Bean· Books

Double-entry, deeply.

QuickBooks and Xero treat the ledger as a place to summarise transactions after the fact. Bean treats it as the source of truth — every other Garden service writes balanced entries to it, and every period close produces a cryptographic seal an auditor can verify in seconds.

Open Garden See how it works

Garden Financial · v1.3.2 — DesktopLIVE

Search…⌘K

AACME Holdings

Journal Entries

Updated Apr 29 at 14:02

BEAN · /accounting/journal-entries

J-2026-04-29-04417

sealed · period 2026-04

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…

FIG. 0.A — GARDEN DESKTOP / DASHBOARDThe actual UI. No marketing simulator.

Hash-chained audit

An auditor can replay your last seven years in 2 seconds.

Every state change — journal post, period close, account change, even a chart-of-accounts edit — is recorded with the actor (human DID or agent token), the time, the device, and the hash of the previous record. Replay is deterministic. Falsifying history requires breaking SHA-3.

BEAN · /accounting/audit-trail

Audit · last 6 events · all-time chain sealed

chain ok

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

Chart of accounts

The skeleton every other service writes against.

Cabbage AR, Chard rails, Greenhouse vault, Branches banks — every sub-ledger binds to a specific account code. Templates for SaaS, holding-company, marketplace, autonomous-org, and crypto-native treasuries land balanced on day one.

BEAN · /accounting/chart-of-accounts

Chart of accounts · ACME Holdings · US-Parent · period 2026-04

balanced · Dr = Cr · sealed

TOTAL ASSETS$2,531,040.40

TOTAL LIABILITIES$284,400.00

TOTAL EQUITY$2,246,640.40

EQUATION CHECK A = L + E · ✓Δ 0.00 · period balanced

Code	Account	Type	Balance	Period activity
1000	Assets	asset	$2,531,040.40	+184,200.00
1100	Current assets	asset	$2,254,640.40	+162,000.00
1110	Operating cash · JPMorgan ····0049	asset	$1,247,398.00	+72,400.00
1112	Reserve · Mercury ····6612	asset	$812,000.00	+50,000.00
1115	Card float · Brex ····4408	asset	$18,924.00	-2,400.00
1130	FX float · Wise EUR ····8801	asset	$284,118.40	+18,200.00
1140	FX float · Revolut GBP ····2237	asset	$92,400.00	+24,200.00
1200	Accounts receivable	asset	$143,420.00	+8,800.00
1300	Self-custody · Greenhouse	asset	$133,000.00	+13,400.00
2000	Liabilities	liability	$284,400.00	+22,400.00
2100	Accounts payable	liability	$92,200.00	+4,800.00
2200	Sales tax payable	liability	$14,820.00	+820.00
2210	Deferred revenue · Cabbage	liability	$146,508.00	+12,420.00
2300	Tax withholding · 1042-S	liability	$30,872.00	+4,360.00
3000	Equity	equity	$2,246,640.40	+161,800.00
3100	Owners' capital	equity	$1,800,000.00	0.00
3200	Retained earnings	equity	$446,640.40	+161,800.00

every account binds to a sub-ledger · Cabbage AR · Chard rails · Greenhouse vault · Branches bankstemplates: SaaS · holding · marketplace · autonomous-org · crypto-native

Bean vs. the old stack

Built like infrastructure, not like a spreadsheet you log into.

Bean is the first ledger that takes the agent operator seriously. Every other system you've used treats automation as a bolt-on import.

Capability	QuickBooks	Xero	NetSuite	Bean
Real-time double-entry	—	partial	✓	✓
Multi-entity consolidation	Advanced only	add-on	✓	✓ default
Multi-currency revaluation	limited	✓	✓	✓ FAS 52 / IAS 21
Cryptographic period seal	—	—	—	✓ blake3
Hash-chained audit trail	—	—	—	✓ ed25519
Agent-bound capabilities	—	—	—	✓ Arsenal tokens
MCP server	—	—	—	✓
ASC 606 / IFRS 15 native	manual	manual	module	✓
Replay-safe writes	—	—	—	✓ idempotency-keyed

Agent-native

Agents post journal entries under signed capabilities.

Bean exposes a typed MCP server. Your agent fetches the schema once and writes journal entries the same way a human controller would — except every write carries a lineage proof back to the human root that authorised the agent.

MCP descriptor

tool   bean.journal.draft       Draft a balanced journal entry
tool   bean.journal.post        Post a drafted entry (idempotent)
tool   bean.period.close        Close period with seal (signed)
tool   bean.trial.balance       Trial balance for entity + period
tool   bean.reverse             Reverse a posted entry
resource  coa://acme/us-parent  Chart of accounts (live)

Typed REST API

POST /bean/v1/journals            Draft + post (idempotency-key required)
POST /bean/v1/journals/:id/reverseGenerate a reversing entry
POST /bean/v1/periods/close       Close period and seal
GET  /bean/v1/trial-balance       Trial balance per entity & period
GET  /bean/v1/audit/stream        Hash-chained event stream

Lineage headers

Authorization: Bearer arsenal:act_7d…
X-Garden-Principal: did:oas:org:acme:cfo
X-Garden-Agent: did:agent:tomato/0x4f1
X-Garden-Capability: bean.journal.post · scope=us-parent
X-Garden-Idempotency: J-2026-04-28-04417

Capability matrix