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.
Monthly Recurring Revenue
Total Cash Position
Payment Success Rate
Pending Compliance Items
Monthly recognized revenue — last 12 months
Latest payouts processed through Chard
| Date | Description | Amount | Status |
|---|---|---|---|
| Apr 29 | Chard · adyen payout | $14,820.00 USD | settled |
| Apr 29 | Stripe Treasury sweep | $48,200.00 USD | settled |
| Apr 28 | Mercury · wire out · ops/03 | −$120,000.00 USD | pending |
| Apr 28 | Chard · ACH batch | $2,184.50 USD | settled |
| Apr 27 | Greenhouse · USDC settlement | $8,041.06 USD | settled |
Inflows vs outflows — last 6 months
Net Position
$1.91M
Items requiring attention across all services
Pending DSRs
2Failed payouts
1Due payments · 7d
5KYC reviews
3Operators 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_queuedBuilt 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.
| Acct | Account | Debit | Credit |
|---|---|---|---|
| 1100 | Accounts Receivable | $14,820.00 | |
| 2200 | Sales Tax Payable | $1,209.00 | |
| 4000 | Software · subscription | $13,611.00 | |
| Total | $14,820.00 | $14,820.00 | |
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.
| Description | Qty | Rate | Amount |
|---|---|---|---|
| Garden Apex · Orchard plan · 1 mo | 1 | $499.00 | $499.00 |
| Transaction volume · 412k events | 412,000 | $0.018 | $7,416.00 |
| Greenhouse FROST · 18 signers | 18 | $220.00 | $3,960.00 |
| Sage screening · 4,287 cases · 24h | 4,287 | $0.42 | $1,800.54 |
| Compute · usage credits | — | — | $1,144.46 |
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.
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.
Cash positions across banks, brokerages, and chains in one view. Sweep, hedge, and forecast against your real Cabbage + Chard pipeline.
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.
Cards, ACH, SEPA, wire, RTP, FedNow, and on-chain settlement. Smart routing on success-rate, fee, and latency. Idempotent everywhere.
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.
| Institution | Role | Balance | Available | Sync |
|---|---|---|---|---|
JPMorgan Chase····0049 · USD | Operating | $1,247,398.00 USD | 1,124,200.00 | synced12s ago |
Mercury····6612 · USD | Reserve | $812,000.00 USD | 812,000.00 | synced14s ago |
Wise Business····8801 · EUR | FX float | $284,118.40 EUR | 284,118.40 | synced1m ago |
Revolut Business····2237 · GBP | FX float | $92,400.00 GBP | 92,400.00 | synced1m ago |
Brex····4408 · USD | Card | $18,924.00 USD | 18,924.00 | synced47s ago |
Bank of America····5180 · USD | Payroll | $76,200.00 USD | 0.00 | stale9m ago |
Six banks, four currencies, one live total. Sync latency surfaces per connection; stale feeds raise a flag before they break a close.
| Pair | Spot | Hedged @ | Exposure | Hedge | 30d P&L |
|---|---|---|---|---|---|
| USD / EUR | 1.0824 | 1.0790 | $284,118 | 92% | |
| USD / GBP | 0.7912 | 0.7885 | $92,400 | 78% | |
| USD / JPY | 152.04 | 151.20 | $48,800 | 45% | |
| USD / SGD | 1.3486 | 1.3450 | $16,200 | 0% |
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.
INV-2941 · ACME Holdings · $14,820.00
pi_2c4f1a · adyen · 240ms · 3DS
J-2026-04-29-04417 · sealed blake3:9f3a2c…
drift −$0.18 · confidence 0.98
cold/01 → ops/03 · 2 of 3 · USDC
case 7e2c · adverse media · low
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.
