draftedJ-2026-04-29-04417agent:tomato/0x4f1blake3:3a8f9c…02e1
- 29 Apr 13:41:54.881invoice.postedINV-2941agent:basil/0x281blake3:02e144…ab02
- 29 Apr 13:41:54.612period.opened2026-04human:controllerblake3:ab02f3…7741
- 29 Apr 13:41:42.418invoice.draftedINV-2941agent:basil/0x281blake3:774150…9214
Hash-chained audit log
Every state change is signed and chained. Replay verifies the entire history in seconds.
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.
Hardware-paired custody
YubiKey, Ledger, Trezor. FROST 2-of-3 threshold signing. No single key can move funds alone.
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 |
Treasury policy as code
Multi-bank positions, sweep rules, FX hedging — all expressed declaratively.
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 |
FX hedging on rails
Spot vs. hedged exposure, daily P&L, policy bands — built in. No spreadsheet.
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 |
Multi-bank visibility
Six banks, four currencies, one balance sheet. Branches normalises every connection.
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 |
Continuous compliance
OFAC · EU CSL · UN · UK HMT · adverse media. Hits arrive with evidence packets.
KYC Sessions
Look Up User Sessions
User ID
Verification history
6 sessions · all providers| User | Status | Provider | Created | Completed | |
|---|---|---|---|---|---|
| usr_9f2e81c4 | Completed | persona | Jun 27, 2026 14:02 | Jun 27, 2026 14:09 | Verify |
| usr_9f2e81c4 | Completed | persona | Mar 12, 2026 09:41 | Mar 12, 2026 09:52 | Verify |
| usr_4471b0aa | Pending | persona | Jun 29, 2026 11:17 | — | Verify |
| usr_c30d97f2 | Completed | onfido | Jun 24, 2026 16:33 | Jun 24, 2026 16:41 | |
| usr_c30d97f2 | Failed | onfido | Jun 24, 2026 16:05 | Jun 24, 2026 16:12 | |
| usr_77aa10e9 | Created | persona | Jun 29, 2026 12:58 | — |
KYC that explains itself
Document, liveness, sanctions, PEP, adverse media — chained, sealed, posted to Bean on approval.
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 |
Reconciles itself
Triangulated matching across Bean ↔ Chard ↔ Branches ↔ Greenhouse with drift drafts.
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 |
Billing without bolt-ons
Invoices that post to Bean, dispatch through Basil, queue Chard payment intents — atomic.
Customers · 24 of 142
| Account | Entity | MRR | Contracts | Status | Health |
|---|---|---|---|---|---|
| ACME Holdings | 1042-A | $14,820.00 | 4 | active | good |
| Forerun Labs | 1089-B | $4,016.67 | 2 | active | good |
| Northwood Capital | 1147-C | $3,200.00 | 1 | trial | watch |
| Helsinki & Co | 1162-D | $2,840.50 | 3 | active | good |
| Marsh Bay Trading | 1184-A | $1,915.00 | 1 | delinquent | risk |
| Pinnacle Insurance | 1199-B | $1,720.00 | 2 | active | good |
Customers in the book
Every customer carries MRR, contracts, and health in real time. No CRM export needed.
sub_2941 · Forerun Labs · Orchard plan
| Line item | Qty | Rate | Subtotal |
|---|---|---|---|
| Garden Apex · Orchard plan | 1 | $499.00 | $499.00 |
| Volume · 38k events / mo | 38,000 | $0.018 | $684.00 |
| Greenhouse · 6 signers | 6 | $220.00 | $1,320.00 |
| Sage screening · 1,200/mo | 1,200 | $0.42 | $504.00 |
| Bean entries · unlimited | — | — | incl. |
Subscriptions, properly
MRR, ARR, ASC 606 rev rec — all derived from the contract, not bolted on.
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 |
Smart payment routing
Cards, ACH, SEPA, wire, RTP, FedNow, on-chain. Routed on success-rate × fee × latency.
USD → EUR · ACME → Northwood Capital · $14,820.00
| # | Rail | Fee | Latency | Success | Score | Verdict |
|---|---|---|---|---|---|---|
| 1 | Wise · SEPA Instant | $3.20 + 0.41% | 8 s | 99.78% | 96 | routed |
| 2 | Adyen · SEPA | $1.80 + 0.55% | T+1 | 99.62% | 88 | standby |
| 3 | Fedwire → SWIFT | $25.00 | T+0 | 99.94% | 79 | standby |
| 4 | USDC · base · 0x→0xblocked · counterparty no on-chain | $0.04 gas | 12 s | 99.91% | 71 | skipped |
| 5 | ACH NACHAexceeds latency target | $0.40 | T+2 | 98.10% | 42 | skipped |
Route advisor
Per-corridor scoring across every rail. Picks the right one before money leaves.
POST /v1/payments · live
curl -X POST https://api.gardens.ml/v1/payments \
-H "Authorization: Bearer sk_live_····················" \
-H "Idempotency-Key: pi_2c4f1a" \
-d @- <<'JSON'
{
"amount": 1482000,
"currency": "USD",
"from_entity": "did:oas:org:acme",
"to_entity": "did:oas:org:northwood",
"corridor": "USA->EU",
"policy": "lowest_fee_under_60s"
}
JSONHTTP/1.1 200 OK
content-type: application/json
vine-event-id: evt_91a8c4f
chard-rail: wise-sepa-instant
bean-journal: J-2026-04-29-04417
{
"id": "pi_2c4f1a",
"status": "routed",
"rail": "wise-sepa-instant",
"fee": "$3.20",
"estimated_eta": "8s",
"settlement": {
"expected": "2026-04-29T17:42:16Z",
"currency": "EUR",
"amount": "13,710.42"
}
}API + MCP, every service
Typed REST and MCP descriptors for every service. Your agents call the same surface humans do.
The fingertips of an eight-year senior controller.
- ⌘ Kopen command palette
- ⇧ ⌘ Pswitch workspace
- ⌥ ⌘ 1-9switch entity
- ⌘ Nnew journal entry
- ⌘ Inew invoice
- ⌘ Rreconciliation pane
- ⌥ ⌘ Cclose current period
- ⌘ Ssign greenhouse transaction
- ⌘ Eexport ledger view
- ⌥ ⌘ Aopen agent console
- ⌘ ,preferences
- ?show all keys