Garden, for the people who do the work.
Thirty years pretending QuickBooks was good enough. Ten years pretending Xero would catch up. Five years bolting Stripe Billing, Ramp, Brex, and four spreadsheets onto those two systems. Garden is one operating system, in one piece — for sole proprietors, finance teams, holding companies, and the bookkeepers who serve them.
Twelve capabilities, line by line.
| Capability | QuickBooks | Xero | Pilot / Bench | Garden |
|---|---|---|---|---|
| Real-time double-entry ledger | — | partial | service | ✓ |
| Multi-entity consolidation | Advanced only | add-on | manual | ✓ default |
| Multi-currency revaluation | limited | ✓ | manual | ✓ FAS 52 |
| Crypto self-custody | — | — | — | ✓ FROST |
| Stablecoin payments | — | — | — | ✓ USDC · USDP · PYUSD |
| Subscription billing engine | Plus add-on | — | — | ✓ Cabbage |
| AI reconciliation that explains itself | — | — | service | ✓ Celery |
| MCP server / agent surface | — | — | — | ✓ on every service |
| Hardware-key signing | — | — | — | ✓ YubiKey · Ledger |
| Native desktop app | Win/macOS legacy | web only | web only | ✓ Tauri 2 |
| ASC 606 / IFRS 15 rev rec | manual | manual | service | ✓ |
| Audit-grade event seal | — | — | — | ✓ blake3 + ed25519 |
Sole proprietors
If it's just you, your laptop, and your customers — Garden Desktop is the only software you need.
- One-keystroke close
- Schedule C chart of accounts
- 1099, W-9, K-1 generation
- Quarterly tax estimates
Startups
From the first invoice to a Series B, Garden grows with you without forcing the migration spreadsheets.
- First 90 days free on Sprout
- Multi-entity at Greenhouse
- ASC 606 revenue recognition
- Investor reporting packs
Holding companies
Multi-entity by default. Consolidate twenty subsidiaries without three accountants and a spreadsheet.
- Automatic intercompany eliminations
- Per-entity charts of accounts
- FAS 52 / IAS 21 translation
- Branded board reporting
Family offices
Quiet, discreet, audit-ready. Pair Garden with your custodians and bring everything into one canonical view.
- Custodian feeds via Branches
- Trust hierarchy with attribution
- Watermarked PDF reporting
- Greenhouse-anchored crypto positions
Bookkeepers
Switch clients with a keystroke. Close five books before lunch.
- Practice console for unlimited workspaces
- Bulk reconciliation
- Templated period-close playbooks
- Shared engagement letters and 1099 batches