The PPRC Framework

One Platform. Four Pillars.
Everything You Need.

Every LedgerFlow capability maps to one of four independently deployable pillars. Use all four as an integrated suite — or start with the pillar your business needs most.

Process

"The Money Moves Here"

Double-entry ledger core · 170+ ISO 4217 currencies

Dual-currency settlement in a single transaction

6-type dynamic rules engine: fixed fees, forex, scripts, and more

PayFast + Visa payment network + PayShap payment rails

Mobile wallet, NFC card, VAS, and blockchain anchoring

Explore Process

Protect

"The Risk Stops Here"

Proprietary trigonometric cyclic fraud detection (8-flag composite scorer)

Visa network fraud intelligence signals

Maker-checker separation of duties (5-state workflow)

RBAC with 25+ permission categories · OIDC/Keycloak SSO

Trigger-based immutable audit on every table · SIEM in development

Explore Protect

Recon

"The Truth Emerges Here"

Configurable CSV reconciliation templates per partner

Multi-account, multi-currency matching with date/amount tolerance

Exception reporting — focus on what didn't match, not what did

Compresses multi-day manual reconciliation to minutes

ISO 20022 camt.053 parsing on the roadmap

Explore Recon

Comply

"The Proof Lives Here"

POPIA, FICA, SARB compliance built in — not retrofitted

Blockchain-anchored ledger: Bitcoin via OriginStamp + OpenTimestamps

Full KYC workflow: invite → in_progress → under_review → approved

Maker-checker as a compliance control (non-forgeable JWT identity)

Immutable trigger-based audit log with full JSON diffs

Explore Comply

For Builders

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

Two cross-cutting capabilities run across all four pillars — the developer surface you build on, and the AI that helps you operate it.

Developer

Build on the Financial Kernel

Auto-generated REST via PostgREST, a JWT/OAuth-secured MCP server for coding agents, and a fully self-hostable, PostgreSQL-native stack.

Explore the developer platform

Built for AI

An Analyst Inside the Ledger

Flo, the in-platform analyst; a RAG knowledge base; internal MCP tools for observability and SIEM; context-aware pages; and Docling-powered KYC.

Explore the AI platform

Competitive Position

Between Spreadsheets and
$100K Banking Cores — There Was Nothing.

Until now. LedgerFlow fills the gap that no competitor has — enterprise-grade capabilities at SME-accessible pricing, with Africa-native compliance and a self-hostable deployment.

Wave · QuickBooks · XeroTemenos · FIS · Thought Machine

✦ LedgerFlow

Affordable, but limitedPowerful, but $100K+

Capability	Wave / QuickBooks	Sage	Temenos / FIS	✦ LedgerFlow
Maker-checker workflow	✕	✕	✓	✓
Fraud detection engine	✕	✕	✓	✓ Proprietary trigonometric
Self-hostable deployment	✕	✕	✓	✓
Africa-native compliance	✕	Partial	✕	✓ SARB, POPIA, FICA
SME-accessible pricing	✓	Partial	✕	✓ From $499/month
API-first architecture	✕	Limited	Limited	✓ PostgREST auto-generated
Dual-currency settlement	✕	✕	✓	✓ Single transaction
Blockchain audit anchoring	✕	✕	✕	✓ Bitcoin via OriginStamp

LedgerFlow's moat is the combination of five attributes no competitor holds simultaneously: (a) enterprise-grade features, (b) SME-accessible pricing, (c) Africa-native compliance, (d) self-hostable deployment, and (e) all four PPRC pillars integrated. No single competitor holds more than two of these five attributes at once.

Architecture

PostgreSQL-Native.
No Kafka. No Redis. No RabbitMQ.

LedgerFlow replaces an entire middleware stack with PostgreSQL extensions — cutting infrastructure cost by 40–60% and making enterprise-grade deployment achievable in a day.

ledgerflow-architecture.txt

# Typical enterprise stack vs. LedgerFlow

Typical Enterprise           LedgerFlow
─────────────────────────────────────────────
Kafka     (messaging)   →  pgmq          (PostgreSQL)
Redis     (caching)     →  Materialised views
RabbitMQ  (queues)      →  pgmq + LISTEN/NOTIFY
Airflow   (scheduling)  →  pg_timetable
Elasticsearch (search)  →  Native full-text
─────────────────────────────────────────────
30+ services              →  17 services
6–12 months setup         →  Deploy in a day
$200K+ custom build       →  From $499/month
─────────────────────────────────────────────
# PostgreSQL 18 with curated extensions
pgmq · pg_partman · pgvector
snowflake · pg_timetable

# Transaction capacity
300,000,000,000+ transactions
No central ID coordinator · Snowflake IDs

PostgreSQL as Infrastructure

pgmq replaces Kafka. pg_timetable replaces Airflow. pgvector enables ML. One database does what six would normally require.

Snowflake ID Architecture

64-bit distributed IDs with embedded timestamps. 300B+ transaction capacity with no central coordinator and automatic partition pruning.

Dual PostgREST Instances

NGINX routes transaction endpoints to a fast 6-connection pool; all other requests to a 10-connection default pool. Zero middleware required.

Vendor-Pinned Supply Chain

All browser libraries are self-hosted, version-pinned, and SHA-256 recorded. No third-party CDN contacted at runtime. Immune to the polyfill.io class of attack.

Full Observability Stack

Grafana, Prometheus, Loki, Tempo, Pyroscope, and Alloy (OTel) — metrics, logs, traces, and continuous profiling.

Use Cases

Built for the Entire Financial Stack

From solo fintechs to financial institutions processing millions of transactions a day. LedgerFlow adapts to your scale, your compliance obligations, and your infrastructure.

PSPs & Payment Processors

Rule-driven fee extraction, dual-currency settlement, Visa network integration, and real-time reconciliation across multiple payment providers and currencies.

Learn more

Fintechs & Digital Banks

Embed the ledger API instead of building one. Mobile wallet, maker-checker, fraud detection, and KYC/AML — production-ready on day one.

Learn more

Financial Institutions & Banks

Self-hosted for data sovereignty. FICA/POPIA compliance. SIEM-grade security. Blockchain-anchored audit trail. Replaces $100K+ banking cores at a fraction of the cost.

Learn more

Enterprise Treasury Operations

Multi-entity, multi-currency treasury. Automated reconciliation. Rating & billing engine. VAS integration. Sweep rules and liquidity pooling on the roadmap.

Learn more

Transit & Municipal Operators

NFC card tap-to-pay systems. Closed-loop card wallets. Real-time settlement from rider to operator float account. Cards + reader already in development.

Learn more

Fintechs Building for Africa

Africa-native from day one: SARB, POPIA, FICA, PayShap, mobile money (M-Pesa, MTN MoMo), VAS, and multi-language support (French & Arabic on roadmap).

Learn more

Trust & Security

Built for Regulated Environments

Every trust signal a financial institution procurement team will look for — built into the platform architecture, not bolted on.

Blockchain-Anchored Ledger Integrity

Every ledger root hash is anchored to Bitcoin via OriginStamp and OpenTimestamps. Cryptographic, third-party-independent proof of ledger state — unique in the SME tier.

Visa Payment Network Partner

Integrated with the Visa payment network for both payment processing and Visa network fraud intelligence. Cross-merchant, network-level fraud data unavailable to individual PSPs independently.

✦ Visa Partner

Immutable Trigger-Based Audit Trail

Every table change is captured by a database trigger — user, role, client IP, action, old and new records as JSON diffs. The audit actor is session-role derived: non-forgeable, even via direct RPC calls.

Maker-Checker Separation of Duties

A 5-state approval workflow: Pending → Pre-Auth → Authorised → Processed / Rejected. Maker and checker identities are server-side JWT-derived — they cannot be forged by any client-side manipulation.

Data Sovereignty & Self-Hosting

Full platform deployed via Docker Compose on your own infrastructure. No mandatory cloud dependency. Satisfies NDPR (Nigeria), Data Protection Act (Kenya), GDPR, and POPIA data localisation requirements.

RBAC with 25+ Permission Categories

Granular role-based access control enforced at the database level — not just the application layer. OIDC/Keycloak SSO supported. MFA (TOTP + Passkeys) on the Horizon 1 roadmap.

Let's Talk

Enterprise Features.
A Conversation — Not a Price List.

Every LedgerFlow deployment is shaped around your business. Tell us where you stand on the four pillars — Process, Protect, Recon, and Comply — and we'll show you what we can do to enhance each one.

Contact Us for a Discussion → Book a Demo

Each PPRC pillar is independently deployable. Need just the Recon engine or the Protect overlay? Start with the pillar your business needs most — contact us for a discussion on what we can do to enhance your four pillars.

FAQ

Common Questions

Do I need accounting expertise to use LedgerFlow?

No. LedgerFlow automatically handles debit/credit normalisation based on account type — you enter amounts and the system applies the correct accounting logic. The PROCESS pillar is built so a fintech developer can integrate a compliant double-entry ledger without needing an accounting degree.

How does LedgerFlow handle multiple currencies?

Multi-currency is native — not an add-on. LedgerFlow supports 170+ ISO 4217 currency codes with real-time forex rates, configurable bid/ask spreads, and margin extraction. The proprietary dual-currency settlement feature processes cross-border payments in two currencies within a single transaction.

Can I self-host LedgerFlow?

Yes. Enterprise and Sovereign tier customers can deploy the full platform using Docker Compose on their own infrastructure — cloud, on-premise, or hybrid. All 17 services are containerised and orchestrated. No data ever needs to leave your environment.

What makes the fraud detection different from basic threshold alerts?

LedgerFlow's PROTECT pillar uses proprietary trigonometric circular statistics — sin, cos, and atan2d — to model each account's 24-hour behavioural patterns across a 90-day baseline. An 8-flag composite scorer combines time-of-day anomalies, amount deviations, and velocity outliers. The Visa network integration adds cross-merchant, network-level fraud intelligence.

How does the PPRC pillar model work — can I buy just one?

Yes. Each of the four pillars — Process, Protect, Recon, and Comply — can be purchased and operated independently. A PSP that already has a ledger may only need the Recon capability. Starting with one is a valid and common entry point.

What compliance standards does LedgerFlow meet?

LedgerFlow's COMPLY pillar covers: POPIA (data protection), FICA (KYC/AML), and SARB regulatory requirements. Full KYC workflow, immutable audit logging, maker-checker as a compliance control, and blockchain-anchored ledger integrity are all included.

Get Started

Ready to Replace Your Spreadsheets —
or Your Banking Core?

Start your free 30-day trial. Full features. No credit card required.

Start Free Trial → Book a Demo

Contact Us · [email protected] · Try the Live Demo

The Financial Kernel forAfrica's Next Generationof Fintechs.

One Platform. Four Pillars.Everything You Need.

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

Between Spreadsheets and$100K Banking Cores — There Was Nothing.

PostgreSQL-Native.No Kafka. No Redis. No RabbitMQ.

Built for the Entire Financial Stack

Built for Regulated Environments

Enterprise Features.A Conversation — Not a Price List.

Common Questions

Ready to Replace Your Spreadsheets —or Your Banking Core?

The Financial Kernel for
Africa's Next Generation
of Fintechs.

One Platform. Four Pillars.
Everything You Need.

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

Between Spreadsheets and
$100K Banking Cores — There Was Nothing.

PostgreSQL-Native.
No Kafka. No Redis. No RabbitMQ.

Enterprise Features.
A Conversation — Not a Price List.

Ready to Replace Your Spreadsheets —
or Your Banking Core?