Product
ProcessProtectReconComply
Use Cases
PSPs & Payment ProcessorsFintechs & Digital BanksFinancial InstitutionsEnterprise TreasuryTransit & MunicipalMining & Resources
Developer
API-FirstMCP for Coding AgentsRuns in Your EnvironmentDeploy & Operate
Built for AI
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Process Pillar

The Record Is Made Here

A true double-entry system of record: multi-currency, balanced by construction, and connected to the payment rails you already use. Entries balance or they do not post — there is no third option. The same engine, unmodified, balances fare revenue for a transit operator and tonnage transfers for a mine.

Everything a Fintech Needs
to Move Money Correctly

The Process pillar is the beating heart of LedgerFlow — a double-entry ledger core that handles every accounting rule automatically so your team can focus on products, not plumbing.

Double-Entry Ledger Core
Every movement posts as a balanced pair, with the correct accounting treatment applied automatically for the account involved. Your engineers enter amounts; the platform keeps the books correct.
170+ Currency Support
All ISO 4217 currency codes supported natively. Real-time forex rates with configurable bid/ask spreads. Currency accounts can be multi-currency or single-denomination.
Dual-Currency Settlement
A cross-border payment settles in both currencies as one movement. The conversion, the margin and the split all land together — so there is no window where the two sides disagree and nothing for anyone to reconcile afterwards.
Account Hierarchy & Profiles
A hierarchical chart of accounts where parent balances aggregate automatically. Reusable account profiles carry your limits, caps and risk settings, so a new customer or merchant inherits the right controls instead of being configured from memory.
Real-Time Balance Tracking
Balances update as movements post, and stay readable in under a millisecond however much history sits behind them. Your exposure figure is never a stale overnight number.
Rating & Billing Engine
Configurable fee plans, usage-based charging and automated invoicing, so what you bill your customers is derived from the same records you reconcile and report on — not from a separate system that has to agree with this one.

The Same Ledger Logic,
Different Assets.

Process is not a payments feature bolted onto a database — it's a general double-entry engine. The rule that a movement must balance to post applies whether the unit being moved is a currency, a fare, or a tonne.

Finance & Payment Rails
A cross-border payment settles in two currencies as one balanced movement — margin and revenue split included, nothing left for anyone to reconcile afterwards.
Transit & Logistics
Fare balances and operator settlement rules follow the same double-entry logic: every tap posts as a balanced pair, or it doesn't post at all.
Mining & Resources
Net-weight versus dry-weight tonnage transfers post as balanced pairs the same way a payment does — the ledger core doesn't know the difference.

Fees Applied by Rule.
Not by Someone Remembering.

Fee schedules, revenue shares, forex margins and downstream notifications are configured once and applied consistently from then on — no code change, no release, and no spreadsheet that only one person understands.

1
Flat and Percentage Fees
Fixed charges, percentage cuts, or both — applied automatically to the movements that match, and posted as real entries rather than adjustments made later.
2
Revenue Sharing
Split value between parties at the moment the movement happens, so partner and merchant positions are always current instead of calculated at month-end.
3
Foreign Exchange
Apply your rates and your spread, with the counter-currency side of the movement posted automatically and the margin recorded where finance can see it.
4
Tiered and Composite Charges
Rates that depend on volume, value or customer band — expressed as configuration rather than as logic buried in an application somewhere.
5
Downstream Events
Notify another system, raise an alert, or send a customer message when a movement matches — so integrations react to the record rather than polling for changes.
6
Full Audit of the Rule Itself
Rules are versioned and their changes are audited. When a fee looks wrong six months later, you can see exactly what was in force at the time.

Connects to the Rails
You Already Use

LedgerFlow is not a payment provider and does not want to be one. It connects to the providers, card networks and instant-payment rails you have already chosen — and keeps the authoritative record of everything that moves across them.

Card & Online Payments
Direct integration with established online payment providers
Live
Visa Network
Card issuing and acceptance through our Visa partnership
Live
Instant Payment Rails
Real-time account-to-account payment schemes
Live
NFC Card / Mobile Wallet
Tap-to-pay NFC card wallets and mobile wallet management
In Development
Mobile Money
Mobile money wallets in markets where they carry the volume
Roadmap
Regional Wallets
Additional regional wallet and remittance networks
Roadmap
VAS
Value-added services: airtime, electricity, bill payments
Live
Blockchain Anchoring
Ledger state anchored to the Bitcoin blockchain via OpenTimestamps
Live

A Ledger That Cannot
Quietly Go Out of Balance.

The hard part of a system of record is not writing entries. It is guaranteeing that years of them still add up, that a correction never overwrites what it corrected, and that the balance you report is the balance that is actually there.

Balanced by Construction
An entry that does not balance is not accepted. There is no partial write, no half-posted movement, and no overnight job that finds the discrepancy the next morning.
Corrections, Never Overwrites
A mistake is fixed by posting a reversal that references the original. Both remain visible. Nobody can make an entry disappear, including us.
Balances That Are Current
Positions update as movements post, not in an end-of-day batch — so exposure and available funds are answers, not estimates.
Built for the Long Run
Capacity for 300 billion transactions, with older history partitioned and archived automatically while staying available for audit and enquiry.
Ready to put the ledger under your operation?
See how a system of record behaves when every entry has to balance — and stay provable.
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