Bank connectivity that doesn't break on Mondays.

Plaid is a connector. Branches is a balance plane. Six banks, four currencies, normalised into one canonical balance sheet with sync-latency surfaced per connection — so a stale feed raises a flag before it breaks a close.

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AACME Holdings

Linked Accounts

Updated Apr 29 at 14:02

BRANCHES · /transactions/linked-accounts

Linked accounts · 6 banks · 4 currencies

all reconciled

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

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

Categorized stream

Every transaction, categorized and reconciled in flight.

Branches normalizes raw bank activity across every connection into a single stream with ISO 20022 category codes, sub-ledger mapping, and live recon status. Drift opens a Celery case automatically — by the time you see the row, the case is already drafted.

BRANCHES · /transactions/stream

Live transaction stream · 11 of 1,247 today · normalized

sync · 12s ago · all banks green

IN · TODAY$448,340.18+12.4% vs 7d avg

OUT · TODAY$236,410.42payroll cycle peak

MATCHED · BEAN 1,246 of 1,24799.92%

DRIFT CASES1 open · $0.18FX timing · case-7a91

Time	Bank	Amount	Counterparty	Category	Recon
14:02:11	JPM ····0049	+$14,820.18	ACME Holdings · INV-2941pi_2c4f1a	AR	drift · case
13:58:04	Mercury ····6612	+$48,200.00	Forerun Labs · sub_2941 renewalpi_8c11ae	AR	matched · Bean
12:14:21	Wise EUR ····8801	+$184,920.00	Helsinki & Co · invoicepi_4f12be	AR	matched · Bean
11:42:08	JPM ····0049	−$112,200.00	Gusto · bi-weekly payrollach_payroll	payroll	matched · Bean
10:58:17	JPM ····0049	−$27,720.00	IRS · 1042-S withholdingirs_fire	tax	matched · Bean
09:14:02	Brex ····4408	−$2,400.00	AWS · vendor paymentv_aws_2940	AP	matched · Bean
08:47:11	Wise EUR ····8801	−$13,710.42	Northwood Capital · payoutwise_sepa	AP	matched · Bean
08:12:09	Mercury ····6612	−$180.00	Wire fee · routingfee_904	fee	matched · Bean
07:42:01	JPM ····0049	+$80,000.00	Mercury sweep · dailyswp_2941	transfer	matched · Bean
07:42:01	Mercury ····6612	−$80,000.00	JPM sweep · dailyswp_2941	transfer	matched · Bean
06:58:14	Greenhouse cold/01	+$120,400.00	USDC · base · client 0x8f1ctx_02e1be	custody	matching...

every row carries a sub-ledger mapping · category derived from ISO 20022 codes + counterparty history · drift opens a Celery case automaticallyPlaid · MX · Teller · Finicity · ISO 20022

Branches vs. aggregators

Bank connectivity that doesn't break on Mondays.

Plaid alone is a single point of failure. Branches stacks four aggregators behind one contract.

Capability	Plaid	MX	Teller	Branches
Connector breadth	✓ 12k	✓ 6k	limited	✓ all + direct ISO
Statement parsing	✓	✓	—	✓ + PDF backup
Authoritative balance	✓	✓	✓	✓ multi-source quorum
Statement reconciliation	—	—	—	✓ Celery
ACH origination	limited	—	—	✓ NACHA
Wire instructions	—	—	—	✓
Multi-currency	limited	limited	—	✓
Agent-fetchable	—	—	—	✓ MCP

Agent-native

Agents read balance, never write rails.

Read access is broad; write access (ACH origination, wire) is capability-gated. An agent can balance-check before initiating a transfer in Chard; it cannot originate a wire by itself unless explicitly authorised.

MCP descriptor

tool   branches.balance.fetch    Live balance per connection
tool   branches.transactions.list  Stream transactions with cursor
tool   branches.ach.originate     Originate ACH (capability-gated)
tool   branches.wire.draft        Draft wire instructions
resource  connections://acme    All linked accounts

Typed REST API

GET  /branches/v1/balances        Authoritative balance per connection
GET  /branches/v1/transactions    Cursor-paginated transactions
POST /branches/v1/ach             Originate ACH (cap-gated)
POST /branches/v1/wires           Draft wire instructions
GET  /branches/v1/connections     Connection health + sync latency

Lineage headers

Authorization: Bearer arsenal:act_br…
X-Garden-Capability: branches.balance.fetch (read-only)
X-Garden-Source-Quorum: plaid+mx+direct (2-of-3 agreed)
X-Garden-Stale-Threshold: 5m → flag, 30m → block writes

Capability matrix