Product
ProcessProtectReconComply
Use Cases
PSPs & Payment ProcessorsFintechs & Digital BanksFinancial InstitutionsEnterprise TreasuryTransit & Municipal
Developer
API-FirstMCP for Coding AgentsSelf-Hosting & DeployArchitecture & Stack
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Built by Fintech Engineers.
For Fintech Engineers.

LedgerFlow is an enterprise-grade ledger and accounting platform purpose-built for payment service providers, fintechs, and financial institutions operating in Africa. We handle the infrastructure so you can focus on your product.

466.9
Average TPS (tested)
11ms
Core transaction latency
17
Orchestrated services
41K+
Lines of production SQL

Financial infrastructure that doesn't need to be rebuilt at scale

African fintechs and payment operators routinely outgrow their financial infrastructure before they outgrow their product-market fit. Accounting systems bought for a few thousand transactions a day buckle under hundreds of millions. Reconciliation spreadsheets that worked fine at launch become full-time jobs at scale.

LedgerFlow was built to close that gap. Starting from first principles — double-entry bookkeeping, immutable audit trails, real-time balance propagation — we built a platform that handles the volumes and the regulatory obligations of a licensed payment operator on day one, not year five.

We are a South African company. We understand SARB licensing, POPIA data residency, MFMA public sector obligations, and the PayShap ecosystem. Our customers should not have to explain the regulatory context to their infrastructure vendor.

Headquarters
Cape Town, South Africa
Built for Africa, deployable globally
Deployment Model
Self-contained Docker Compose — 17 services. Run in your data centre, private cloud, or any VPS. No SaaS data residency concerns.
Licensing
Commercial licence with full source access. No per-seat fees. Volume-based pricing aligned to your transaction growth.
Open Standards
PostgreSQL, PostgREST, OpenTelemetry, JWT/OIDC. No proprietary lock-in. Your data stays yours.

17 Services. One Compose File.

PostgreSQL 18
Core ledger engine with pgmq, pg_partman, pgvector, Snowflake IDs, and argon2 auth
PostgREST
Dual-instance REST API — default pool for general queries, fast pool for transaction endpoints
SQLPage
SQL-driven web UI with 148+ pages across 19 feature domains. No separate frontend build
Go 1.25
Four queue processors: HTTP, SMTP, WebSocket, and DB tasks — 10-worker bounded concurrency each
NGINX
Reverse proxy with native OpenTelemetry instrumentation, rate limiting, and dual upstream routing
Grafana + Prometheus
Pre-provisioned dashboards with 9 scrape targets, 15-second intervals, and Loki log aggregation
Tempo + Pyroscope
Distributed tracing (7-day retention) and continuous profiling across all services
Keycloak / OIDC
Enterprise SSO via OIDC alongside local JWT auth and session-based authentication

The Principles Behind the Platform

Correctness is non-negotiable
Double-entry bookkeeping is not optional. Every debit has a matching credit. Balances are real-time. The ledger is always the source of truth.
Performance at launch, not at scale
466 TPS and 11ms latency are the baseline, not stretch goals. Customers should not have to rearchitect to handle growth.
Audit trails by default
Trigger-based audit on every schema. Actor, timestamp, IP, and full before/after diff — always. Turned on from day one, not bolted on before the audit.
Controls built into the workflow
Maker-checker, velocity limits, fraud scoring, and approval gates are embedded in the transaction engine — not add-ons that can be bypassed.
Your data stays yours
Self-hosted, open standards, no vendor lock-in. PostgreSQL is the exit strategy — the schema is documented and accessible.
Designed for African operators
POPIA, SARB, MFMA, PayShap, SWIFT, and SADC settlement norms are first-class concerns — not afterthoughts for a system built somewhere else.
See the platform for yourself.
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