Many client programmes, one console, one API
Each programme is a native object with its own rules, ledger and flows. Launch a new card product or a new market as configuration, and see every programme's books in one trial balance.
LEDGER · DOUBLE-ENTRY, REAL-TIME
Books that balance
at authorization speed.
Every authorization posts a double entry the moment it clears: cardholder, merchant payable, fees, FX, holds. Queryable to the cent, auditable to the entry, closed whenever you like instead of at month-end.
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→SGD · Singapore 🇸🇬14:02:11.203
dr cardholder:7703£120.00
cr fx:clearing @1.7104S$205.25
settle_2a · programme settlement · USDC14:02:11.377
dr settlement:visa:EUR€48,210.00
cr treasury:usdc52,141.38 USDC
trial balance · all programmes✓ 0.00
WHY IT MATTERS
Reconciliation becomes a query.
Native to the processor
The ledger is not 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.
Holds, captures and reversals as entries
An authorization places a hold; clearing captures it or releases it. Each step is an entry with its own timestamp, so a balance is always the sum of things that happened.
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.
150+ currencies, FX and stablecoin settlement
Accounts in any currency with FX posted as first-class entries at authorization time. Settle programmes in fiat or in USDC, USDT and EURC, with a trial balance across every programme and a drill-down to one card's history to the cent.
WHO BUILDS ON IT
Who Ledger is for, and what they get.
The same platform, used differently by different teams. Each card names the segment, the outcome, and the products that carry it.
Fund in stablecoins, spend anywhere, settle on-chain
Just-in-time funding from a wallet or protocol balance, one FX conversion at authorization, on-chain and card in one ledger, and USDC or EURC settlement seven days a week.
A card per vendor, per employee, per invoice
Virtual cards locked to a supplier, capped at the contract, expiring with the project, with KYB on the customer and a ledger that already knows what each charge was for.
Instant payouts and buyer-of-record cards, embedded in your product
Pay gig workers, claimants and sellers onto virtual cards pushed to their wallets, buy from third-party merchants with a per-order single-use card, and offer cards to your own customers under your brand.
Bring your CFO to the demo.
We run a live trial balance across a simulated programme and let them query it.