Financial Operations Platform

Money that moves
exactly as designed.

Harmoney is the financial operations engine for companies that can't afford to improvise. No-code payment routing. Automated compliance. An immutable audit trail. All running under one roof — deployed in hours, not quarters.

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7 Payment rails
<300ms KYA p99
100% Audit coverage
Live operation · vendor-payroll-q4 Running
TRG
Trigger
Schedule · 1st of month
Active
KYA
Know Your Agent
Policy eval · sanctions check
Allow
SPL
Split
3 recipients · pro-rata
RTE
Rail
ACH · fastest available
Queued
ACH Stripe
exec · 142ms
Connected rails & partners
Plaid
Stripe
Square
Coinbase
x402
ACH
Plaid
Stripe
Square
Coinbase
x402
ACH

Built for the era of agentic finance — where AI agents initiate payments, compliance runs in milliseconds, and every dollar is accounted for before it moves.

01

Financial Operations

Design multi-step money flows visually. Triggers, splits, rail selection, and approvals — all wired together without writing a single line of code.

No-code canvas
02

KYA Protocol

Every agent action runs through Know Your Agent screening — sanctions, volume limits, and policy rules — in under 300ms p99.

Open source · kyaprotocol.org
03

Immutable Ledger

A SHA-256 hash-chained append-only ledger. Every credit, debit, and approval is permanent, sequenced, and tamper-evident.

Audit-ready
04

Simulation Gate

No operation goes live without a passing simulation. Replay scenarios, test edge cases, and validate policy before any money moves.

Zero-trust deployment
05

TAP Card & Wallet

NFC-programmable tap cards and Apple Wallet passes — payments, bookings, and contact capture via a single physical tap.

Hardware + software
06

7 Payment Rails

ACH, Stripe, Square, and Coinbase — intelligent routing picks the fastest, cheapest, or most reliable path automatically.

Intelligent routing
7+

Payment rails connected — ACH, Stripe, Square, Coinbase

<300ms

KYA screening p99 — sanctions, volume limits, and policy — before every action

100%

Ledger coverage — every credit, debit, and approval in the hash chain

Know Your Agent

Compliance that runs at machine speed.

KYA is Harmoney's open-source agent approval protocol. Every financial action — human or AI-initiated — passes through real-time sanctions screening, volume analysis, and policy evaluation before execution.

  • Cryptographic agent identity verification
  • OFAC + custom sanctions list screening
  • Rolling window volume and velocity checks
  • OPA-based declarative policy rules
  • Human-in-the-loop escalation with SLA timers
KYA Decision Log · live
agent:payroll-bot → ACH $12,400 Allow
agent:unknown-9f2a → ACH $85,000 Deny
agent:invoice-agent → Stripe $4,200 Allow
agent:recon-bot → ACH $220,000 Escalate
avg screening · 187ms · p99 291ms

Simulate before you deploy.

Every Financial Operation runs through a full simulation engine before going live. Catch policy violations, edge cases, and rail errors — before any money moves.

Step 01
Design
Build your operation on the canvas. Triggers, logic, splits, rail selection.
Complete
Step 02
Validate
Policy engine checks every constraint. KYA screens each agent action.
Passed
Step 03
Simulate
Full dry-run with real amounts and mock rails. Every path tested.
Running
Step 04
Deploy
Gate clears, operation goes live. Exactly-once execution guaranteed.
Gated

Simulation Gate

No operation reaches production without a complete passing simulation. Policy violations, rail failures, and edge cases are caught here — not in production.

TAP Endpoint Module

Physical payments,
digital intelligence.

Program an NFC card or Apple Wallet pass to collect payments, book appointments, or capture contacts — with one tap. Each TAP card is a programmable endpoint connected to your Harmoney operation.

TAP Card — click to flip
H
HARMONEY
TAP · 7F2A · 9C4E
PAYMENT Status · Active
Rail
Stripe · ACH
Max uses
Unlimited
Expires
2026-12
Tap to flip · hover to tilt
Apple Wallet Pass
Pass type
BOOKING
Holder
Sarah Chen
Status
● Active
Action
Book appointment
Expires
Dec 2026
Scan to activate
tap · 7f2a9c4e · harmoney
Valid thru 12/26
Program a card View my cards
PAYMENT
Customer taps → instant Stripe or ACH checkout. Set amount, currency, and max uses.
BOOKING
Customer taps → Calendly or Cal.com opens. Optionally require payment before booking.
CAPTURE
Customer taps → shares name, email, phone. Synced to your Registry automatically.

Payment Rails

Seven rails.
One intelligent router.

Harmoney's rail layer sits above the individual payment networks. Operations declare their intent — fastest, cheapest, most reliable — and the router picks the right path automatically. No manual routing rules, no brittle webhooks.

Certified partner Stripe, Plaid, Square, Coinbase Commerce — all connected and production-ready.
Plaid
Plaid / ACH Partner
Stripe
Stripe Live
x402
x402 EVM Live
Square
Square Live
Coinbase
Coinbase Live

For Developers

An API that speaks
money natively.

Harmoney ships a TypeScript SDK, an MCP server for AI agents, and a REST API that follows RFC 7807 error standards. Operations are idempotent by design. The ledger is queryable. The policy engine is open source.

  • TypeScript SDK with full type safety
  • MCP server for agentic integrations
  • Idempotency keys on every mutation
  • OpenAPI spec · Zod-validated schemas
View API docs Start building
harmoney-sdk · typescript
// Create a Financial Operation const op = await harmoney .operations .create({ name: 'vendor-payroll-q4', trigger: { type: 'schedule', cron: '0 9 1 * *' }, rails: ['ach'], kya: { policy: 'default' }, }); // Simulate before deploying const sim = await op .simulate({ amount: '12400.00' }); if (sim.gate === 'pass') { await op.deploy(); // ✓ operation is live }

Immutable Ledger

Every dollar.
Accounted for.

Harmoney's ledger is append-only and hash-chained. Each entry includes a SHA-256 link to the previous record. Tamper with any entry and the chain breaks — immediately detectable.

  • Append-only — no deletes, no overwrites
  • SHA-256 prev → current hash chain
  • Every approval, credit, and debit recorded
  • Audit export in CSV and JSON
Entry Amount Type Hash
LDG-001 +$12,400.00 Credit ⛓ a3f9…c21d
LDG-002 −$4,200.00 Debit ⛓ b7e2…9fa4
LDG-003 +$85,000.00 Credit ⛓ c1a8…3bc7
LDG-004 −$220.00 Fee ⛓ d4f1…7e9a
LDG-005 +$1,750.00 Credit ⛓ e9c3…2d5f
"

We went from a spreadsheet and prayer to a fully automated payroll operation with compliance built in. Harmoney is the only platform where we felt safe putting an AI agent in charge of money movement.

— Head of Finance, Series B Fintech · San Francisco

Get started today

Ready to move money
exactly as designed?

Join the teams using Harmoney to automate financial operations, enforce compliance at machine speed, and ship without fear.

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