Kreto is an AI-powered compliance intelligence platform for CPA firms, employers, and payroll bureaus. It classifies 50+ types of government compliance notices across 9 categories (SUI/SUTA, workers compensation, wage & hour, PFML, I-9, ACA, IRS/federal, licensing, and collections), verifies them against payroll data using deterministic math, and generates protest letters, savings analyses, and compliance reports. Covers all 50 US states plus DC. Every calculation shows its work and is auditable by a CPA.