Deterministic reconciliation. Verifiable audit evidence.
Settler is the operating system for financial integrity. We turn fragmented transaction flows into replayable, hash-linked proof artifacts. Built for teams that require absolute precision and audit-ready certainty.
Cognitive Proposer.
Deterministic Verifier.
Probabilistic AI cannot balance financial balance sheets alone—a 0.01% hallucination rate on $10B is catastrophic. Settler pairs **Gemini 3's 1M+ multimodal reasoning** with a **deterministic Rust kernel & in-browser Web Crypto Merkle verifier**.
Interactive Enclave Sandbox
Test how Settler reconciles the tension between probabilistic AI and cryptographic financial truth.
$14,250.00 Unmatched
UK August Bank Holiday 48-hour clearing cutoff lag on batch settlement payout.
Self-Healing Candidate
Reasoning: Verified calendar schedule. Proposes tolerance window expansion: +48h for bank holidays.
Cryptographic Separation
Invariant: Proposer_ID ≠ Checker_ID. AI cannot unilaterally mutate live ledger.
Why Stripe & PayPal Compete to Own Settler
The Universal Bilateral Settlement Enclave — neutralizing cross-rail dispute arbitrage, contractual fee creep, and batch float drag with sovereign cryptographic proofs.
Institutional Payment Leakage & ROI Engine
Simulate your multi-processor payment volume across Stripe, PayPal, and bank clearing accounts. Uncover hidden fee creep, float drag, and audit hours reclaimed by Settler.
How it works
From raw data ingestion to verifiable evidence, Settler ensures every step is reproducible.
Connected Ecosystem
Ingest transaction data through 25+ verified adapters for Stripe, Shopify, QuickBooks, PayPal, Square, Xero, NetSuite, Plaid, SAP, and more. Custom systems connect through the adapter framework. All data normalizes into a unified schema for deterministic matching.
Operator-Grade Triage
Exceptions carry deterministic "why" context and operator decisions stay auditable. Where AI is enabled, it is advisory, evidence-linked, and bounded — humans keep final authority.
Explore Platform ControlsCore Architecture & Shipped Modules
Explore the implemented 3D architecture modules powering deterministic matching, multi-rail orchestration, continuous close, and cryptographic evidence.
Operational Capabilities Grounded in Code
Deterministic reconciliation engine
Rules-as-code matching with field-level tolerance controls. Same inputs always produce same outputs.
- Configurable match policies
- Tolerance-aware comparison
- Deterministic hash verification
Evidence-first output
Every run produces hash-linked evidence manifests — not just reports, but verifiable proof artifacts.
- Structured evidence JSON
- Run provenance chains
- Export-ready audit bundles
Exception adjudication
Exceptions carry deterministic context. Operator decisions are auditable and become institutional memory.
- State-machine triage workflow
- Decision audit trail
- Policy-aware exception context
Replay and drift detection
Re-execute any historical reconciliation and compare hash outcomes to detect drift.
- Full run replay
- Hash-verified determinism
- Drift detection across executions
Verified integration adapters
25+ verified platform adapters spanning payments, accounting, e-commerce, banking, ERP, and subscription billing.
- Stripe, PayPal, Square, Shopify
- QuickBooks, Xero, NetSuite, SAP
- Plaid, TrueLayer, Chargebee, +14 more
Omnichannel Enterprise Suite
Fully featured workspaces and APIs for CFO Maker-Checker flows, Data Residency policies, Vendor Portals, and AI Rule Discovery.
- SOX-compliant Maker-Checker approvals
- Agentic AI exception resolution
- Isolated Auditor & Vendor portals
Start from your role
See Settler in action
Explore the operator console with realistic reconciliation data, evidence artifacts, and exception workflows. No account required.