Twelve cooperating services keep one canonical book — ledger, billing, treasury, custody, payments, identity, and compliance. Operable by humans and the agents they authorize. Settles on every rail, including chain. Audit-ready by construction.
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
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.
Open Garden Desktop, hit ⌘K, and type. Every action in every service is reachable in one bar.
⌘K Issue invoice for ACME Holdings ⌘N Post journal entry — new ⌘S Sign transfer · 2-of-3 · CFO + CEO ⌘I Run OFAC + EU + UN screen ⌥⌘C Close period 2026-04 (seal blake3)
One descriptor per service. Your agent fetches the schema and calls the same actions under a capability-scoped Arsenal token.
// .mcp.json
{
"mcpServers": {
"garden": {
"command": "garden",
"args": ["mcp", "--scope", "default"],
"env": {
"GARDEN_DID": "did:oas:org:acme",
"GARDEN_ACT": "arsenal:act_7d…"
}
}
}
}
> garden mcp call cabbage.invoices.issue \
--customer acme:1042-A \
--line "Orchard plan,1,$499" \
--policy "approval > 5000 USD"Same actions, idempotency-keyed. Every response carries lineage headers binding the call to its journal entry, event id, and routing decision.
# Same action. Typed REST.
curl -X POST https://api.gardens.ml/v1/cabbage/invoices \
-H "Authorization: Bearer arsenal:act_7d…" \
-H "Idempotency-Key: inv_iss_acme_2941" \
-d '{
"customer": "acme:1042-A",
"lines": [{"sku": "S-ORC", "qty": 1}],
"policy": "approval > 5000 USD"
}'
# < HTTP/1.1 200 OK
# < bean-journal: J-2026-04-29-04417
# < vine-event-id: evt_91a8c4f
# < chard-status: intent_queuedPlanter is a drop-in billing drawer — invoices, payment methods, usage, crypto, plan management, and checkout — for any Auth v4 / Keystone platform, rebrandable by any tenant. Clerk did this for auth. Planter does it for money. Everything below is the real component.
Hives
Atlas Labs · billing
Billing by Garden
Spend this period
$4,980.20
Projected invoice
$5,410.00
Next: Jul 1, 2026
Recent activity
Northstar API
Northstar API · billing
Powered by Garden
Spend this period
$1,290.00
Projected invoice
$2,140.00
Next: Jul 1, 2026
Recent activity
Powered by Garden
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.
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.
Bean · Accounting
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 |
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.
Cabbage · Billing
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 |
Subscriptions, usage, milestones, contracts. Tax-correct line items. Issuing an invoice posts to Bean, sends through Basil, enqueues a Chard payment intent — atomic.
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.
GREENHOUSE · /crypto/custody-accounts
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.
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.
Kale · Treasury
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 |
Cash positions across banks, brokerages, and chains in one view. Sweep, hedge, and forecast against your real Cabbage + Chard pipeline.
SAGE · /compliance/ofac
Continuous OFAC, EU Consolidated, and UN Security Council screening. Every disposition is sealed to the audit chain on decide.
Cleared
Sanctions hits
Pending review
Escalated to reviewer
Screening results
| Subject | Entity | Lists matched | Match score | Screened | Decision |
|---|---|---|---|---|---|
| Wayne Enterprises | Business | OFAC · EU · UN | 2.1% | 2m ago | Success |
| Reginald Maxwell | Individual | EU Consolidated | 71.0% | 1h ago | In Review |
| Soylent Corp | Business | OFAC · EU · UN | 4.8% | 3h ago | Success |
| Nakatomi Trading Ltd | Business | OFAC SDN | 88.4% | 5h ago | Blocked |
| Jane Doe | Individual | OFAC · EU · UN | 12.3% | 6h ago | Pending |
| Initech Holdings | Business | UN Security Council | 0.9% | 9h ago | Success |
| Anton Vasiliev | Individual | OFAC SDN · EU | 84.0% | 1d ago | Blocked |
KYC, KYB, OFAC, EU consolidated, UN, adverse media. Hits arrive with evidence packets. Decisions seal into Bean’s audit chain.
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.
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 |
Cards, ACH, SEPA, wire, RTP, FedNow, and on-chain settlement. Smart routing on success-rate, fee, and latency. Idempotent everywhere.
Celery · Accounting
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 |
Triangulated matching across Bean, Chard, Branches, and Greenhouse. Drift adjustments are drafted with confidence scores and an evidence chain.
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.
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 |
Six banks, four currencies, one live total. Sync latency surfaces per connection; stale feeds raise a flag before they break a close.
Kale · Treasury
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 |
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.
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.
VINE · /dev/events
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 |
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.
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.
Autonomous orgs and mid-market with agents in the loop.
Regulated, multi-jurisdiction, books your auditor would die on.
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.
Three chores. One operating system. Both kinds of operator.
