Twelve services. One organism.
Each service is a self-contained crate with its own database, REST and MCP surface, and contract with the rest of the platform. They are also designed to be replaced — Garden holds the system together with cryptographic seals and an event spine, not vendor lock-in.
Books
The book of record and the engine that keeps it honest.
J-2026-04-29-04417
| 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 | |
Bean — Double-entry, deeply.
The general ledger that every other Garden service writes to. Real double-entry accounting, period-aware journals, multi-currency, multi-entity, and a closing process that can withstand audit.
Period close · 2026-04
Celery — Reconciliation that learns.
An AI reconciliation engine that ties bank statements, processor payouts, on-chain transfers, and journal entries together, then drafts the corrections for a human or agent to approve.
Money
How dollars, euros, sats, and stablecoins move and get billed.
Payment intent pi_2c4f1a · auth
- 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
Chard — Payment routing without lock-in.
A provider-agnostic payment router. Cards, ACH, SEPA, wires, RTP, FedNow, and on-chain settlement — orchestrated through a single contract with smart fallback, dispute mediation, and refund logic.
INV-2941 · ACME Holdings
| 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 |
Cabbage — Billing for businesses with weather.
Subscription, usage, hybrid, prepaid, postpaid, milestone, contract, and one-off billing — with proration, dunning, revenue recognition, and an invoice engine that produces documents you'd actually mail.
Cash Position · across 5 holdings
- 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%
Kale — Treasury, but not boring.
Operating cash, FX, sweeps, MMF allocations, and forecasting. Kale models your treasury policy as code and executes it across banks, brokerages, stablecoin pools, and on-chain venues.
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 |
Branches — Bank connectivity that doesn't break on Mondays.
Plaid, MX, Teller, Finicity, and direct ISO 20022 connectivity to banks. Branches gives you authoritative balances, statement reconciliation, ACH origination, and wire instructions.
Custody
Self-custody for crypto-native treasuries.
Transfer · cold/01 → ops/03 · USDC
- Policy check within $5,000/day band
- Allowlist vendor_9b matched
- Threshold2 of 3 reached
Greenhouse — Self-custody, with grown-ups.
HD wallets, threshold custody, settlement, and bridging. Greenhouse is how Garden organizations hold crypto without surrendering custody — anchored on Solana with FROST threshold signing and policy-bound spending.
People
Identity for humans and agents, with the same audit trail.
Signer ring · 6 devices · CFO requesting elevation
| Type | Device | Bound principal | Enrolled | State |
|---|---|---|---|---|
| Passkey | iCloud Keychain · MacBook Pro | did:oas:org:acme:cfo | 2025-11-04 | active |
| YubiKey 5C NFC | YK · sn 19284441 | did:oas:org:acme:cfo | 2024-09-12 | active |
| Ledger Nano X | Ledger · BTC + ETH path | did:oas:org:acme:ceo | 2025-02-21 | active |
| Trezor Safe 3 | Trezor · auditor seat | did:oas:org:acme:auditor | 2025-08-09 | active |
| Garden Apex | Built-in · this machine | did:oas:org:acme:ops/03 | 2026-01-14 | active |
| Cold paper | Vault recovery · Shamir 2-of-3 | guardians · 3 of 5 | 2025-03-04 | offline |
Turnip — Identity, plain and patient.
Auth, SSO, MFA, session management, and agent identity binding. Turnip is the front door to every Garden service — for humans, agents, and the keys that belong to both.
KYC · session 3f81-0a2c · Reginald Maxwell
- 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
Sage — Compliance, automated and audit-ready.
KYC, KYB, AML, OFAC and global sanctions screening, transaction monitoring, suspicious activity, and disputes — all wired into Bean's audit chain.
Signals
The event spine your stack listens to.
Event spine · streaming
- 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
Vine — Webhooks that arrive — once.
The event spine connecting Garden to your stack. Vine guarantees at-least-once delivery, exactly-once outbox semantics, signed payloads, and a queryable replay window across every event Garden emits.
Surface
The desktop client and document studio.
Search every service in one bar
Figs — The desktop ledger, on your laptop.
A native macOS, Windows, and Linux desktop that gives accountants, finance teams, and operators a fast, offline-capable client over the entire Garden stack.
Outbound dispatch · 47 in flight
| Document | Channel | Recipient | State | Receipt |
|---|---|---|---|---|
| INV-2941 · ACME Holdings | ✉ | billing@northwood.capital | opened | opened 9s ago · seal blake3:9f3a… |
| Receipt · pi_2c4f1a | ✉ | ar@acme.example | sent | delivered 2m ago · sealed |
| 1099-NEC · contractor 7e2c | ✉ post | USPS Certified · NY 11222 | rendering | wet-signed proof of mail |
| Dunning · D-4 · sub_4892 | ✉ | ap@helsinki-co.com | queued | send in 14h · template D4-strict |
| FROST sign request · transfer 02e1 | ▲ push | Garden Apex · CEO | sent | delivered to device · 18s |
| OFAC review hit · case 7e27 | ✆ sms | +1 ··· ··· 0049 | bounced | carrier rejected · auto-failover → email |
| Period close confirmation | ✉ | auditor@kpmg.example | queued | send when seal lands |
Basil — Receipts and disclosures, beautifully.
A document studio for receipts, statements, K-1s, 1099s, agent disclosures, and customer-facing documents. Versioned, branded, and signed.
