Branches — Bank connectivity that doesn't break on Mondays.
Branches is the layer between Garden and the banking system. It maintains live connections to your operating accounts via Plaid, MX, Teller, and Finicity for retail-grade access, and directly via ISO 20022, BAI2, MT940, and Swift for institutional. It pulls authoritative balances and statements, exposes ACH origination through partner banks, generates wire instructions, and reconciles every dollar against Bean's expected position.
CONNECT bank:chase:0049 Healthy last sync 2m ago Balance available $1,847,202.18 ledger $1,902,402.18 Pending 3 ACH credits · $54,200.00 · ETA 2026-04-29 Recon Bean cash account 1010 · Δ $0.00 Origin ACH file F-2026-04-28 batch=4 status=accepted
What it does.
8 capabilities, summarized.
- 01Plaid, MX, Teller, Finicity connectivity
- 02Direct ISO 20022 / BAI2 / MT940 / Swift
- 03Authoritative balance and statement sync
- 04ACH origination via partner banks
- 05Wire instruction generation and tracking
- 06Statement reconciliation with Bean
- 07Connection health monitoring with alerts
- 08Beneficial ownership data sync
The technical surface.
- Audience
- both
- APIs
- REST · Webhooks
- Standards
- NACHA · Reg E · ISO 20022
- Partners
- Plaid · MX · Teller · Finicity · Column · Modern Treasury
What it works with.
Chard — Payment routing without lock-in.
A provider-agnostic payment router. Cards, ACH, SEPA, wires, RTP, FedNow, and on-chain settlement — orchestrated through a single contract with smart fallback, dispute mediation, and refund logic.
Cabbage — Billing for businesses with weather.
Subscription, usage, hybrid, prepaid, postpaid, milestone, contract, and one-off billing — with proration, dunning, revenue recognition, and an invoice engine that produces documents you'd actually mail.
Kale — Treasury, but not boring.
Operating cash, FX, sweeps, MMF allocations, and forecasting. Kale models your treasury policy as code and executes it across banks, brokerages, stablecoin pools, and on-chain venues.