Allocation intelligence · Business books

PEMABU

Portfolio allocation intelligence for individual and commercial investors.
Business bookkeeping, reconciliation, and financial statements
for operators and firms — use one module or the full platform.

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Allocation ring preview

● Equity42.2% / 38%
● Fixed Income24.9% / 28%
● Alternatives23.8% / 22%
● Cash9.5% / 12%
● Crypto0.6% / 0%

Sample portfolio · USD 487,250

Dashed ring = targets · solid segments = actual weights

Two product lines

Allocation intelligence and business books

Portfolio monitoring for investors. Bookkeeping and statements for businesses. Use one or both.

Allocation intelligence

Individual and commercial portfolio intelligence

Monitor holdings, detect drift from target sleeves, run scenario analysis, and surface signals before small deviations become large problems — for self-directed investors and firms managing client books.

Individual investors

Allocation ring, drift alerts, weekly AI briefs, sovereign consolidated view, crypto sleeves, and marketplace strategy imports.

Commercial & family offices

Strategy Council memos, multi-portfolio oversight, endowment overlays, creator marketplace publishing, and attestation hooks for licensed deployments.

Allocation engine
Composite scoring, drift thresholds, and scenario simulation.
Sovereign view
Consolidated net worth across accounts without moving custody.
Strategy Council
AI-generated positioning memos with exportable PDFs.
Marketplace
Import sleeve blueprints and compare peer strategy grades.

Business books

Bookkeeping, reconciliation, and financial statements

Full double-entry workspace for operating companies and firm clients — bank feeds, reconciliation studio, period close, and P&L, balance sheet, cash flow, and tax-ready reports.

Operating businesses

Chart of accounts, Plaid bank connections, transaction rules, automations, and investment lot tracking for equities and crypto.

Accounting firms & bookkeepers

Multi-organization switcher, team roles, reconciliation write access, audit trails, and scheduled report exports.

Bank feeds & import
Connect institutions via Plaid or import CSV batches.
Reconciliation studio
Match statement lines to ledger entries with variance tracking.
Period close
Checklist-driven close workflow with locked periods.
Financial statements
P&L, balance sheet, and cash flow with drill-down.

Full product overview →

Modular access

Subscribe to what you use

Some customers run allocation and books together. Others need only portfolio intelligence or only bookkeeping. Pemabu billing follows per-service SKUs — not an all-or-nothing bundle.

Full platform

Allocation intelligence and business books in one workspace — shared org context and unified reporting.

Allocation engine & sovereign view
Books, reconciliation & statements
Optional trust attestation

View pricing tiers →

Allocation only

Core, Intelligence, or Autonomous tiers for investors who do not need the books workspace.

Drift monitoring & scenario sim
Marketplace & Strategy Council
À la carte intelligence add-ons

Allocation pricing →

Books only

Bookkeeping and financial statements for businesses and firms — without portfolio allocation modules.

Chart of accounts & bank feeds
Reconciliation studio & period close
P&L, balance sheet, tax reports

Request books access →

See all access profiles →

Cryptographic attestation consumer

Pemabu anchors books close and reconciliation to daily Merkle-root attestations from the licensed Flomisma settlement pipeline. Financial balances are tied to immutable infrastructure proofs. Execution vault credentials operate inside Pemabu's regulated perimeter — not Flomisma's public API.

Available on enterprise / licensed deployments. Pemabu sovereign execution vault runs in Pemabu's regulated perimeter — distinct from Flomisma portal infrastructure.