One record. Four layers. Four areas.
Everything the agency produces is captured once, recorded in one place and read from there. The Record row is the product; everything above feeds it, everything below is read from it, and the spine keeps it honest.
Rules you ruled once. A person who signs.
Rulings
Every rule the agency runs on, written once, in plain words: who is paid what, on which terms, from which rail; which traffic partner serves which creator; what counts as revenue on each deal type. Numbered, dated, in your words. The record derives from them.
Ratify
Below a threshold the record posts by rule. Above it, a named person answers Y or N in the app, and the answer becomes a rule for next time. Silence is never an approval: an unanswered item appears on the month's report with its money and its owner.
Checks
Thirty-odd checks every month, each with an owner and the money involved: every rail ties to its statement; calculated pay equals paid pay; no payment booked twice; the month re-runs to the same books. "Cannot see" is a real answer, named, never hidden.
| Who | Books | Registers new parties | Rules | Signs |
|---|---|---|---|---|
| The system | Transfers between your own accounts, same entity and currency | — | — | — |
| Your deputy | Bookings and revenue lines up to $5,000 | Yes | Proposes | — |
| A director | Above $5,000 · between entities · anything outside terms | — | Confirms every rule | — |
| The controller | — | — | — | The month, every month |
The thresholds are the starting policy. They tighten only after two clean closes, never on trust. Terms changes are never confirmed without a director's word.
Every lever, every month — on sample figures
What the pack holds, drawn from the sample agency. Three layers: the agency's P&L against its benchmark, the fan economics behind it, and every creator's own P&L.
| Line | August | Benchmark / mo | vs bench |
|---|---|---|---|
| Revenue | |||
| Fixed-fee deals | 356,200 | 341,800 | +14,400 |
| Commission deals | 84,900 | 96,300 | −11,400 |
| Chat agency and referral | 27,820 | 31,200 | −3,380 |
| Total revenue | 468,920 | 469,300 | −380 |
| Direct costs | |||
| Creator fees | (36,400) | (33,900) | −2,500 |
| Traffic, by partner | (182,300) | (196,100) | +13,800 |
| Chat team | (58,700) | (55,400) | −3,300 |
| Gross profit · 40.9% | 191,520 | 183,900 | +7,620 |
| Overhead | |||
| Management and operations | (51,666) | (49,800) | −1,866 |
| Software, rent, professional | (23,937) | (22,100) | −1,837 |
| Bank, card and wallet fees | (6,719) | (6,200) | −519 |
| Operating profit · 23.3% | 109,198 | 105,800 | +3,398 |
Benchmark = average of the closed months, August included. Every line opens the rows behind it. Sample figures.
Traffic on a cash-paid basis; the tracker is used for attribution only. m+1 retention by cohort month, never re-indexed. Cohort vintages carry cumulative value per new fan at each month-end.
Creator economics
Each creator's P&L for the month and the year to date: revenue by her deal, her fee, the traffic bought for her, the chatters who sold for her, contribution, margin, ROAS on allocated traffic, LTV:CAC and whale share. Sorted by contribution; the loss-makers in red.
What goes, what stays
| Replaces | Connects |
|---|---|
| The payout spreadsheet and the split calculator | Banks and cards: Mercury, Wise, Metro, Revolut, Spanish banks |
| The tracker as the source of truth | Paxum, Cosmo and your wallets — TRC20, ERC20 |
| The monthly rebuild for the accountant | Infloww and Hubstaff, or their equivalents |
| "Management accounts" nobody signs | Your accountant's Xero or the gestoría's ledger, as a generated import |
Where each option stops
| Capability | Spreadsheets | Agency tools | Outsourced bookkeeper | NATIVO |
|---|---|---|---|---|
| Every rail reconciled to the bank, crypto included | ◐ | – | ◐ | ● |
| One record across entities and currencies | – | – | ◐ | ● |
| Turnover, spend and pay tied to platform statistics and hours | – | ◐ | – | ● |
| Payouts calculated from the terms on file, calculated vs paid | ◐ | ● | – | ● |
| Every USDT payout with hash, payee and value on the day | – | ◐ | – | ● |
| Monthly close with P&L, balance sheet and cash flow, signed | – | – | ● | ● |
| Daily cash and turnover, by 9am, on your phone | – | ◐ | – | ● |
| Rulings and thresholds: who signs what, enforced | – | ◐ | – | ● |
| Monthly checks report, including what cannot be seen | – | – | – | ● |
| Same exports, same books, every run | – | – | – | ● |
| The company owns the data and the system | ● | – | – | ● |
| Accountant files from these books | – | – | ● | ● |
● yes · ◐ partial or by hand · – no. If you run one rail and need splits and a portal, a $121-a-month tool is fine. If the numbers have to tie across rails, entities and people, that is NATIVO.
The record lives in a store you own, on a server you control.
We build it and run it for the first months; you keep it. Every figure traces to a source line. Export is complete and in open formats. Your accountant files from it; we never file. That is why the Build is charged and the running cost is low.