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LEDGER · DOUBLE-ENTRY, REAL-TIME

Books that balance at auth speed.

Every authorization posts a double-entry the moment it clears — cardholder, merchant payable, fees, FX, reserves. Queryable to the cent, auditable to the entry, closed daily instead of monthly.

rigid · ledger · journalPOSTING LIVE
txn_9f31 · auth clear · Lisbon 🇵🇹14:02:11.041
dr cardholder:4921€38.20
cr merchant:payable€37.51
cr fees:interchange€0.69
txn_9f4c · FX · GBP→SGD14:02:11.203
dr cardholder:7703£120.00
cr fx:clearing @1.7104S$205.25
trial balance · all programmes✓ 0.00
WHY IT MATTERS

Reconciliation becomes a query

Native to the processor

The ledger isn't fed by files from the processor — it IS the processor's source of truth. No T+1 settlement files, no drift, nothing to reconcile against.

Multi-currency, multi-programme

Accounts in any currency with FX posted as first-class entries. Trial balance across all programmes, or drill into one card's history to the cent.

Immutable and auditable

Append-only entries with full lineage — every balance is explainable as a sum of entries your auditors can trace to the originating authorization.

Your ERP, fed in real time

Stream entries to your warehouse or ERP via webhooks and exports. Finance closes daily; month-end becomes a formality.

“The ledger is the product. Our finance team closes the books daily instead of monthly, and reconciliation went from a two-person job to a query.”
Jonas Okafor · VP Finance, FinTech One

Bring your CFO to the demo.

We'll run a live trial balance across a simulated programme — and let them query it.