Books close in two keystrokes.
Garden Desktop is the Tauri-built native client over the entire Garden stack — Bean, Cabbage, Greenhouse, Branches, Sage, Vine. Fast, offline-tolerant, keyboard-first, encrypted at rest. Pairs with a passkey or a hardware signer.
Garden Financial · v1.3.2 — DesktopLIVE
Search…⌘K
AACME Holdings
Dashboard
Updated Apr 29 at 14:02
Monthly Recurring Revenue
$284,910
↑ +8.1%Total Cash Position
$1,907,203
3 currenciesPayment Success Rate
99.74%
↑ +0.18Pending Compliance Items
2
Needs attentionRevenue Trend
Monthly recognized revenue — last 12 months
MayJunJulAugSepOctNovDecJanFebMarApr
Recent Transactions
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 |
Cash Flow Summary
Inflows vs outflows — last 6 months
Net Position
$1.91M
NovDecJanFebMarApr
InflowsOutflows
Action Items
Items requiring attention across all services
Pending DSRs
2Failed payouts
1Due payments · 7d
5KYC reviews
3FIG. 0.A — GARDEN DESKTOP / DASHBOARDThe actual UI. No marketing simulator.
One line · any shell
For the impatient.
Detects OS & arch, verifies sha256, installs. Inspect the script first if you’d like.
Features
Designed for people who actually close books.
VINE · /dev/events
Event spine · streaming
cursor 92,010
- 13:42:08Cabbageinvoice.issuedinfo
INV-2941 · ACME Holdings · $14,820.00
- 13:42:19Chardpayment.authorizedok
pi_2c4f1a · adyen · 240ms · 3DS
- 13:42:30Beanjournal.postedok
J-2026-04-29-04417 · sealed blake3:9f3a2c…
- 13:42:41Celeryrecon.draftedinfo
drift −$0.18 · confidence 0.98
- 13:42:52Greenhousetransfer.signedok
cold/01 → ops/03 · 2 of 3 · USDC
- 13:43:03Sageofac.hitreview
case 7e2c · adverse media · low
SIGNED · AT-LEAST-ONCE · 90D REPLAY attested ed25519
Live event spine
Every meaningful state change carried on a signed bus. At-least-once delivery, 90-day replay.
BEAN · /accounting/journal-entries
J-2026-04-29-04417
ENTITYACME Holdings · US-Parent
SOURCECabbage · INV-2941
POSTEDApr 29, 14:02:05 UTC
PREV ROOTblake3:dba14e…
| 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 | |
Balanced · debits = creditsroot blake3:9f3a2c10e7…
Audit-sealed ledger
Bean's journal entries are cryptographically chained. Sealed period close — defensible by construction.
BEAN · /accounting/audit-trail
Audit · last 6 events · all-time chain sealed
filterjournal.*invoice.*period.*+ 12 more
- 29 Apr 13:42:08.182journal.postedJ-2026-04-29-04417agent:tomato/0x4f1blake3:9f3a2c…be17
- 29 Apr 13:42:08.094journal.approvedJ-2026-04-29-04417human:cfo@acmeblake3:be1722…3a8f
- 29 Apr 13:41:55.022journal.draftedJ-2026-04-29-04417agent:tomato/0x4f1blake3:3a8f9c…02e1
- 29 Apr 13:41:54.881invoice.postedINV-2941agent:basil/0x281blake3:02e144…ab02
- 29 Apr 13:41:54.612period.opened2026-04human:controllerblake3:ab02f3…7741
- 29 Apr 13:41:42.418invoice.draftedINV-2941agent:basil/0x281blake3:774150…9214
each row hash-chains to its predecessor · replay verifies in 2.1sretention · 90-day hot, 7-year cold
Hash-chained audit log
Every state change is signed and chained. Replay verifies the entire history in seconds.
GREENHOUSE · /crypto/custody-accounts
Transfer · cold/01 → ops/03 · USDC
S-01CFO
S-02CEO
S-03ops/03
S-04Auditor
S-05Guardian
AMOUNT$8,041.06USDC · Solana · settle T+0
- Policy check within $5,000/day band
- Allowlist vendor_9b matched
- Threshold2 of 3 reached
Hardware-paired custody
YubiKey, Ledger, Trezor. FROST 2-of-3 threshold signing. No single key can move funds alone.
KALE · /treasury/cash-position
Cash Position · across 5 holdings
TOTAL CASH ON HAND
$2,932,142.18
+4.2% MoM14.2 mo runway @ current burn
12-week trendUSD-equivalent · daily close
POSITIONS3 banks · 1 broker · 1 vault
- JPMorgan ChaseOperating$1,247,398.0065%
- MercuryReserves$542,100.0028%
- Brex TreasuryYield$918,244.0047%
- Wise · EURFX float€84,210.005%
- Greenhouse · cold/01Self-custody$120,400.006%
Treasury policy as code
Multi-bank positions, sweep rules, FX hedging — all expressed declaratively.
KALE · /treasury/fx-management
FX positions · 4 pairs · USD base
NET EXPOSURE · USD-EQ$441,518.00
30D P&L
$+4,217.00+0.96%
POLICYmin 70% hedged when EUR/GBP > $80k
| 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% |
rates refresh every 5s · spot from Wise mid + overrideP&L posts as fx_pnl line to Bean
FX hedging on rails
Spot vs. hedged exposure, daily P&L, policy bands — built in. No spreadsheet.
BRANCHES · /transactions/linked-accounts
Linked accounts · 6 banks · 4 currencies
| 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 |
TOTAL · USD-equiv$2,531,040.40
Multi-bank visibility
Six banks, four currencies, one balance sheet. Branches normalises every connection.
SAGE · /compliance/ofac
Case 7e27-baaf · Reginald Maxwell
RM
Reginald Maxwell
Counterparty · KYC under review
DOB 1973-07-12GBMercury · ····7102$48,200 inbound
case 7e27-baafopened 1h ago
- OFAC SDNno matchconf 0.99 clear
- EU ConsolidatedReginald Maxwell · UK · 1973-07-12conf 0.71review
- UN Security Councilno matchconf 0.99 clear
- Adverse media2 sources · sanctioned counterpartyconf 0.84review
- PEPSenior political exposure · Tier 2conf 0.88review
Sealed on decide · audit chain
Continuous compliance
OFAC · EU CSL · UN · UK HMT · adverse media. Hits arrive with evidence packets.
SAGE · /compliance/kyc-sessions
KYC · session 3f81-0a2c · Reginald Maxwell
RM
SUBJECTReginald MaxwellDOB · 1982-03-14 · UK
CASE3f81-0a2copened 4 min ago
ROUTEUK individual · standardSLA · 24h
- Government IDOnfidopassport · United Kingdommatch
- Liveness selfieOnfido98.4% similaritymatch
- Address proofVeriffutility · 1 mo oldmatch
- OFAC / EU / UNSageno list hitsclear
- PEP screeningSageno political exposureclear
- Adverse mediaSage1 low-confidence articlereview
evidence pack · 11 docs · sealed blake3:7a91…posts to Bean on approval · vine event queued
KYC that explains itself
Document, liveness, sanctions, PEP, adverse media — chained, sealed, posted to Bean on approval.
CELERY · /accounting/reconciliation
Period close · 2026-04
99.74% matched · 30d1 drift drafted
Bean
Chard
Branches
Greenhouse
Bean
—
1.00
1.00
1.00
Chard
1.00
—
1.00
0.98
Branches
1.00
1.00
—
1.00
Greenhouse
1.00
0.98
1.00
—
Chard ↔ Greenhouse · drift −$0.18conf 0.98 · FX residue · adjustment drafted
Reconciles itself
Triangulated matching across Bean ↔ Chard ↔ Branches ↔ Greenhouse with drift drafts.
CABBAGE · /billing/invoices
INV-2941 · ACME Holdings
FROMACME Holdings, Inc.228 Greenpoint Ave · Brooklyn, NY 11222did:oas:org:acme · entity 1042-A
TONorthwood Capital LLC14 St James Sq · London SW1Y 4LBbilling@northwood.capital
ISSUED 2026-04-29NET 30 daysDUE 2026-05-29CURRENCYUSD
| 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 |
ASC 606 rev rec scheduled Posts to Bean on issue Chard intent queued · adyen primary
Total due
$14,820.00Billing without bolt-ons
Invoices that post to Bean, dispatch through Basil, queue Chard payment intents — atomic.
CABBAGE · /billing/customers
Customers · 24 of 142
filter·all·health·any
sort · MRR ↓| Account | Entity | MRR | Contracts | Status | Health |
|---|---|---|---|---|---|
| ACME Holdings | 1042-A | $14,820.00 | 4 | active | good |
| Forerun Labs | 1089-B | $4,016.67 | 2 | active | good |
| Northwood Capital | 1147-C | $3,200.00 | 1 | trial | watch |
| Helsinki & Co | 1162-D | $2,840.50 | 3 | active | good |
| Marsh Bay Trading | 1184-A | $1,915.00 | 1 | delinquent | risk |
| Pinnacle Insurance | 1199-B | $1,720.00 | 2 | active | good |
Customers in the book
Every customer carries MRR, contracts, and health in real time. No CRM export needed.
CABBAGE · /billing/subscriptions
sub_2941 · Forerun Labs · Orchard plan
MONTHLY RECURRING REVENUE
$4,480.00+$300 (7.2%) MoM
ARR$53,760.00
START2024-11-04
NEXT BILL2026-06-04
CYCLEMonthly · USD
| Line item | Qty | Rate | Subtotal |
|---|---|---|---|
| Garden Apex · Orchard plan | 1 | $499.00 | $499.00 |
| Volume · 38k events / mo | 38,000 | $0.018 | $684.00 |
| Greenhouse · 6 signers | 6 | $220.00 | $1,320.00 |
| Sage screening · 1,200/mo | 1,200 | $0.42 | $504.00 |
| Bean entries · unlimited | — | — | incl. |
ASC 606 rev rec is straight-line monthlycontract_4f81 · evidence_pack 17 docs
Subscriptions, properly
MRR, ARR, ASC 606 rev rec — all derived from the contract, not bolted on.
CHARD · /payments/routing
Payment intent pi_2c4f1a · auth
RAIL DECISION · success-rate × fee × latencypolicy: cap fee at 3.0% · target p50 ≤ 500ms
- Adyen · Card2.6% + $0.10240 ms99.74%ROUTED
- Stripe · Card· warm standby2.9% + $0.30280 ms99.40%warm
- ACH NACHA· latency target$0.40T+298.10%skipped
- Wire · Fedwire· fee cap$25.00T+099.99%skipped
routed0 ms→authorized240 ms→3capturedT+0→4settledT+1
idempotency-key lockedSmart payment routing
Cards, ACH, SEPA, wire, RTP, FedNow, on-chain. Routed on success-rate × fee × latency.
CHARD · /payments/route-advisor
USD → EUR · ACME → Northwood Capital · $14,820.00
CORRIDORUSA → EU · USD/EUR
POLICYlatency ≤ 60s · fee ≤ 0.6% · success ≥ 99%
FX SOURCEWise mid · refresh 9s ago
| # | Rail | Fee | Latency | Success | Score | Verdict |
|---|---|---|---|---|---|---|
| 1 | Wise · SEPA Instant | $3.20 + 0.41% | 8 s | 99.78% | 96 | routed |
| 2 | Adyen · SEPA | $1.80 + 0.55% | T+1 | 99.62% | 88 | standby |
| 3 | Fedwire → SWIFT | $25.00 | T+0 | 99.94% | 79 | standby |
| 4 | USDC · base · 0x→0xblocked · counterparty no on-chain | $0.04 gas | 12 s | 99.91% | 71 | skipped |
| 5 | ACH NACHAexceeds latency target | $0.40 | T+2 | 98.10% | 42 | skipped |
score = 0.5×success + 0.3×latency + 0.2×fee, normalisedadvisor v1.4 · 7,412 corridors trained
Route advisor
Per-corridor scoring across every rail. Picks the right one before money leaves.
GARDEN API · /v1/payments
POST /v1/payments · live
requestcurl
curl -X POST https://api.gardens.ml/v1/payments \
-H "Authorization: Bearer sk_live_····················" \
-H "Idempotency-Key: pi_2c4f1a" \
-d @- <<'JSON'
{
"amount": 1482000,
"currency": "USD",
"from_entity": "did:oas:org:acme",
"to_entity": "did:oas:org:northwood",
"corridor": "USA->EU",
"policy": "lowest_fee_under_60s"
}
JSONresponseapplication/json
HTTP/1.1 200 OK
content-type: application/json
vine-event-id: evt_91a8c4f
chard-rail: wise-sepa-instant
bean-journal: J-2026-04-29-04417
{
"id": "pi_2c4f1a",
"status": "routed",
"rail": "wise-sepa-instant",
"fee": "$3.20",
"estimated_eta": "8s",
"settlement": {
"expected": "2026-04-29T17:42:16Z",
"currency": "EUR",
"amount": "13,710.42"
}
} every response carries lineage headers · chard rail · bean entry · vine eventv1.4 · 99.99% uptime · 9 regions
API + MCP, every service
Typed REST and MCP descriptors for every service. Your agents call the same surface humans do.
Hotkeys
The fingertips of an eight-year senior controller.
- ⌘ Kopen command palette
- ⇧ ⌘ Pswitch workspace
- ⌥ ⌘ 1-9switch entity
- ⌘ Nnew journal entry
- ⌘ Inew invoice
- ⌘ Rreconciliation pane
- ⌥ ⌘ Cclose current period
- ⌘ Ssign greenhouse transaction
- ⌘ Eexport ledger view
- ⌥ ⌘ Aopen agent console
- ⌘ ,preferences
- ?show all keys
Download
Choose your operating system.
Every artifact is sha256-pinned in the manifest and verified by the installer scripts. Code-signed on macOS & Windows, GPG-signed on Linux.
Windows 10+ · x64
Windows
Garden-Financial.msi · —Debian / Ubuntu · x64