The treasurer gull. The finance agent — balances, spend digests and ledger questions answered conversationally, and proposed bookkeeping held behind a write-wall the keeper controls.
Binomial
Larus quaestor
Class
AI agent
Territory
Finance
Guardrail
write-wall · proposes, the keeper approves
Habitat
Telegram, owner-only
Diet
The general ledger, bank statements, planning surfaces
Song
Digests, drill-downs, proposed journal entries
Named for the Norse god of the sea and wealth. The ledger behind Njord is real double-entry accounting: 32 numbered rules, a provenance model where bank-original documents outrank everything, and exactly one sanctioned write path into the books. Njord answers freely but mutates nothing on its own — every proposed entry crosses the write-wall only with the keeper’s approval. The tedious 95% of bookkeeping is automated; the pen stays human.