SearchDouble-entry ledger APIs and ledger databases that fintechs and platforms use to keep program balances.
An open-source programmable ledger for fiat and digital assets, with payment connectivity, flows and reconciliation.
A ledger API with a schema-defined chart of accounts, plus card and ACH payments, priced per ledger entry.
A payments platform whose Ledgers API keeps double-entry balances for wallets, card programs and FBO accounts.
An open-source financial transactions database built on debit/credit, published under the Apache License 2.0.
A cloud ledger and payment processor company whose Core Ledger keeps settled, pending and encumbered balances.
A program ledger records every money movement as balanced debit and credit entries and keeps each customer’s balance inside a pooled account at the sponsor bank. This category lists managed ledger APIs and open-source ledgers, with each provider’s data model, balance features, published pricing and documentation. How a program ledger works and what sponsor banks ask of it is covered in ledger as a service. Profiles here include Modern Treasury, Fragment, Twisp, Formance and TigerBeetle.
What is ledger infrastructure? Software that records transactions as double-entry entries and keeps balances, either run by a provider behind an API or run by the program itself.
Is a program ledger the same as a core banking system? No. The core is the bank’s system of record; the program ledger tracks who owns what inside the program’s pooled account.
Are there open-source options? Yes. Formance Ledger and TigerBeetle publish their code under open-source licenses.
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.