SUI
Unemployment Insurance
SUI rate verification, voluntary contribution analysis, separation responses via SIDES, charge protests, benefit-charge audits.
- rate verification
- SIDES e-response
- voluntary contribution
§ the product
The compliance OS for CPA firms.
Receive every notice, cross-reference against your payroll, and file the response — with a hash-chained audit pack on every action. Built for firms that audit themselves before the state does.
SOC 2 Type II · renewed Jan 20267 compliance categories · 47 statesAudit packs · verifiable for 7 years
§ the workflow
Three operations. One ledger.
Most claim-response software stops at “draft.” Kreto handles receipt, cross-reference, and filing — and signs every step into one audit pack so you don't have to reconstruct the trail later.
01 · Receive
From any state, into one inbox.
Mail-scan integration in 47 states, direct API in CA · NY · TX · WA. Notices land parsed — claimant, employer, separation date, deadline — routed within 4 minutes of receipt.
/notices · today
09:14Reyes, M. · CA EDD4d
09:48Patel, A. · NY DOL7d
11:02Cho, J. · TX TWC14d
14:23Brown, T. · WA ESD10d
02 · Cross-reference
The agency's number, against your payroll.
Drafts pull facts from your payroll provider — ADP, Paychex, Intuit, Gusto, Rippling — and apply state-specific separation rules. Discrepancies surface as line-level deltas you can cite.
/notices/N-2026-0418-3104/xref
09:31Facts pulled · ADP RUNb3d7
09:34Δ flagged · §1256c1e9
11:02Sudheer M. · 2 editsd4a1
11:04Approved · partner sign-offready
03 · File
Direct submission. Confirmation receipts.
SIDES integration in select states; portal-assisted submit elsewhere. Filing receipt is captured automatically, hashed, and added to the audit pack alongside every prior step.
/audit-packs/AP-2026-Q2-N3104
14:48Filed · SIDES CAe7b2
14:48Confirmation capturedf1d3
14:48Pack sealed · Merkle rootac84
·Verifiable for 7 yearssealed
§ what we cover
Seven categories. Every state.
Kreto handles the entire employer-compliance perimeter — from unemployment insurance and payroll tax to ACA penalty letters and ICE I-9 audits. Each category has its own state-specific rules engine and document templates.
IRS
Payroll Tax
IRS notices (CP2000, 941, 940), state withholding mismatches, FUTA reconciliation, deposit-schedule penalties, abatement requests.
- CP2000
- 941 / FUTA
- abatement letters
WC
Workers Compensation
Class-code audits, premium reconciliation, e-mod tracking, audit-dispute letters, NCCI / state-rating-bureau correspondence.
- class-code audit
- e-mod tracking
- audit dispute
PFML
Paid Family Leave / SDI
State PFML / TDI / SDI contributions, eligibility verifications, voluntary-plan filings, employer rate notices, claim denials.
- contribution audits
- voluntary plans
- claim denials
DOL
Wage & Hour
DOL audits, overtime reclassifications, FLSA exemption disputes, state minimum-wage compliance, wage-theft claims.
- DOL audits
- FLSA exemptions
- minimum-wage drift
I-9
Employment Verification / I-9
I-9 audits, E-Verify discrepancies, ICE NOI responses, document-retention compliance, retroactive I-9 corrections.
- I-9 audits
- E-Verify
- ICE NOI
ACA
ACA / Benefits
Letter 226-J penalty assessments, 1094-C / 1095-C corrections, affordability-safe-harbor disputes, full-time-equivalent audits.
- Letter 226-J
- 1095-C corrections
- FTE audits
§ the engine
The agency's number, against your payroll.
Most claim-response software stops at “here's a draft letter.” Kreto's cross-reference engine reads the notice, pulls the matching pay-period facts from your payroll provider, and surfaces every line-level discrepancy with a citation.
step 1
Classify the notice
OCR + LLM extract claimant, employer, agency, jurisdiction, period, action required, deadline. PII redacted before any model call. Confidence score on every field.
step 2
Pull the matching facts
The engine queries your payroll provider for the exact pay periods the notice references — gross wages, separation date, employment dates, contributions — and hashes the source row.
step 3
Compute the delta
State-specific rules (e.g. CA UI §1256, NY UI base period) run against the agency's number vs. your payroll's number. The output is a line-by-line discrepancy with citations.
/notices/N-2026-0418-3104/xref · sample
agency_amount→$8,420.00
payroll_amount→$7,180.00
delta=−$1,240.00 · §1256
sample data · not a real notice
§ the audit pack
Every action signed. Every pack verifiable.
When a state wants to know what happened, you don't reconstruct from email and screenshots. You hand them a pack. Each pack is a hash-chained record of every notice action — receipt, edit, sign-off, filing — with a Merkle root anyone can verify offline.
For a CPA firm, the pack isthe work. The interface is just how it's assembled.
- SHA-256Per-action hash chain — receipt → draft → review → file. No silent edits.
- RFC 3161Trusted timestamps on every action, sourced from a US-TSA-anchored authority.
- MERKLEOne root per pack. Verify the entire pack with a single 32-byte hash.
- 7 YEARRetention matches IRS record-keeping. PDF + JSON · downloadable any time.
audit-pack.AP-2026-Q2-N3104
Reyes, M. · CA EDD · sealed Apr 22 14:48:23 UTC
events · 14
notice.receiveda8f2 9c1e
notice.parsed92cb 4d70
facts.pulled · adp_runb3d7 4f0a
facts.verified · 3 paystubs5e8a 8137
draft.generated · §1256c1e9 7b22
draft.edited · sudheer.md4a1 0f93
draft.approved · partner71f0 cd5b
filing.submitted · sidese7b2 ac84
filing.confirmed · sx-44021f1d3 22e7
artifacts · 7
notice.original.pdf · 312 kb0a2c
response.final.pdf · 184 kb9b8e
facts.json · 4.2 kb3f7a
filing-confirmation.pdf · 22 kbd109
✓ MERKLE ROOT VERIFIEDe7b27c11a4d309ac84f1d322e791b8e0a2c93f7a5e8a8137c1e97b22d4a10f93
Sample audit pack · identifying details fictional
§ infrastructure
Built on the rails states already use.
Kreto does not screen-scrape portals or rely on email-parsing hacks. We are a registered participant in the national electronic exchange systems that power state compliance.
SIDES E-RESPONSE
NASWA Agreement
Kreto holds a signed SIDES E-Response agreement with the National Association of State Workforce Agencies. UI claims and responses flow electronically through the SIDES Central Broker — the same system used by ADP, Equifax, and every major TPA.
TPA REGISTRATION
50-state coverage
Registered as a Third Party Administrator in all 50 states plus DC. Each registration is maintained with current surety bonds and state-specific compliance filings. Your employer clients get nationwide coverage from day one.
§ integrations
Where your firm already keeps the facts.
Drafts pull employment dates, separation reasons, and wages directly from your payroll provider. No duplicate data entry; no copy-paste mistakes; every fact is sourced and citable in the audit pack.
ADP RUN
api · live
ADP Workforce Now
api · live
Paychex Flex
api · live
Intuit QuickBooks
api · live
Gusto
api · live
Rippling
api · live
Justworks
csv · live
BambooHR
csv · live
Trinet
api · Q3
Paylocity
api · Q3
§ customer outcome
We don't reconstruct anything. The audit pack is the response. When the state called about a 2024 charge, I downloaded one PDF and the question was over.
Elena Marquez, CPA composite
Partner · Marquez & Bell · 480-employee book of business · 7 states · sample case study
Median response time · Marquez & Bell
11 days4 days
before kretoafter, 6 mo.
§ security
Your data never leaves the vault.
Compliance data includes SSNs, wages, and employer tax IDs. Kreto treats every byte as if it were our own — encrypted at rest and in transit, redacted before it touches the model, audited annually by independent firms.
AES-256 encryption
All data encrypted at rest and in transit. SIDES payloads use RSA-signed envelopes with AES-256-CBC encryption.
TLS 1.3
Every connection to Kreto uses TLS 1.3. No data leaves your browser unencrypted — ever.
PII redaction
SSNs, EINs, and bank identifiers are stripped before any AI processing. Raw PII never touches the LLM.
SOC 2 Type II
Annual audit of security controls, availability, and confidentiality. Pen-tested quarterly by independent firms.
See it on a real notice. 30 days free.
Connect your payroll, upload one notice, watch Kreto cross-reference it. No credit card to start, no commitment after the trial.