01 / Evidence graph
See the full economic lifecycle.
Follow an order from authorization to capture, platform fee, seller transfer, payout report, bank cash, refund, dispute, and invoice impact.
AI-native reconciliation for platform payments
The financial control plane for money in motion.
Artemis gives marketplaces, PayFacs, and embedded-payment platforms a real-time operating system for reconciliation: processor events, internal ledgers, payouts, bank evidence, and reports connected into one explainable money graph.
Stripe Connect first. Designed for the companies where one payment becomes many obligations.
Connect
PSPs, banks, ledgers, databases, and files.
Normalize
Canonical money movement records with lineage.
Reconcile
AI-native reconciliation with deterministic controls.
Explain
Evidence-backed investigations and workpapers.
The system of record for payment operations.
The next generation of fintech infrastructure will not be managed in spreadsheets and exception queues. Artemis connects to the systems where money truth lives — PSPs, bank rails, product databases, internal ledgers, and files — then reconciles the fragmented reality of marketplaces, PayFacs, and embedded payments.
02 / Reconciliation engine
Automate reconciliation without losing control.
Combine exact IDs, amount/date windows, payout composition, tolerance rules, and AI-ranked candidates to reduce manual matching while preserving evidence.
03 / Operator workflow
Convert exceptions into action.
Every break becomes a clear narrative: root cause, financial impact, supporting records, confidence, close impact, and recommended next step.
Built for real operator workflows.
Artemis turns fragmented payments data into a workspace where finance and payment operations teams can trace lifecycle evidence, inspect reconciliation gaps, and ask direct questions about any dollar.
The evidence graph for payment operations.
See how a payment moves through processor events, internal records, transfers, payout evidence, and bank cash — with missing and candidate links surfaced instead of buried.
Ask any dollar. Get cited answers.
Operators can ask what happened to a payment and get a conclusion, confidence, observed evidence, open reconciliation gaps, cited source rows, and a next action.
Human-level investigation from the exception queue.
When reconciliation breaks need judgment, Artemis shows the full agent trace: data sources queried, evidence compared, confidence, resolution, and the exact records behind the recommendation.
The payments truth layer
AI that finance teams can actually trust.
Artemis keeps raw payloads, canonical entities, reconciliation links, and inferred matches separate. The AI can reason across messy money movement without pretending an inference is source truth.
Source truth
Processor objects from Adyen, Stripe, Checkout.com and other PSPs; internal ledger rows; bank statements; product databases; reports; and uploaded files.
Canonical layer
Charges, fees, transfers, payouts, refunds, disputes, adjustments, bank transactions, and internal orders.
AI-native recon
Exact links, candidate links, inferred payout composition, confidence scores, and human-review states.
Investigation
Explain what is missing, what is merely late, what matters for close, and what action is recommended.
Close-ready investigations
Reconciliation built for multi-party money movement.
Artemis does not just say two rows failed to match. It reconciles the payment network: customer charge, platform fee, seller transfer, processor fee, refund, dispute, payout, reserve, invoice line, and bank deposit.
AI is the investigation layer over a rigorous evidence graph — accelerating analysis without replacing the controls finance teams need.
Payout workpaper93% likely reserve hold
Root causeReserve hold candidate
Financial impact$420.00 open
Observed evidencecharge, transfer, payout object
Missing evidencepayout report line, bank cash
Close impactwatching, not resolved
Next actionwait for settlement report; review if stale
The reconciliation wedge for the platform economy.
Marketplaces and PayFacs do not have simple bank-to-ledger matching problems. They have split payments, seller liabilities, payout timing gaps, processor fees, reserves, disputes, refunds, and month-end close pressure — all at once.
Marketplace payout recon
Show which charges, refunds, fees, disputes, reserves, and adjustments created every seller or merchant payout — with source-backed and inferred composition clearly separated.
PayFac liability control
Flag refund-after-payout, chargeback-after-payout, negative merchant balances, reserve movements, ACH returns, and unrecovered debt patterns.
Embedded payments close
Tie processor activity, internal balances, FBO/cash accounts, uploaded bank statements, and settlement reports into close-ready reconciliation cases.
Fee and invoice intelligence
Compare expected fees, processor charges, monthly invoice lines, and daily settlement reports to catch margin leakage and close blockers.
Built by payment infrastructure operators
From the inside of global payments.
Artemis was started by two former Adyen engineers who saw the same pattern across modern payment companies: money movement is becoming more fragmented, more multi-party, and more difficult to observe with legacy reconciliation tooling.
Observability for every rail, processor, and ledger.
Marketplaces and PayFacs rarely run on a single clean source of truth. They operate across PSPs, bank accounts, submerchant balances, internal databases, settlement files, invoices, and exception workflows. Artemis is built to connect those sources, normalize the evidence, and reconcile money movement across them.
The connector layer is provider-agnostic: Adyen, Stripe, Checkout.com, and other PSPs; bank feeds and statement files; internal ledgers and product databases; reports, webhooks, SFTP drops, and APIs. The goal is not another Stripe dashboard — it is financial observability across the payment stack.
AdyenStripeCheckout.comBank filesFBO accountsInternal DBsLedgersReportsWebhooksSFTPInvoicesAPIs
A category-defining opportunity, grounded in controls.
Artemis is not a generic accounting tool or a chatbot over finance data. It is the foundation for AI-native reconciliation: deterministic where possible, probabilistic where necessary, and evidence-backed everywhere.
Controls before conclusions.
Exact IDs, amount logic, lifecycle state, and payout composition come before probabilistic analysis or AI explanation.
Evidence hierarchy stays visible.
Source truth, deterministic matches, inferred candidates, probability, and human approval are not collapsed into one vague answer.
Timing-aware reconciliation.
Normal settlement delays become WATCHING or PENDING states, while stale gaps and true breaks move into the exception workflow.
Connector-agnostic by design.
Start with PSP APIs and reports, internal order feeds, databases, bank files, SFTP drops, and webhooks. Normalize the evidence without locking the product to one provider.
Build the reconciliation layer modern payments deserves.
Use Artemis to know where every dollar went, what evidence proves it, what is missing, what blocks close, and what your team should do next.