Branches· Money
Bank connectivity that doesn't break on Mondays.
Plaid is a connector. Branches is a balance plane. Six banks, four currencies, normalised into one canonical balance sheet with sync-latency surfaced per connection — so a stale feed raises a flag before it breaks a close.
Garden Financial
Search...⌘K
3AACME Holdings
NRNina
Accounts
Linked bank accounts across 6 institutions and 4 currencies
Total balance · USD-equiv
$2,531,040.40
6 accounts linked
Institutions
6
4 currencies
| 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 |
GARDEN DESKTOP / LINKED ACCOUNTSThe actual UI. No marketing simulator.
Categorized stream
Every transaction, categorized and reconciled in flight.
Branches normalizes raw bank activity from every connection into one stream. Each row carries ISO 20022 category codes, sub-ledger mapping, and live recon status. Drift opens a Celery case automatically. By the time you see the row, the case is drafted.
BRANCHES · /transactions/stream
Live transaction stream · 11 of 1,247 today · normalized
IN · TODAY$448,340.18+12.4% vs 7d avg
OUT · TODAY$236,410.42payroll cycle peak
MATCHED · BEAN 1,246 of 1,24799.92%
DRIFT CASES1 open · $0.18FX timing · case-7a91
| Time | Bank | Amount | Counterparty | Category | Recon |
|---|---|---|---|---|---|
| 14:02:11 | JPM ····0049 | +$14,820.18 | ACME Holdings · INV-2941pi_2c4f1a | AR | drift · case |
| 13:58:04 | Mercury ····6612 | +$48,200.00 | Forerun Labs · sub_2941 renewalpi_8c11ae | AR | matched · Bean |
| 12:14:21 | Wise EUR ····8801 | +$184,920.00 | Helsinki & Co · invoicepi_4f12be | AR | matched · Bean |
| 11:42:08 | JPM ····0049 | −$112,200.00 | Gusto · bi-weekly payrollach_payroll | payroll | matched · Bean |
| 10:58:17 | JPM ····0049 | −$27,720.00 | IRS · 1042-S withholdingirs_fire | tax | matched · Bean |
| 09:14:02 | Brex ····4408 | −$2,400.00 | AWS · vendor paymentv_aws_2940 | AP | matched · Bean |
| 08:47:11 | Wise EUR ····8801 | −$13,710.42 | Northwood Capital · payoutwise_sepa | AP | matched · Bean |
| 08:12:09 | Mercury ····6612 | −$180.00 | Wire fee · routingfee_904 | fee | matched · Bean |
| 07:42:01 | JPM ····0049 | +$80,000.00 | Mercury sweep · dailyswp_2941 | transfer | matched · Bean |
| 07:42:01 | Mercury ····6612 | −$80,000.00 | JPM sweep · dailyswp_2941 | transfer | matched · Bean |
| 06:58:14 | Greenhouse cold/01 | +$120,400.00 | USDC · base · client 0x8f1ctx_02e1be | custody | matching... |
every row carries a sub-ledger mapping · category derived from ISO 20022 codes + counterparty history · drift opens a Celery case automaticallyPlaid · MX · Teller · Finicity · ISO 20022
Branches vs. aggregators
Bank connectivity that doesn't break on Mondays.
Plaid alone is a single point of failure. Branches stacks four aggregators behind one contract.
| Capability | Plaid | MX | Teller | Branches |
|---|---|---|---|---|
| Connector breadth | ✓ 12k | ✓ 6k | limited | ✓ all + direct ISO |
| Statement parsing | ✓ | ✓ | — | ✓ + PDF backup |
| Authoritative balance | ✓ | ✓ | ✓ | ✓ multi-source quorum |
| Statement reconciliation | — | — | — | ✓ Celery |
| ACH origination | limited | — | — | ✓ NACHA |
| Wire instructions | — | — | — | ✓ |
| Multi-currency | limited | limited | — | ✓ |
| Agent-fetchable | — | — | — | ✓ MCP |
Agent-native
Agents read balance, never write rails.
Read access is broad. Write access (ACH origination, wire) is capability-gated. An agent can check balances before a Chard transfer. It cannot originate a wire unless you explicitly authorise it.
agent session · branchesact_br…
› branches.ach.originate { batch: "payroll · June cycle 2" }✓ capability branches.ach.originate · payroll only✓ balance verified · $1.84M available at Chase← file F-2026-06-29 accepted · settles tomorrowsealed · reconciles against Bean 1010 automatically
One exchange. Real tool names.Full API reference →
Capability matrix
What Branches connects.
- 01Plaid, MX, Teller, Finicity, and direct ISO 20022 connectivity
- 02Multi-source quorum for authoritative balance
- 03Statement parsing with PDF fallback for institutions without API
- 04ACH origination (NACHA, same-day, next-day, debit + credit)
- 05Wire instructions (Fedwire, SWIFT, IBAN handling)
- 06Multi-currency balance normalisation
- 07Sync latency monitoring per connection
- 08Triangulated reconciliation with Celery
Companions in Money
The services that work with this one.
Sage
Twelve services. Branches is one.