The Ledger for Real-Time Money Movement

Scalable OLTP database for tracking transactions.

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“Ledgers lets us track studio balances reliably and transparently, ensuring that we don’t have to manually verify studio balances before paying them out.”

Kurtis Poole
Product Manager at Classpass
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Use Cases

The Foundation for Any Financial Product

Deliver world-class product experiences with reliable infrastructure.

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Build a digital wallet

Ledger transactions and aggregate user balances at scale.

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Why Use Ledgers

Reliable Infrastructure. Built-in Expertise.

We help some of the largest fintechs and payments companies in the world build infrastructure they rely on.

Double-entry guarantees

Engineered with built-in accounting principles of consistency, immutability, and auditability.

A unified system of record

Use the Ledgers API to record all money movement in your payments stack.

Built-in account reconciliation

Compare and validate account balances, quickly resolving exceptions.

High-throughput ledgering

Support stringent performance requirements with battle-tested infrastructure.

Immutable system of record

Ensure your infrastructure is ready for audits and compliance.

Built for Developers

Build Faster with a RESTful API

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Available SDKs:
Designed for fintech and payment engineers

Fully Managed Infrastructure

Focus on your product. Let us handle caching, provisioning, and maintenance.

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Flexible Account Nesting

Nest millions of accounts in up to 5 levels of hierarchy with live balance aggregations.

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Balance Monitors

Create webhook alerts based on specific balance thresholds.

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Account Reconciliation

Compare ledger account with bank account balances, identify and resolve drift.

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Balance Locking

Prevent transactions from overdrawing balances with sync and async entries.

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Data Warehouse Sync

Continuously export Ledgers data into your warehouse of choice.

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Complete Audit Logs

Record and reconstruct all your transactions in an immutable ledger.

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Auto-Ledgering

Define ledgering rules for payment orders or ledger them atomically with a single API call.

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Account Settlements

Quickly model zero-balance accounts with direct

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“Launching new lending solutions presented an opportunity to build a single source of truth for our payments data. Implementing Modern Treasury's immutable, double-entry ledger would enhance our operations with accuracy, security, and auditability.”

John Quine
Head of Accounting at Parafin
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Resources for Payments and Product Leaders Everywhere