# The AI-native _assurance firm_ for companies that move money We complete the audits and independent testing fintechs and banks are required to perform every year. [ Get in touch](/demo)[ACH audit](/ach-audit) ![Home Page Background](https://cdn.sanity.io/images/j3kx98iz/production/af9a033d910638b1c10d8fad61d1782592f7e606-2784x1280.webp?q=80&fit=max&auto=format&w=3840) ![](https://cdn.sanity.io/images/j3kx98iz/production/eb642fc322f43b7942a59f2c232ad4b2116592ed-2784x1280.webp?q=80&fit=max&auto=format&w=3840) ## Our experts make the calls. The software does the _legwork_. ![Image](https://cdn.sanity.io/images/j3kx98iz/production/d93e568aefdadd201ebc6623955b72658b37b649-618x392.png?w=618&q=80&fit=max&auto=format) ![Auditor](https://cdn.sanity.io/images/j3kx98iz/production/468da6535d962012236e60dfe7f70587c837299f-693x804.heif?w=693&q=80&fit=max&auto=format) ![AI Native Compliance Firm](https://cdn.sanity.io/images/j3kx98iz/production/70b2841ba6941a9099c188c6e7598bf5d561f82e-634x258.png?w=634&q=80&fit=max&auto=format) Clusia icon What we do. Audits and independent testing, done without the manual data gathering — starting with the ACH audit. Who does the work. Accredited practitioners on our team. They review the work and put their name on it. A new type of firm. Not a consultancy with software bolted on. The work is drafted from your systems before anyone asks you for anything, and it gets faster every year. What we do. Audits and independent testing, done without the manual data gathering — starting with the ACH audit. Who does the work. Accredited practitioners on our team. They review the work and put their name on it. A new type of firm. Not a consultancy with software bolted on. The work is drafted from your systems before anyone asks you for anything, and it gets faster every year. The ACH Audit ## Connect your systems, and the audit _fills itself in_ ![Background Image](https://cdn.sanity.io/images/j3kx98iz/production/5221354244e00f4ddeb381e5d62ce8015f0bdb82-2592x1080.webp?q=80&fit=max&auto=format&w=3840) #### Every answer shows its source The report it came from, the policy it cites, the date it was pulled. Nothing to dig up, and nothing to take on faith. #### It tells you what it can't answer Where your data doesn't answer a question, Clusia explains why. No silent guesses, and nothing you can't defend. #### Reviewed by experts An AAP-accredited professional checks every answer against its evidence and signs. Flat fee, quoted upfront. ![z](https://cdn.sanity.io/images/j3kx98iz/production/b683ca8c483aadd11705c01f99976dcf3ef9feac-90x90.svg) ![linear](https://cdn.sanity.io/images/j3kx98iz/production/e08ff3c488a32dc2e8aa49f52cd03561a647f0c3-90x90.svg) ![snow](https://cdn.sanity.io/images/j3kx98iz/production/1ca33d0495f6ac715cc480569560210266800428-90x90.svg) ![postgres](https://cdn.sanity.io/images/j3kx98iz/production/67d99f71763ef4a618273ba9cfb7afa87553f08c-90x90.svg) ![triangle](https://cdn.sanity.io/images/j3kx98iz/production/3a0203a5924a1fb19da47e5df9032619a42c9ef9-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/75a1abf4a49b6d133796a109b06958a080554725-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/a4ce7451e3d79415a01647e8ddb0309f16147a07-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/316a56808aa1a3fee70192ea4d8827152fb90f18-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/937dca9f0c2f7e74373507d3529269245ab540bb-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/717c4981ecc7f0cd4743cfa49fbdb16280c16320-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/3092e1c6329634dc89acd1dedeb27b7277feb165-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/5c0952adcbfc72da9de2c762a44c3ac6d0c1e536-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/4bd0cf15dbf0d7c9f71dddb741c21f48171db375-90x90.svg) ![icon](https://cdn.sanity.io/images/j3kx98iz/production/779a76e3131510477ef5a7356aecc315578d9396-90x90.svg) Clusia logo ## Clusia reads from the systems your answers already live in.
Don't want to connect? Upload documents instead, or answer the audit questions yourself. Connects to ![treasury](https://cdn.sanity.io/images/j3kx98iz/production/06ea137b2b6e3911f602e3475ff9ace72ae49fe4-52x52.svg) ![socure](https://cdn.sanity.io/images/j3kx98iz/production/00af690fa7c008fbb46e7e15ad26b7d86d78f352-52x52.svg) ![postgres](https://cdn.sanity.io/images/j3kx98iz/production/979a091004ae8a53df99eefb5a5726d50d343c36-52x52.svg) ![postgres](https://cdn.sanity.io/images/j3kx98iz/production/5d0307f5655e4fbb81c8d2afbc9da0545a8bccf4-52x52.svg) ![snowflake](https://cdn.sanity.io/images/j3kx98iz/production/2fe8e6b0e63b61959ae3df3e359bece10fa75072-52x52.svg) +more How it works - [Connect — or don't](#connect-or-don't) - [Clusia drafts the audit](#clusia-drafts-the-audit) - [Your team confirms](#your-team-confirms) - [AAP auditor reviews](#aap-auditor-reviews) How it works ## _Four_ steps to a signed audit ### Connect the platforms you already use. Authenticate once with read-only access you can revoke at any time. Prefer not to connect? Upload documents or answer directly. ### Clusia drafts the audit. It answers every question it can defend, source attached. Gaps come back as a punch list — what's missing, and what closes it. ![Sia Pre-fills Audits](https://cdn.sanity.io/images/j3kx98iz/production/7842deb13f14b96f88caad786265ea1d9f8232c7-1114x1080.webp?w=1114&q=80&fit=max&auto=format) ### Your team confirms. Review the drafts, fill the gaps, and route questions to whoever owns them with just an email. ![Question requires user input](https://cdn.sanity.io/images/j3kx98iz/production/082909ef9cde6b50edc90a9bbd4ce09d0cf4e093-1114x1080.webp?w=1114&q=80&fit=max&auto=format) ### A U.S.-based AAP reviews and signs. Accredited professionals check every answer against its evidence. You get a certificate and full report, on file for six years. ![Attestation UI](https://cdn.sanity.io/images/j3kx98iz/production/e41212950897617718b575d43ca303f052647762-1114x1080.webp?w=1114&q=80&fit=max&auto=format) ## Built for the standard you're held to Audit-ready is the resting state: every decision attributed, permissioned, and referenceable on-demand. [ Visit our Trust Center](https://trust.clusia.com/) ![Human-in-the-loop](https://cdn.sanity.io/images/j3kx98iz/production/019c3d0ea72ce34316125ca7bd890ef2626a1eba-626x760.png?w=626&q=80&fit=max&auto=format) ![](https://cdn.sanity.io/images/j3kx98iz/production/e93be73d6aff88865472d6e8591d098672cbd5ea-626x760.webp?w=626&q=80&fit=max&auto=format) ### Two sets of eyes Your team confirms every answer before submission. Our accredited auditor reviews the evidence behind it before signing. ![audit](https://cdn.sanity.io/images/j3kx98iz/production/7c9fe0fb58497751b1185c52cfc96eef76eac8f6-626x760.avif?w=626&q=80&fit=max&auto=format) ![](https://cdn.sanity.io/images/j3kx98iz/production/3bc7a8cf0f74215588a508d8d5ead68cd54e0906-626x760.webp?w=626&q=80&fit=max&auto=format) ### Full auditability Who drafted each answer, who confirmed it, what evidence it came from, and when. You can see the whole, immutable trail. ![governance](https://cdn.sanity.io/images/j3kx98iz/production/019c3d0ea72ce34316125ca7bd890ef2626a1eba-626x760.png?w=626&q=80&fit=max&auto=format) ![](https://cdn.sanity.io/images/j3kx98iz/production/1cb9aa71b7a3bc7f58da29c269147f1257ff966b-313x380.svg) ### Data governance & privacy No model training on customer data. Everything encrypted end to end, with granular role-based access. ## Your questions _answered_ upfront Is this a real Nacha audit? Toggle FAQ Yes. It covers the Nacha Operating Rules requirements for your participant type and SEC codes, produces findings and recommendations, and ends with a signed statement of completion — the proof of audit your sponsor bank asks for and you're required to retain for six years. Who actually performs and signs the audit? Toggle FAQ AAP-accredited auditors on our team review every answer against its evidence and sign. Nacha requires the audit be performed by someone qualified and independent of your ACH operations. What do you need from us? Toggle FAQ Answers to the audit questions. You can type them in yourself, or connect your systems and upload your policies and most of them fill in automatically. Connections are read-only, you control the keys, and you can revoke access at any time. What if you find problems? Toggle FAQ Nothing lands in the report as a surprise. We raise what we see as we go, you have a chance to respond and provide additional evidence, and anything that remains is documented with a recommendation and a remediation plan. What does it cost? Toggle FAQ A flat fee, quoted before you commit, based on your participant type and codes. No hourly billing and no change orders. When should we start? Toggle FAQ Audits are due December 31 and auditor calendars fill from October. Your team's part is measured in hours either way — starting earlier just means it's off your list.