FAQ · Honest Answers
Twelve Questions Worth Answering Before You Connect A Bank.
We’ve tried to write the answers we’d want from a finance tool — including the ones that are inconvenient. If we missed yours, write to sam@kumokodo.ai and we’ll add it.
The Product
Is Kuroji an accounting product, a finance product, or something else?
All three, but the order matters. Kuroji is a financial second-in-command first — an agent that watches your money, surfaces what's coming, and answers questions in real time. The accounting layer underneath (journal entries, reconciliation) is plumbing. The CFO behavior on top is the product.
Why are there three rings?
Because trust isn't earned all at once. Ring I is read-only — Kuroji can only see and tell. Ring II writes to your books, but every write is reversible and audited. Ring III acts externally, but only on opt-in, only within caps you set, and only after you've watched it for long enough to trust it. You can stop at any ring forever.
Does Kuroji replace QuickBooks?
Functionally for day-to-day operations, yes. For tax filings, we export to QuickBooks so your CPA can stay in the tool they know. We don't believe in tools that hold your books hostage — your CPA should be able to leave Kuroji with one click and a clean export.
Can I use Kuroji if I'm on Mercury, SVB, Chase, or a credit union?
Yes — that's specifically who we're built for. If you're all-in on Brex, you can use Brex IQ. Pry used to be the answer for everyone else, and then Brex bought it. We exist because the rest of you have no equivalent anymore.
The Audit Layer
What does 'hash-chained' actually mean?
Every external event lands as one immutable row. Each row stores the SHA-256 hash of the row before it. Modifying any historical row invalidates every hash that descends from it. We periodically anchor the chain head to an external timestamping service so even we can't quietly rewrite history.
What happens if Kuroji categorizes a charge wrong?
You correct it. That correction becomes a permanent rule that applies retroactively and forward. The original (wrong) categorization is preserved as an event on the chain; the correction is another event linked to it. Nothing is silently overwritten.
Can my CPA defend the books at audit time?
Yes — that's the design goal. The books are a deterministic derivation of canonical events. Drop any event into the verifier and Kuroji re-derives every number that descends from it, on demand, without us. Your CPA never has to ask Kuroji a question they can't independently verify.
Money, Trust, And Limits
Can Kuroji actually move money?
On Ring III, yes — but only within hard limits you set, only for vendors you've enrolled, only against an action receipt signed against the auth chain. Ring III is also gated behind SOC 2 Type I completion. No customer is on Ring III today.
What if Kuroji makes a mistake on a journal entry?
Every Ring II write is reversible. The reverse is itself an event on the chain, so the audit trail tells the full story (what was written, when, by whom, and the reversal). We treat 'silently fix it and hope nobody notices' as a P0 incident, not a feature.
Where does my data live? Can I export it?
Neon Postgres in US-East. You can export every event, every journal entry, and every supporting blob at any time, in your format. Account deletion takes two clicks and is irreversible.
The Company
Who's building this?
Sam Simpson (KumoKodo) and a small core team. KumoKodo also builds Kodori — AI-native document management for law firms, the project that originated the hash-chained audit architecture Kuroji inherits. Kuroji's first customer is KumoKodo itself, which runs eight products across multiple Stripes, RBFCU bank, and Gusto payroll — a canonical multi-entity ICP.
Is Kuroji venture-backed?
Not yet. KumoKodo is a holding company funding its own products. We may raise for Kuroji specifically; we may not. The product roadmap is set independent of that decision.
How do I report a security issue?
security@kuroji.ai. We respond within 48 hours and credit reporters on the advisory page after fix.