The Controls Regulators Expect. The Speed Boards Demand.
Financial institutions face an impossible brief: modernise at pace while maintaining the controls, auditability, and segregation of duties that SARB, FICA, and POPIA require. LedgerFlow bridges that gap.
Institutional Pain Points
Audit gaps in legacy systems
Older core banking systems lack field-level audit trails with actor identity. Regulators increasingly require complete before/after records, not just event logs.
KYC refresh is manual
Document expiry, re-verification cycles, and onboarding status managed in spreadsheets. FICA violations discovered during examination rather than before.
Segregation of duties gaps
High-value transactions initiated and approved by the same individual. Maker-checker controls not enforced by the system — only by policy.
Reconciliation across entities
Multi-entity institutions consolidating inter-company balances manually each month. Currency translation handled outside the GL. Errors compounding quarterly.
How LedgerFlow Responds
Trigger-based field audit
Every INSERT, UPDATE, DELETE captured with actor identity, client IP, timestamp, and full JSON diff. security.system_audit cannot be modified by application users.
Automated KYC lifecycle
Hash-verified document storage, automated expiry tracking, 5-state review workflow. Reviewer identities attached to every status change. POPIA and FICA compliant.
System-enforced maker-checker
High-value and bulk transactions staged in mc_batch until an authorised second party approves. Maker and checker identities derived from JWT — unforgeable in the database.
Multi-currency GL consolidation
Native multi-currency ledger with automatic FX translation. Inter-entity transactions posted with mirrored entries. Monthly close from days to hours.
Institutional-Grade Capabilities
Regulatory Confidence at Every Layer
SARB / FICA / POPIA Alignment
Compliance matrix covers SARB regulations, FICA customer due diligence, POPIA data processing obligations, GDPR, and ISO 27001. Each control mapped to a platform capability.
RBAC with 12 Distinct Roles
Role-based access control with 12 pre-defined roles covering every operational function. Permission sets composable at the platform layer. Principle of least privilege enforced at DB level.
Real-Time Fraud Detection
Trigonometric 24-hour pattern analysis. 8-flag composite scoring. 90-day statistical profiling per account. Anomalies flagged inline before any posting completes.
Grafana Observability Suite
Pre-provisioned Grafana dashboards. Prometheus metrics, Loki log aggregation, Tempo distributed tracing, Pyroscope profiling — all connected and alerting on day one.
On-Premises or Private Cloud
17-service Docker Compose. No shared infrastructure. Complete data sovereignty. Regulators can examine a fully isolated deployment without external dependencies.
Performance at Scale
466.9 TPS average. 11ms core transaction latency. Snowflake 64-bit IDs support 300 billion transactions. Tested under sustained load with JMeter soak profiles.
Ready to pass your next examination with confidence?
Book a technical walkthrough for your compliance and IT teams.