ALCHEMIST

Banking and accounting
with receipts.

Two sides of one deterministic suite — finance models that refuse when inputs aren’t sourced, and accounting workflows that won’t release what doesn’t tie. No LLM in the decision path.

Banking · finance models

Deterministic models with explicit assumptions, proof rows, and refusal boundaries.

CIPHER DCFDiscounted cash flow with LUNA proof rows, source-backed assumptions, and refusal boundaries.banking

COMPSComparable-company multiples — safe denominator refusals and peer-fit warnings.banking

CreditLeverage, coverage, FCF cushion, and covenant-boundary screens.banking

MergerAcquirer/target framing, consideration mix, synergies, and EPS impact.banking

LBOEntry value, leverage, cash sweep, exit value, MOIC, and IRR.banking

SOTPSegment-by-segment enterprise value bridge with model-level provenance.banking

ScenariosBull / base / bear deltas with deterministic ties back to base assumptions.banking

BenchmarkRun a frontier-model answer beside ALCHEMIST and score the operating standard.banking

Accounting

Books that won’t close until they tie. Import from QuickBooks once, run the ledger here after that. No posting without backup. No month-end sign-off while something’s still off.

QuickBooks ImportOne-time pull of your chart of accounts, GL history, vendors, customers, and open AR/AP — then you operate in ALCHEMIST, not QBO.01

Journal GatePosts journal entries only when they balance, have a real memo, and carry the approvals and attachments the rules require.02

Recon ForgeMatches bank statements to the ledger — won’t call an account reconciled if the balance still doesn’t tie.03

AR / APTracks who owes you and who you owe, with aging and flags when invoices or payments lack support.04

Close SentinelMonth-end checklist — shows what’s still blocking close (unreconciled cash, draft entries, missing proof) before anyone can lock the period.05

Proof ChainTamper-evident audit log — every change hashed and chained so you can prove what happened and when.06

BinderProofExports the close package for reviewers or auditors — numbers, supporting docs, refusals, and sign-offs in one bundle.07

NORTHSTAR — our $9.99 small-business accounting tool built to rival QuickBooks: same refusal DNA (books don’t release until they tie), without the enterprise stack. See NORTHSTAR →

vs frontier LLMs

Controlled test harness — deterministic reference output plus a disclosed scorecard. Not an automated LLM-grading claim.

ALCHEMIST · control scorecard

Control	ALCHEMIST	LLM	Note
ALCHEMIST 7/7 CONTROLS · LLM 1/7 STRICT PASS
Arithmetic tie-out	PASS	PASS	Both can calculate stated numbers
Source receipts	PASS	MIXED	LLM does not preserve filing/model refs
Source discipline	PASS	MIXED	LLM cites a peer set not in prompt
Refusal behavior	PASS	FAIL	LLM recommends despite boundary
Missing evidence	PASS	MIXED	LLM omits legal, tax, fairness gaps
Assumption visibility	PASS	MIXED	LLM buries share count and debt bridge
Output repeatability	PASS	MIXED	LLM phrasing and flags change on rerun

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Banking and accountingwith receipts.

Banking and accounting
with receipts.