Garden has five subscription tiers with a generous envelope of included usage. Above that envelope, you pay published rates for the things that actually scale: payment volume, custody assets-under-care, agent-event throughput, KYC checks, and document delivery.
Free for the first thousands of dollars in transactions. Talk to us when you outgrow the envelope.
Free/mo
For sole proprietors and developers planting their first ledger.
1 entity
Up to $25,000 / yr
50 invoices / mo
Greenhouse $5,000 cap
1,000 / mo agent events
Bean — single-entity double-entry ledger
Cabbage — basic invoices and one subscription product
Branches — one bank connection (Plaid)
$29/mo
Freelancers, micro-SaaS, side projects with real customers.
1 entity
Up to $250,000 / yr
500 invoices / mo
Greenhouse $50,000 cap
10,000 / mo agent events
Everything in Seed
Multi-currency with FX revaluation
Cabbage — usage billing, proration, dunning
$149/mo
Small finance teams running multiple entities and books that close.
3 entities
Up to $5,000,000 / yr
5000 invoices / mo
Greenhouse $1,000,000 cap
100,000 / mo agent events
Everything in Sprout
Multi-entity consolidation with eliminations
Bean — period close with cryptographic seal
$499/mo
Autonomous orgs and mid-market with agents in the loop.
10 entities
Up to $50,000,000 / yr
∞ invoices / mo
Greenhouse $25,000,000 cap
10,000,000 / mo agent events
Everything in Greenhouse
Greenhouse — FROST t-of-n (custom thresholds)
Greenhouse — guardian recovery ceremony
Talk
Regulated, multi-jurisdiction, and the books your auditor would die on.
∞ entities
Unlimited
∞ invoices / mo
Greenhouse Unlimited
Unlimited agent events
Everything in Orchard
Dedicated single-tenant deployment (option)
Custom SLA, regional residency, multi-region failover
Every rate is published.
| Service | Metric | Included | Rate | Note |
|---|---|---|---|---|
| Chard — payment routing | Volume above tier inclusion | Tier inclusion | 0.20% | Plus interchange and processor passthrough at cost. |
| Chard — FX | Cross-currency conversion volume | $5,000 / mo | 25 bps over mid-market | Reuters EOD reference; live spreads on request. |
| Greenhouse — custody (AUC) | Assets-under-care above tier cap | Tier cap | 8 bps annual | Daily accrual, billed monthly. Cheaper than Anchorage / Fireblocks. |
| Greenhouse — settlement | Outbound on-chain transactions | 100 / mo | $0.20 per tx | Plus on-chain gas at cost; Solana settles for ~$0.0005. |
| Sage — KYC / KYB | Per identity verification | 10 / mo | $1.50 | Provider passthrough plus 10% margin. |
| Sage — sanctions screening | Counterparty screens | 1,000 / mo | $0.02 | Includes OFAC, EU, UN, UK, and 30+ regional lists. |
| Branches — statement parsing | Bank statement pages | 200 / mo | $0.10 | ISO 20022 institutional feeds are free. |
| Vine — webhooks | Outbound deliveries | 1,000,000 / mo | $0.10 per 100k | Replays do not count. |
| Cabbage — invoice delivery | Signed PDF + e-delivery | Tier inclusion | $0.05 | Includes Basil-rendered branded receipts. |
| Bean — agent ledger events | Posted journal entries via MCP | Tier agent-event quota | $0.001 per event | Autonomous-org pricing — see “Bee Pricing.” |
We’ve listened to multi-entity holdings, autonomous orgs, marketplaces, and design partners describe how their actual costs work. None of them fit a per-seat SaaS chart. So we built twelve mechanisms that do.
Free cold archival, indefinitely.
After 7 years, ledger entries become read-only and move to Compost — Garden's content-addressed cold archive. Storage is free, forever. We absorb the cost in exchange for keeping a complete history of how money has moved through Garden, which makes our tooling smarter.
Per-agent metering, not per-seat.
Autonomous orgs are punished by seat-based pricing. Garden meters by the agent identity (OAS DID) and by the action that agent takes. A single human paying a contractor and a 10,000-agent swarm shouldn't be priced the same way — and aren't, here.
A real referral, not a 30-day trial.
Refer another organization that onboards onto Greenhouse or above, and both orgs receive 90 days of next-tier-up features. The credit applies to the same period in which the referral closes, so there is no awkward delay.
Pre-purchase usage credits at a discount.
Buy $1,000 of usage as a Bushel for $850. Bushels apply across volume, custody bps, KYC, and document delivery — anything in the usage table. Treasury teams use them to lock in their forecast.
Move tiers month-to-month with no penalty.
Most SaaS punishes you for resizing — annual lock-ins, downgrade fees, ratchet clauses. Garden lets you upgrade or downgrade at the start of any billing cycle. Estate contracts can include rotation windows for seasonality.
Lock your effective rate for 18 months.
$99 / mo on Sprout or Greenhouse fixes your blended rate (tier + usage) at the lower of your last six months' average or current published rates, even as upstream costs rise. We rebate the difference if rates fall.
For marketplaces and platforms.
Marketplaces processing real volume can opt for a fixed bps revenue share instead of tier + usage — typically 5 bps on settled GMV. Predictable for finance, scaled with us.
Three-year commit grandfather.
Commit to three years on Orchard or Estate and receive a 25% discount, with grandfather rights on every feature your tier currently offers — even if it later moves to a higher tier.
Beta partner pricing.
Customers who agree to be design partners on a new Garden service receive up to 6 months of full pricing relief on that service. They also get a seat at our schema-review table.
Holding companies share costs intelligently.
If you operate multi-entity, Garden charges once for shared services — Bean's audit chain, Sage screening, Vine event spine — across the holding tree, with a 30% co-op discount on per-entity overlap.
On-call human accountants for closes.
Need a Garden-trained CPA on hand for a critical close, transaction, or dispute? Field Day is $99 per seat-day, scheduled or same-day. Closes on weekdays during your subscription are always free of human-time fees.
Your auditors get free read-only access.
Every audit firm engaged with one of your books receives a free read-only Garden seat, scoped to the period being audited. We will not let pricing become the reason your auditor gets a worse copy of your books.
Yes, as long as you stay within the Seed envelope. If you exceed it, we move you to Sprout’s paid rate at the start of the next billing cycle, and we tell you in advance.
No. Seats are unlimited on every tier. We meter the things that scale: volume, custody, agent activity, document delivery.
See Co-op Pricing — 30% discount on shared services across the holding tree, plus consolidated billing.
Yes. Bushels are prepaid usage credits at a discount. Estate contracts can also be prepaid annually.
Drought Insurance fixes your blended rate for 18 months. Crop Rotation lets you change tiers month-to-month.
Yes — 50% off Sprout, Greenhouse, and Orchard for registered non-profits.