A $20,000 overpayment. Two states. Zero tools to catch it.

In 2023, Sudheer Erla — a software engineer running a small consulting business — discovered he had been overpaying state unemployment insurance (SUI) to both Oregon and Ohio for nearly two years. The total: over $20,000.

The root cause was not negligence. It was complexity. When Sudheer moved from Oregon to Ohio, his payroll provider continued withholding Oregon SUI while Ohio also began billing. No one flagged the overlap. No tool connected the dots between his payroll data and the state notices arriving in his mailbox.

After months of back-and-forth with state agencies, CPA calls, and manual rate lookups, Sudheer realized the entire system was broken. Every CPA firm in America was doing the same thing — manually reading notices, cross-referencing payroll, and drafting protests one at a time.

So he built Kreto: an AI-powered compliance intelligence platform that reads every notice, verifies every rate against actual payroll data, and generates protest-ready responses — automatically. No more $20,000 surprises.