Today
Operator-first.
A founder + a wallet + four agents. Bills, Invoices, Books, Treasury — surfaced in a UI you sign from. Your accountant lives in the action ledger.
The AI finance team
for crypto-native businesses.
Four agents — Bills, Invoices, Books, Treasury — propose every action. You approve. Your wallet signs. Softmax never holds a key.
Live action ledger
APproposed payment to Anthropic — $142.10 USDC·Base
ARinvoice INV-0042 paid by Acme Corp — $4,500 USDC·Base
BKclassified 23 transactions · 0 low-confidence·Polygon
TRproposed deposit — 8,000 USDC → audited Base vault·Base
APextracted bill from forwarded email · vendor Stripe·—
ARreminder sent to Globex — INV-0039 due in 3 days·—
BKmonthly close packet generated · Oct 2025·—
TRrebalance executed · tx 0x71f2…a809·Arbitrum
APproposed payment to Anthropic — $142.10 USDC·Base
ARinvoice INV-0042 paid by Acme Corp — $4,500 USDC·Base
BKclassified 23 transactions · 0 low-confidence·Polygon
TRproposed deposit — 8,000 USDC → audited Base vault·Base
APextracted bill from forwarded email · vendor Stripe·—
ARreminder sent to Globex — INV-0039 due in 3 days·—
BKmonthly close packet generated · Oct 2025·—
TRrebalance executed · tx 0x71f2…a809·Arbitrum
The team
Four agents.
One harness. Zero custody.
Each agent has a clear job description and a clean handoff to the human. They share the underlying ledger, the per-customer learning, and the “propose → approve → sign” spine — but the customer mental model is “team.”
AP
Bills
Accounts Payable
Reads your inbox, extracts every bill, queues payments. Your wallet signs.
- Gmail OAuth + magic forwarding
- AI extraction with confidence scores
- Vendor learning across future bills
AR
Invoices
Accounts Receivable
Issues USDC invoices customers pay with card or any token across 85+ chains.
- AI prefill from raw text or PDF
- Public payment link — card or any token across 85+ chains
- Auto-reconciles incoming payments
BK
Books
Bookkeeper / Controller
Classifies every on-chain transaction. Reconciles AP & AR. Closes the month.
- Multi-chain: Base, Ethereum, Polygon, Arbitrum
- Confidence-scored classification
- Syncs to Xero or QuickBooks
TR
Treasury
Treasurer / FP&A
Watches idle balances across wallets and chains. Proposes yield to audited vaults.
- Per-chain runway view
- Rebalance proposals — you sign
- Position tracking across protocols
The spine
Propose. Approve. Sign.
Every money-moving action follows the same three steps — shared by all four agents. The audit trail is sacred and visible to every accountant who ever touches your books.
Step 01
Agent proposes
Every classification, match, or payment surfaces as a proposal with a confidence score. Uncertainty stays visible.
Step 02
Human approves
You review the proposal in context — vendor, amount, chain, gas. One click to approve, one click to amend.
Step 03
Wallet signs
Softmax constructs an unsigned transaction. Your wallet signs. The action ledger logs proposer, approver, hash. Forever.
The posture
Non-custodial.
Always.
Softmax never holds a key. Never co-signs. Never has unilateral move authority over your funds. If a feature would require custody, we don't ship it.
Wallet keys live on your device — Safe multisigs, hardware wallets, Thirdweb embedded wallets. We propose the transaction; you sign it. The same posture every accountant and auditor will look for.
- Your keys, your signatures
- Read-everything, write-nothing
- Every action requires approval
- Immutable audit ledger
The lighthouse
Built for a world where AI runs the company.
Today: a finance team that proposes, you sign. Tomorrow: the same harness, exposed as MCP and CLI tools, so an AI agent running an on-chain company can talk to its own books, draft its own invoices, and post Treasury proposals — with the same audit ledger, the same non-custodial posture, the same human (or signing-policy) as final approver.
v2 — developer tier
Agent-callable.
The same primitives — propose, classify, draft, reconcile — exposed as an MCP server + CLI. Customers' own AI agents read their books and post proposals through Softmax. Auth is policy-based; signing remains human (or hardware-policy).
Year 2 — agent economy
Back office for AI-native companies.
When AI agents start operating businesses themselves, those businesses still need a finance team. Same four agents, new ICP. The action ledger and the signing harness were built for this from day one — it's the same product, served wider.
Developer docs + the MCP server are coming. The v1 schema and event surface were designed against them — what you see today is the foundation, not a refactor target.
Pricing
Less than a tank of gas.
A junior finance hire is $5,000-$15,000 a month, takes weeks to onboard, still needs management. Your Softmax team activates in 15 minutes, works 24/7, starts at $99.
Solo
Solo founder running 1-3 wallets
$99/ month
- Bills + Books only
- 1 user · up to 3 wallets
- 1 Gmail · Xero or QBO
- 50 bills/mo
Team
2-5 person crypto-native team
$299/ month
- Full team — Bills, Invoices, Books, Treasury
- 5 users · unlimited wallets
- Multi-Gmail · Xero + QBO
- Unlimited · monthly close packet
Agency
Larger teams + multi-entity ops
$799/ month
- Everything in Team
- 15 users · accountant seats
- 3 entities · custom reports
- Priority support
Custom
Sales-only, multi-entity unlimited
$1,499+/ month
- SLA · dedicated onboarding
- Advanced policy engine
- Multi-entity unlimited
12-month period is flat 12× monthly — no annual discount. Pay with card or any token across 85+ chains; settles in USDC on Base. Renewal is explicit, never auto-charged.