Layers over your ledger, not a replacement for it.
Stratum agents connect to the books you already keep, learn how your business actually runs, act within the limits you set, wait for your approval on anything material, and write down everything they do. Five stages. One system of record: yours.
Connect. Learn. Act. Approve. Audit.
Every agent runs the same loop. The first two stages happen before it touches anything. The last two are how you stay in charge of everything it does.
Link the ledger and the sources around it — bank feeds, payment processors, mailboxes, documents. Read access where reading is enough; scoped write access only where the agent's job requires it.
- QuickBooks Online live; Xero in progress; NetSuite, Sage Intacct, Zoho Books, and Tally on the roadmap
- Bank and card feeds are read-only. No agent holds credentials that can move funds
- Mailbox access is scoped to the folders and senders the agent needs
- No migration. The ledger stays where it is and stays the system of record
A cross-section of the stack.
Your ledger stays at the bottom, untouched. Agents are layers on top of it. What they learn goes into one judgment layer, and everything material passes through your approvals.
Six layers. The bottom one is yours already. The top two are how you stay in control.
Judgment layer
What every agent has learned about how your business runs. Plain language, editable, exportable. Yours.
- Payment behaviour per customer and vendor
- Approval routes and thresholds
- Recurring patterns and known exceptions
The systems you already use.
Read access where reading is enough. Scoped write access only to the ledger objects an agent owns. We prioritise new integrations by design-partner demand.
- Live
- In progress
- Planned
2 live · 5 in progress · statuses current as of September 2026
Ledgers
6 integrations- QuickBooks OnlineLive
- XeroIn progress
- NetSuitePlanned
- Sage IntacctPlanned
- Zoho BooksPlanned
- TallyPlanned
Banking & cards
4 integrations- MercuryPlanned
- BrexPlanned
- RampPlanned
- HDFC & ICICI bank feedsPlanned
Payments
2 integrations- StripeIn progress
- RazorpayPlanned
Communication
4 integrations- GmailLive
- OutlookIn progress
- SlackIn progress
- WhatsApp BusinessPlanned
Documents
1 integration- Google DriveIn progress
Thresholds make the routine automatic and the rest deliberate.
Drag the threshold and watch which of this morning's actions would run on their own and which would wait in your inbox. Some never run alone, whatever the number.
- Runs automatically
- 3
- Waits for you
- 5
Thresholds are set by amount, counterparty, account, or action type. Some actions wait no matter what: anything that moves money, files a return, locks a period, or escalates with a customer.
- Send reminder 1Harlow Freight · INV-0921Runs automaticallyAuto
- Code subscription billFigma · SoftwareRuns automaticallyAuto
- Post prepaid amortisationOffice lease · month 5 of 12Runs automaticallyAuto
- Send second noticeDover & Co. · 41 days lateWaits for you · above thresholdWaits
- Apply received paymentMeridian Fabrication · INV-0898Waits for you · above thresholdWaits
- Escalate to final noticeDover & Co.Always waits · escalationWaits
- Release Friday payment run7 billsAlways waits · moves moneyWaits
- Lock August periodAll entries reviewedAlways waits · locks a periodWaits
Every action explains itself.
The log runs from the journal entry back to the reasoning: what the agent saw, which rule it applied, what it proposed, who approved it. Recorded at the moment of the decision, never reconstructed.
- 09:02Reminder 2 sent · Meridian Fabrication · $18,400auto · below threshold
- 09:31Payment run of $23,900 prepared · released by Prem in Mercuryapproved · Prem
- 10:22Prepaid amortisation entry posted · $2,100approved · Prem
Reasoning chain
Trigger
Bank feed shows office lease debit of $25,200 on 1 Apr; prepaid asset balance $16,800.
Evidence
12-month lease agreement in Drive · prior four months amortised at $2,100 each.
Client note applied
"Office lease is prepaid annually; amortise straight-line to 6210 Rent." · 4 prior cycles
Proposed action
Dr 6210 Rent $2,100 · Cr 1400 Prepaid expenses $2,100 · memo: Aug amortisation 5/12.
Approval
Queued at 10:19 · approved by Prem at 10:22 from the approvals inbox.
Journal entry
JE-2026-0842 posted to QuickBooks Online · reversible · linked to this trace.
- 11:15Final notice · Dover & Co. · $9,200declined · tone too firm
Four rules the platform is built around.
They are not features we can turn off. They are the shape of the system.
- 01 / 04
The ledger is the system of record
We never become it. Agents read from and write to the books you already keep, through the same APIs your accountant uses.
- 02 / 04
Judgment belongs to the customer
What the agent learns about your business is stored in plain language, shown to you, and exportable in full. It is not a moat. It is your property.
- 03 / 04
Humans decide anything material
Money movement, filings, period locks, write-offs, and customer-facing escalations always wait for a person. Thresholds make the routine automatic and the rest deliberate.
- 04 / 04
Every action explains itself
The agent records what it saw and why it acted at the moment it acted. Auditability is not a report we generate later. It is how the system runs.
Before you connect a ledger.
See it on your books
Connect a ledger. Watch the layers form.
We onboard a small number of companies at a time and sit with you through the first month. Tell us what you run and we will tell you plainly whether we are a fit.