Programmable Double-Entry Ledger.
Real-time double-entry bookkeeping engine for platforms. Sub-accounts, virtual hierarchies, instant reconciliation, and programmable posting rules via API.
Key Features
Double-Entry Engine
Every transaction creates matching debit and credit entries atomically. Balances always reconciled to the penny. Supports INR, USD, EUR, and custom asset types (reward points, loyalty tokens).
Sub-Account Hierarchies
Create unlimited sub-accounts under a master account - map to customers, projects, departments, loans, or any entity. Each sub-account has its own real-time balance, transaction history, and statement. Up to 5 levels of nesting.
Real-Time Reconciliation
No end-of-day batch processing - every transaction reconciled in real-time against bank feeds via BankMesh. Mismatch alerts within seconds. Auto-match rate of 98%+. Exception queue for partial payments and overages.
Programmable Posting Rules
Configure posting rules via API: auto-split platform fees (e.g., 2% to revenue, 18% GST to tax account), calculate daily interest, apply penalties, distribute marketplace payouts. Rules execute atomically on every transaction.
Lock, Freeze & Hold Controls
Lock accounts for investigation, freeze specific transaction types, or place holds on funds pending delivery/approval. Time-bound holds with auto-release. Granular controls via API.
Statement Generation
Auto-generate monthly/quarterly/annual statements per account or sub-account. PDF export, API retrieval, or email/WhatsApp delivery. Branded with your logo and GST details. SOA format for auditors.
Multi-Party Settlement
Split a single incoming payment across multiple accounts atomically. Perfect for marketplaces: buyer pays ₹1000 → ₹900 to seller + ₹80 platform fee + ₹20 logistics. All in one ledger entry.
Audit-Grade Immutability
Ledger entries are append-only - no deletes, no edits. Corrections via reversing entries. Cryptographic hash chain for tamper detection. Meets CA/RBI audit requirements out of the box.
Ledger API (Code Sample)
POST /v1/ledger/entries with debit_account, credit_account, amount, currency, metadata. GET /v1/ledger/accounts/{id}/balance returns real-time balance. GET /v1/ledger/accounts/{id}/statement for paginated history.
Event-Driven Webhooks
Subscribe to ledger events: balance_updated, threshold_breached, hold_placed, hold_released, statement_generated, reconciliation_mismatch. Build reactive workflows that trigger on financial state changes.
[ Integrated with India's Leading Banks ]
★ Deep Integration Partners - Direct API connectivity
How It Works
Transaction initiated via API
Ledger validates balance & rules
Debit/credit entries created atomically
Posting rules auto-execute (fees, tax, splits)
Sub-account balances updated in <5ms
Real-time reconciliation against bank feed
Webhook events fired to subscribers
Audit trail & hash chain updated