For schools, studios and non-profits that take payments on Stripe # Books that show their work. Every Stripe payment becomes a signed receipt your families can check. Seal a month, and any later change shows. Export in open formats any time; receipts and seals check with a free tool, with or without us. [Get early access](https://tfd-ledger.pages.dev/early-access) [Accountants: free seat](https://tfd-ledger.pages.dev/for/accountants) [Verify a sample receipt](https://tfd-ledger.pages.dev/#proof) AI can do your books. How would you know it did them right? **Because every number shows its work.** Each total opens to the payments behind it. Each payment has a receipt the payer keeps. Each month can be sealed, and anyone can check the seal without asking us. ## One story, six chapters · lit where it ships 1. 01 Money in Today 2. 02 Books Today 3. 03 Proof Today 4. 04 Close Next 5. 05 Taxes Later 6. 06 Finance Later 01 · Money in Today ### Payments arrive as events. Tuition, memberships, class packs and bookings come in through Stripe. Each one lands as an event with a time, an amount and the Stripe record it came from. Nothing is typed in by hand. 214 events · October 2026 02 · Books Today ### Every event becomes balanced books. Each payment posts as a debit and a credit, so the books always balance. Events are append-only: a correction is a new event, never an edit. Replay the events and you get the same balances and journals. ✓ **Durable.** Export in open formats (Parquet, hledger, CSV) any time. Receipts and seals check with a free tool, with or without us. The engine's source is public on GitHub. Books · balanced · replayable 03 · Proof Today ### A signed receipt for every payment. A seal on every month. Each Stripe payment gets a receipt signed with the school's key. The family keeps it. If the books are changed later, the receipt no longer matches. At month end you seal the month, and each seal is chained to the one before it. Change a sealed month and the seal stops matching. Keep your copies and you can show it. ✓ **Resilient.** Lose the books, keep the events, and replay gives the same balances and journals. Retired keys stay in the key list, so old receipts and seals keep verifying after a key rotation. JUNIPER MICROSCHOOL 1420 W Idaho St, Boise, ID 83702 EIN 84-3921047 Receipt · Sample Paid by The Kessler family Student Mara Kessler For Tutoring · October 2026 · 32 hours · $25.00/hr Amount $800.00 USD Paid 2026-10-03 · Visa ···· 4242 Stripe in\_1SGq4m2eZvKYlo2C9bXk3Qa7 Itemised lines from the school's Stripe invoice. Signed record event 01M41M0YW0JH3ARC874HFM8291 event hash cc2803f8…ea0bf075 signed by Juniper Microschool · key juniper-demo-2026-10 sealed in October 2026 · seal 2026-10 sig \-gNiDOK\_…eHAw (Ed25519) The signature covers this record: no names, no email, just the payment and a hash of the event in the books. Sample data. Names and amounts are invented. The signature is real and verifies against the sample's demo key, right here in your browser. Nothing is sent anywhere. Checking signature·Checking books·Checking seal **What a pass proves, and what it doesn't** ### What a pass proves, and what it doesn't Proves - The receipt was signed with the named key. - It hasn't changed since it was signed. - The amount, date and Stripe record are as signed. - When the verifier holds the school's books: they hold the same event, and its month is sealed. Doesn't prove - That the school delivered the hours. - That a state program accepts the receipt. - That the key belongs to the school, unless you got the key from the school or from Trifold. [Check your own receipt](https://tfd-ledger.pages.dev/verify) 214 receipts · 1 seal · 0 changed Ledger · Juniper Microschool Sample Date Event Amount 1. 10-01 payment.succeeded · in\_1SGv…SHs5 **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3W1…8301 $800.00 2. 10-01 payment.succeeded · in\_1SGG…WTs7 **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3W2…HYB8 $800.00 3. 10-01 payment.succeeded · in\_1SGU…gJ6K **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3W4…ATEV $800.00 4. 10-01 payment.succeeded · in\_1SGF…d1rz **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3W6…HSR0 $800.00 5. 10-01 payment.succeeded · in\_1SG5…y0c3 **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3WG…VAC1 $800.00 6. 10-01 payment.succeeded · in\_1SG7…1NhG **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3WK…XF8N $800.00 7. 10-02 payment.succeeded · in\_1SGi…uJJZ **Dr** stripe 776.50 + 23.50fee **Cr** tuition 800.00 ✓ signed · 01M3YM…8686 $800.00 8. \+ 207 more 214 events · October 2026 Debits 171,400.00 Credits 171,400.00 Balanced ✓ 214 receipts · 1 seal · 0 changed October 2026 Sealed Sample ledger: 214 Stripe payment events for October 2026. The sample school's October, as events, as books, then as receipts under a seal. 04 · Close Next ### The month closes itself. Next. Today you reconcile against Stripe on demand and seal the month yourself. Next, Rifo reads the books, matches each day to its Stripe payout, explains any gap and proposes the close. **Rifo drafts. You approve. The engine does the math.** Every answer cites the events behind it. ✓ **Fast, today.** Rebuild any month's books from its events with one command. Also next: daily payout matching · Trifold as independent witness to each seal. Next · on the roadmap 05 · Taxes Later ### Tax time with nothing to find. Today your CPA gets signed receipts and books that export to hledger and Parquet, every number traced to a payment. Later: a year-end package built for your CPA, donation acknowledgments, 1099 exports. We prepare the records; we don't file your taxes. Later 06 · Finance Later ### Your numbers, in tables that last. Later: your financial history in open tables you can query with SQL. Cash forecasts. Agents for payables and receivables. Open formats, no lock-in. Later [See the roadmap](https://tfd-ledger.pages.dev/roadmap) See it live · sample school · no login ## A school's dashboard, computed by the engine. A year of tuition for a sample school: collected, net income, Stripe fees and payouts, with charts by plan and by month. [Open the live demo ↗](https://staging.b4uni.com/for/schools/dashboard) Honeycomb Hill Academy · sample school ✓ Verified against goldens ![The sample school's dashboard: tiles for collected, net income, Stripe fees and payouts, then charts of collected by plan, net income, payouts and the Stripe balance.](https://tfd-ledger.pages.dev/demo/honeycomb-dark-1600.jpg) Honeycomb Hill Academy is a sample school with synthetic data. Every number comes from the engine and is checked against its committed goldens. Simulations · invented names · synthetic data ## Simulate your organization. Same engine, same proof. Each vertical is a seeded scenario, and it goes live only when its numbers match byte for byte across the engine, hledger and DuckDB. [See the proof](https://tfd-ledger.pages.dev/proof) One sample school year growth-12mo · seed 7 · 1,964 events 1. The engine Trifold's own fold KPI hash19f08b80…7d48 ✓ same hash 2. hledger plain-text accounting KPI hash19f08b80…7d48 ✓ same hash 3. DuckDB SQL over the events KPI hash19f08b80…7d48 ✓ same hash One KPI hash per channel. All three match, so the three tools agree on every KPI. ### Schools Live In their words: families · tiers · class credits · yearly prepay Simulates - –Families on tiers - –Class credits - –Add-ons - –Yearly prepay - –Refunds - –Disputes The demo shows Collected · Net income · Stripe fees · Payouts [Open the live demo ↗](https://staging.b4uni.com/for/schools/dashboard) [For schools](https://tfd-ledger.pages.dev/for/schools) ### Fitness and membership studios Simulation coming In their words: members · class packs · drop-ins · win-back Simulates - –Monthly and annual memberships - –Class packs as credits that roll over or expire - –Drop-in add-ons - –Churn and win-back Will produce Membership revenue · Credit use · Retention · Refunds [For studios](https://tfd-ledger.pages.dev/for/studios) ### Churches and non-profits Simulation coming In their words: givers · recurring giving · gifts · pledges Simulates - –Recurring giving at amounts givers choose - –One-time gifts - –Campaign and building-fund pledges - –Refunds of mistaken gifts Will produce Recurring giving · Giver retention · One-time gifts · Refunds [For churches and non-profits](https://tfd-ledger.pages.dev/for/nonprofits) ### SaaS and digital products Simulation coming In their words: seats · usage credits · upgrades · failed payments Simulates - –Seat-based plans, seats up and down - –Annual prepay - –Usage credits such as API calls - –Upgrades and downgrades - –Failed payments - –Disputes Will produce Recurring revenue · Seat changes · Credit use · Failed payments [For developers](https://tfd-ledger.pages.dev/for/developers) ### Creators and online courses Simulation coming In their words: members · courses · launches · refund windows Simulates - –A paid community membership - –One-time course and digital-product purchases - –Launch spikes - –Refund windows Will produce Membership revenue · Course sales · Refunds [For developers](https://tfd-ledger.pages.dev/for/developers) Every organization here is invented, and its data is synthetic. Presets for studios, giving, seats and courses are coming. Who can check ## Anyone can check. No account. The same Verify button, five people. [Verify a sample receipt](https://tfd-ledger.pages.dev/verify) - **A parent at tax time** checks any tuition receipt, in the browser, without an account. - **A treasurer before the board meeting** shows a sealed month instead of a spreadsheet. - **A CPA in January** traces every number to the payment behind it. - **An auditor with no account** checks a sealed month with the free verifier. - **A donor** verifies the receipt for their gift. Built for schools first ## Receipts your families can use. Books your CPA can sign. We're starting with microschools and private schools in Idaho and Utah. Families need itemised receipts: the child, the hours, the dates, the school's EIN. Owners need a month that closes without a spreadsheet. CPAs need numbers that trace to payments. One record does all three. Receipts are designed against each program's published rules and reviewed with CPAs. Until a program confirms, we say "designed for", not "accepted by". [Get early access](https://tfd-ledger.pages.dev/early-access?role=school) [For schools](https://tfd-ledger.pages.dev/for/schools) Design partners: founder onboarding, free during the pilot. Also for [studios and gyms](https://tfd-ledger.pages.dev/for/studios) · [churches and non-profits](https://tfd-ledger.pages.dev/for/nonprofits) · [accountants](https://tfd-ledger.pages.dev/for/accountants) · [developers](https://tfd-ledger.pages.dev/for/developers). Who's behind it ## People first. Then proof. Placeholder \[Founder name\], founder \[One sentence: why books that show their work.\] To be written by the founder. Placeholder \[Design partners\] Logos and one quote each, only with written permission. This block stays empty until partners approve. Trifold provides tfd, the engine behind it. The code, the receipt and seal formats and the verifier are on GitHub. ## Questions **Will my state program accept these receipts?** We don't know yet, so we won't say yes. Each program sets its own rules. We're building receipts to the published rules and checking them with CPAs. Until a program confirms, we say "designed for", never "accepted by". Ask your program before you rely on any record, ours included. **Will you be around next year?** We plan to be, but you don't have to bet on it. Your books export in open formats (Parquet, hledger, CSV). Receipts and sealed months can be checked with a free tool that doesn't need us. **I already use QuickBooks or Mindbody.** Keep them. Trifold doesn't replace them. It builds a second set of books from your Stripe payments, with receipts and sealed months, that you can export for your accountant. Direct sync to QuickBooks and Xero isn't built yet. **What happens to my data if you go away?** It's yours to download any time, in open formats. Receipts and sealed months stay checkable with the free verifier, with or without Trifold. What you'd lose is the hosted service, not your records. **Is AI touching my numbers?** No. Today every number comes from fixed rules: the same payments always give the same books. Rifo, our AI assistant, isn't live. When it is, it will explain and suggest, cite the payments behind each answer, and never change a number without your approval. **What does it cost?** Design partners pay nothing during the pilot and get onboarding from the founders. Planned prices are on the pricing page and may change before launch. Checking a receipt or a seal is always free. ## Every dollar, three ways. Every month, sealed. Books **✓**·Receipt **✓**·Stripe **✓** [Get early access](https://tfd-ledger.pages.dev/early-access) [Verify a sample receipt](https://tfd-ledger.pages.dev/verify) Design partners: founder onboarding, free during the pilot.