Product
ProcessProtectReconComply
Use Cases
PSPs & Payment ProcessorsFintechs & Digital BanksFinancial InstitutionsEnterprise TreasuryTransit & Municipal
Developer
API-FirstMCP for Coding AgentsSelf-Hosting & DeployArchitecture & Stack
Built for AI
Meet FloKnowledge BaseInternal MCP ToolsContext-Aware UIDocument Intelligence About
Book a DemoTry Free →
Process Pillar

"The Money Moves Here"

A production-grade double-entry ledger core with multi-currency settlement, a 6-type dynamic rules engine, and native payment rail integrations — deployed in a day, not a year.

Everything a Fintech Needs
to Move Money Correctly

The Process pillar is the beating heart of LedgerFlow — a double-entry ledger core that handles every accounting rule automatically so your team can focus on products, not plumbing.

Double-Entry Ledger Core
Every transaction posts balanced debit/credit pairs. Automatic DR/CR normalisation by account type — assets, liabilities, equity, income, expense. Zero accounting errors by design.
170+ Currency Support
All ISO 4217 currency codes supported natively. Real-time forex rates with configurable bid/ask spreads. Currency accounts can be multi-currency or single-denomination.
Dual-Currency Settlement
A single transaction can settle in two currencies simultaneously. Forex calculation, margin extraction, and revenue split — all within one atomic operation. Critical for cross-border PSPs.
Account Hierarchy & Profiles
Hierarchical chart of accounts with automatic parent balance aggregation. Account Profiles provide 100+ configurable fields — velocity limits, balance caps, fraud thresholds — inheritable across account trees.
Real-Time Balance Tracking
Hot/cold table split architecture: accounts_hot for in-flight balance updates, historical tables for analytics. Sub-millisecond balance reads at any scale.
Rating & Billing Engine
Configurable fee plans, usage-based pricing, and automated invoicing. SaaS module licensing (platform schema) on top of the core ledger for multi-tenant PSPs.

6 Rule Types. One Trigger.
Infinite Fee Logic.

Define fee extraction, forex margins, calculated splits, and event triggers declaratively — no code changes, no redeployments.

1
Fixed Amount
Post a fixed credit or debit on any transaction matching the rule. Flat-fee extraction, e.g. R2.50 per transaction.
2
Percentage
Calculate a percentage of the transaction amount. Revenue shares, interchange splits, margin extraction.
3
Forex
Apply a configurable exchange rate with bid/ask spread. Automatically posts the counter-currency leg into the correct account.
4
Calculated
Compose multiple rule results arithmetically. Tiered pricing, blended rates, and net-fee calculations.
5
Script (PL/pgSQL)
Embed arbitrary PL/pgSQL logic, compiled on demand. For complex fee schedules that can't be expressed declaratively.
6
Queue
Trigger an outbound HTTP or SMTP event when a transaction matches. Real-time webhooks, callbacks, and notifications — no polling required.

Africa-Native Payment Rails
Out of the Box

LedgerFlow ships with production integrations for the payment rails and networks that matter for African fintechs and PSPs.

PayFast
Full payment processing integration via PayFast API
Live
Visa Network
Visa payment network for card issuing and acceptance
Live
PayShap
South Africa's real-time payment rail via PASA
Live
NFC Card / Mobile Wallet
Tap-to-pay NFC card wallets and mobile wallet management
In Development
MTN MoMo
Mobile money integration for West & East Africa
Roadmap
M-Pesa
Safaricom M-Pesa integration for Kenya and East Africa
Roadmap
VAS
Value-added services: airtime, electricity, bill payments
Live
Blockchain Anchoring
Bitcoin anchoring via OriginStamp + OpenTimestamps
Live

PostgreSQL-Native.
No External Middleware Required.

process-architecture.txt
# Process Pillar — core tables

journal.accounts         Hierarchical chart of accounts (multi-currency)
journal.accounts_hot     HOT-optimised real-time balance table
journal.transactions     Transaction headers (Snowflake IDs, reversal tracking)
journal.transactions_details  Line items with automatic DR/CR normalisation
journal.journal_ext_rule 6-type dynamic rules engine
journal.account_profiles 100+ config fields, inheritable templates

# Snowflake IDs — no central coordinator
300,000,000,000+ transaction capacity
64-bit IDs with embedded timestamp component
Automatic partition pruning by Snowflake timestamp

# Dual PostgREST instances
Fast pool  (6 conn)  →  /rpc/transactions* endpoints
Default pool (10 conn) →  all other API calls
NGINX routes between pools transparently
Ready to put the ledger under your fintech?
Start your 30-day free trial. Full Process pillar. No credit card.
Start Free Trial →Book a Demo