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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Universal Transaction Control & Assurance

One Ledger Engine.
Every Transaction, Proven.

LedgerFlow is the self-hosted, event-driven ledger engine behind finance, transit and heavy-industry operations. One system of record processes every transaction, protects it with built-in approval controls, reconciles it against outside data automatically, and proves it to any auditor, regulator or board — without your data ever leaving your environment.

Book a Demo Explore the Four Pillars
Compliance-Ready by Design Runs in Your Environment Independently Verifiable Audit Visa Partner
PROCESS The record is made here PROTECT The risk stops here Ledger Flow RECON The truth emerges here COMPLY The proof lives here
One universal ledger engine. Built for:
Finance & Payment Rails Transit & Logistics Mining & Resources Enterprise Operations
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Of record changes captured in the audit trail
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Transaction capacity
0
ISO 4217 currencies supported
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Permission categories for separation of duties
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Records ever deleted — history is never rewritten
The PPRC Framework

Four Pillars.
Four Questions You Have to Answer.

Every board, every regulator and every auditor asks the same four things: can you account for every transaction, can you stop what shouldn't happen, does it agree with everyone else's records, and can you prove all of it later. Those four questions are the four pillars. Take all four, or start with the one keeping you awake.

Process
"Can you account for every transaction?"
A true double-entry system of record — entries balance or they don't post
170+ ISO 4217 currencies, with cross-border settlement handled as one movement
Fees, commissions and forex applied by configurable rule — not by hand
Connects to the payment rails and providers you already use
Balances that are current, not overnight — so exposure is never a guess
The same double-entry logic that balances a payment ledger also balances fare revenue and tonnage transfers — one engine, any transaction type
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Protect
"What stops the thing that shouldn't happen?"
Behavioural fraud scoring that learns what normal looks like per account
Network-level fraud intelligence through our Visa partnership
Maker-checker approval — no one person can move value alone
25+ permission categories, enforced at the data layer rather than the screen
Single sign-on through your existing identity provider
Maker-checker sign-off works the same for a wire transfer as for a weighbridge override or a duplicate transit pass
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Recon
"Do your records agree with everyone else's?"
Each partner's statement format configured once, then matched automatically
Multi-account, multi-currency matching with sensible date and amount tolerance
Your team reviews only the breaks — not the thousands of lines that agreed
Turns a multi-day month-end grind into a task measured in minutes
ISO 20022 bank statement ingestion on the roadmap
Match tap-card logs against bank files, or pit-head manifests against port receipts — the same automated matching engine underneath
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Comply
"Can you still prove it, two years from now?"
Data protection, KYC/AML and regulatory reporting designed in from the start, not retrofitted
Ledger state anchored to Bitcoin via OpenTimestamps — proof no vendor controls
KYC from invitation to approval, with the review history kept intact
Every change recorded with who, what, when, from where — and what it replaced
Nothing is deleted. Corrections are posted, never painted over
Immutable audit trails support subsidy and safety reporting, chain-of-custody and environmental compliance — not just financial audit
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For Builders

An API-First Core,
with AI Woven Through It.

Two capabilities run across all four pillars — the interface your engineers build against, and the analyst that helps your risk and finance teams operate it.

Developer
Build on the Financial Kernel
A documented REST surface with OpenAPI definitions, token-secured MCP access for coding agents, and a platform that runs entirely inside your own environment.
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Built for AI
An Analyst Inside the Ledger
Flo answers questions against your own data and cites the records behind every answer. Add automated document review for KYC, and models that run inside your boundary — nothing leaves it.
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The Questions That Keep You Up

Six Questions.
Most Platforms Can't Answer Them.

These are the questions that surface in a regulatory review, an external audit, or the week after an incident. If answering any of them today means exporting spreadsheets and hoping, that is the gap LedgerFlow was built to close.

"Who approved this payment?"
Not who says they approved it — who the system recorded, from an identity established at sign-in that no one can type into a form. Approver and requester are always two different people.
"Has this record been altered?"
Every change is captured with its before and after state. Nothing is deleted or edited in place, so there is no version of events that quietly replaced an earlier one.
"Prove this ledger existed last March."
Ledger state is anchored to a public blockchain. The proof does not depend on our word, our systems, or our continued existence — anyone can verify it independently.
"Why didn't anyone catch this sooner?"
Behavioural scoring flags what is unusual for that specific account, rather than waiting for a fixed threshold to trip. Unusual gets seen while it still matters.
"Do these balances agree with the bank?"
Reconciliation runs against every partner statement on a schedule. Your team sees the exceptions, not the thousands of lines that already agreed.
"Where does our data actually live?"
In your environment, under your control, in the jurisdiction you choose. That answer satisfies GDPR and the data-localisation rules across the markets you operate in.
The point is not that any one of these is novel. It is that they hold together in a single system of record — so the answer to one question doesn't contradict the answer to the next. That consistency is what an auditor is really testing for.
How It Runs

A Small Footprint,
Deliberately.

Most platforms in this category are assembled from a dozen moving parts, each with its own failure mode, its own patch cycle, and its own line in your security review. We took the opposite approach — because every component you remove is one you never have to defend.

A Deliberately Small Attack Surface
Fewer moving parts means fewer components to patch, fewer to monitor, and fewer to explain to a security reviewer. Consolidation is a security decision before it is an economic one.
Controls Enforced at the Data Layer
Permissions and audit capture live with the data itself, not in the screens above it. A request that bypasses the interface does not bypass the control — which is precisely what a penetration test goes looking for.
Built for Volume From the Start
Capacity for 300 billion transactions, with history partitioned and archived automatically as it ages. Growth is a configuration change, not a re-platforming project.
A Supply Chain You Can Account For
Every third-party component is version-pinned and checksum-recorded, and nothing is fetched from a public CDN at runtime. The class of attack that compromises thousands of sites through one hijacked script simply has no route in.
Open Telemetry, Not a Black Box
Metrics, logs and traces are emitted in OpenTelemetry format, so they flow into the monitoring and SIEM tooling your security team has already chosen. No proprietary agent, no vendor lock on your own operational data.
Deployed Where You Say
Your cloud, your data centre, or a hybrid of both. There is no mandatory call home and no shared multi-tenant store — each deployment stands entirely on its own.
Use Cases

We Sit Underneath, Not In Front

LedgerFlow doesn't take your customer relationship, your operating licence or your brand — whether that's a payment licence, a transit concession, or a mining permit. It runs behind them, keeping the record, applying the controls, and producing the evidence — for organisations from a single fintech to a transit authority to an institution moving millions of transactions a day.

PSPs & Payment Processors
You keep the merchant relationships and the rails. We keep the books behind them — fees applied by rule, settlement reconciled daily, and an audit trail your scheme partners and regulator can both accept.
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Fintechs & Digital Banks
Building your own ledger is eighteen months you could spend on the product your customers actually see. Embed a system of record that already has the approval controls, fraud scoring and KYC an auditor will ask about.
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Financial Institutions & Banks
Runs inside your own environment, so data sovereignty is answered before the question is asked. KYC/AML and data-protection obligations, separation of duties, and an audit trail anchored to proof that does not depend on any vendor.
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Enterprise Treasury Operations
Multi-entity, multi-currency positions in one place, reconciled automatically, with intercompany movements recorded rather than reconstructed at year-end. Sweep rules and liquidity pooling on the roadmap.
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Transit & Municipal Operators
Closed-loop fare systems where every tap is accounted for and operator settlement is provable — the evidence a municipal audit or public-funds review will require. Cards and readers already in development.
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Mining & Resources
Weighbridge tickets, pit-head manifests and port receipts recorded as transactions in their own right — net-weight versus dry-weight discrepancies, chain-of-custody, and safety/environmental reporting handled the same way a payment reconciliation is.
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Trust & Security

Built for the Procurement Questionnaire

The security and compliance section of a financial institution's vendor assessment is where most platforms start losing. These are the controls that section asks about — designed in, not bolted on afterwards.

Blockchain-Anchored Ledger Integrity
Ledger state is anchored to the Bitcoin blockchain through OpenTimestamps. The proof is cryptographic and independent of us — a third party can verify your records existed on a given date without our cooperation, our systems, or our continued existence.
Visa Payment Network Partner
Our Visa partnership brings network-level fraud intelligence into your risk view — patterns visible across the wider network that no single provider can see from its own traffic alone.
✦ Visa Partner
Immutable Trigger-Based Audit Trail
Every change to every record is captured: who, what, when, from where, and the full before-and-after state. The identity on that record is derived from the authenticated session, so it cannot be supplied, spoofed or overridden by whatever made the request.
Maker-Checker Separation of Duties
Value cannot move on one person's say-so. The request and the approval are separate acts by separate people, and both identities are established server-side — so segregation of duties is enforced by the system rather than promised in a policy document.
Data Sovereignty & Self-Hosting
The whole platform runs on your infrastructure — cloud, on-premise, or hybrid. No mandatory dependency on us, and no shared store holding another organisation's data next to yours. Satisfies GDPR and the data-localisation requirements of the markets you operate in.
RBAC with 25+ Permission Categories
Access is granted in narrow categories and enforced at the data layer, not merely hidden in the interface. Single sign-on through your existing identity provider, with multi-factor authentication and passkey support available.
Let's Talk

Start With the Pillar
That Worries You Most.

Every deployment is shaped around the business it sits behind. Tell us where you stand on the four pillars — Process, Protect, Recon and Comply — and we will show you what changes on each.

Contact Us for a Discussion → Book a Demo
Each pillar stands on its own. Facing an audit? Start with Comply. Drowning at month-end? Start with Recon. You do not have to replace what already works to fix the part that doesn't.
FAQ

Common Questions

Do we need accounting expertise to use LedgerFlow?
No. You enter amounts; the platform applies the correct accounting treatment for the account involved. The PROCESS pillar is built so an engineering team can put a compliant double-entry system of record behind their product without an accountant sitting next to them.
How does LedgerFlow handle multiple currencies?
Multi-currency is native, not an add-on. LedgerFlow supports 170+ ISO 4217 currency codes with live rates and configurable spreads, and settles a cross-border payment as one movement rather than a pair of entries someone has to reconcile later.
Can we run LedgerFlow in our own environment?
Yes — and for most of our customers that is the deciding factor. The full platform runs in your own environment, whether that is your cloud account, your data centre, or a mix of the two. No data needs to leave the boundary you control, which is usually the shortest route through a data-sovereignty review.
What makes the fraud detection different from a threshold alert?
A threshold alert only knows one number. The PROTECT pillar builds a behavioural baseline for each individual account — when it normally transacts, for how much, and how often — and scores new activity against that account's own history rather than a rule someone set once and forgot. Several independent signals combine into a single score, so one unusual attribute raises attention without drowning your analysts in false positives. Our Visa partnership adds fraud intelligence from across the wider network.
Can we start with just one pillar?
Yes. Each of the four pillars — Process, Protect, Recon, and Comply — can be adopted and operated independently. A payment provider with a ledger it is happy with may only want Recon; a business facing its first serious audit usually starts with Comply. Starting with one pillar and adding the others later is the most common path in.
Which compliance obligations does LedgerFlow address?
The COMPLY pillar addresses data-protection, KYC/AML and regulatory reporting obligations, with GDPR-aligned handling and support for the local regimes in the markets you operate in. A full KYC workflow, an audit trail nothing is deleted from, enforced separation of duties, and blockchain-anchored ledger integrity are all included. Compliance is not a module bolted on the side — it is a property of how the record is kept.
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What Would You Rather Explain —
A New Platform, or A Missing Audit Trail?

See the platform, review the controls, and talk to us about what your regulator and your auditor need from it.

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