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Beside the words, a base plate labeled system of record stands facing the reader and tips back onto the floor. A person and an agent take turns adding blocks to it, with tiles for transactions, stakeholders, accounts, company records, activity logs and connectors landing along its edge: first a two-floor coffee shop, then the shop stretched into a church with a steeple and a cross, then, as a launch tower and its rocket go up beside it, the church gives way to a glass office tower that grows with the rocket, which lifts off.

The building blocks for your business.

Payments, banking, payouts, incorporation, company management. All connected to the same system of record. Harmony between humans and agents.

Assemble whatever shape works for your business.

Use whatever blocks you need today to stand up your business and keep it growing.

Or non profit.

The same blocks also serve nonprofits: charities, religious organizations or government.

Add more as you scale.

Start with company incorporation and payments. Add banking, payouts, cards and expense management for humans and agents. We'll scale with you, all on the same system of record, which means scaling just works.

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One system of record as humans and agents build the business.

Your transactions, stakeholders, accounts and records live in one place. You and your agents add the blocks you need, and every block reads from the record and writes back to it.

The system of record

The base every block stands on, and the one true copy of your business.

  • TransactionsEvery payment, payout, fee and refund
  • StakeholdersOwners, directors and investors, your team and your customers
  • AccountsYour bank accounts and payment accounts, with every balance
  • Company recordsFormation, EIN and filings
  • Activity logsWho did what, a person or an agent
  • ConnectorsYour accounting, CRM and other tools, kept in sync

Financial stack

Move, hold and account for money.

Built for your agents, too.

Agents can form your company, run it day to day and keep the books, with the same system of record your humans use. You control their permissions.

Read the agent docsllms.txt

Dana, a person, issues Fern & Field Coffee's marketing agent, an AI agent, a Cedar card ending 4417, with a limit of $200 a day and $2,000 a month, good on Google Ads and Meta Ads and blocked everywhere else. The agent reads its card, launches a Google Ads campaign and a Meta campaign, and checks the two charges on its card, $120.00 and $65.00, each landing in the system of record. A chart then shows Fern & Field's revenue climbing over eight weeks, above the week-by-week ad spend.

  • Every block, by API and MCP

    Form a company, take payments, pay bills and file taxes through the same API your app uses, or through our MCP server.

  • Its own identity and keys

    Give each agent its own key, scoped to the blocks and actions it's allowed to use. Revoke it in one click.

  • Limits and approvals

    Set limits per payment, per day and per payee. Anything bigger, and any new bank account or filing, waits for a person.

  • Preview, then act

    Dry-run any call to see exactly what it would do. Refund a payment or cancel a payout before it settles.

  • Activity with names on it

    Every change is logged against the agent that made it and the person who allowed it, with the agent's own notes.

  • Read the whole record

    Customers, transactions, balances and documents in one consistent shape, searchable, with events the moment anything changes.

  • A sandbox that behaves like live

    Test money, test cards and the same API, so an agent can practice before it touches real money.

  • Cards for your agents

    Issue an agent its own card, with its own limits and payees, for what it buys on your behalf.

  • A person when it's stuck

    An agent can hand a question to Cedar support, and a person answers. Or it can ask the owner to decide.

Plus machine-readable errors with a fix for each, versioned APIs, idempotency keys for safe retries, and docs written for machines: llms.txt, OpenAPI and a Markdown version of every page.

Start building.

Sign up and get a sandbox straight away. Take a test payment before we ask for a single document.

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Prefer email? Write to hello@usecedar.co.