Ledger Core
Double-Entry Accounting Core
Immutable, high-throughput accounting engine guaranteeing zero balance discrepancies, millisecond settlement, and complete audit trails.
E-Money Institutions (EMI)
Next-generation core banking & e-money infrastructure.
deploy digital wallet ecosystems, high-concurrency double-entry ledger systems and e-money issuance software in weeks, running under your own license. meet strict central bank safeguarding requirements with automated real-time reconciliation.
Double-Entry Ledger
Central Bank Safeguarding
PCI DSS Level 1
Multi-Currency Wallets
Live ledger events
streaming- 14:02:11wallet.issuedKYC tier-2 approved · acc_9xL2 provisioned
- 14:02:09ledger.postedTx #8942 · ₺14,500.00 balanced in 8ms
- 14:02:04safeguard.syncCentral bank custody balance verified
- 14:01:58card.tokenizedCompanion virtual card linked to wallet
- 14:01:52limit.evaluatedDynamic monthly velocity check passed
Safeguarded Balances₺420M ▲ 100% Reconciled
Complete core banking autonomy without legacy monoliths
Engineered for licensed electronic money institutions needing speed, auditability, and bank-grade scale.
Wallets
Multi-Tiered Digital Wallets
End-to-end user and corporate wallet management with customizable balance ceilings, transaction velocity rules, and sub-account hierarchies.
Compliance
Automated Safeguarding Reconciliation
Real-time segregation and reconciliation of customer deposits against central bank reserve accounts with automated regulatory report generation.
Card Issuing
Companion Virtual & Physical Cards
Direct hooks to issue open and closed-loop payment cards tied to wallet balances with instant Apple Pay and Google Pay tokenization.
Identity
Automated KYC/AML Verification
Modular integration with identity verification registries, PEP/sanction watchlists, and dynamic risk-based transaction monitoring.
Multi-Currency
Multi-Currency Sub-Accounts
Hold, convert, and settle funds in 30+ currencies with real-time internal FX quotes and automated treasury rebalancing.
The complete EMI operational lifecycle
From instant onboarding to central bank regulatory reporting.
1
1. Onboarding & KYC
Perform digital identity verification and provision tiered customer wallet accounts via unified REST endpoints.
2
2. Real-Time Ledgering
Process deposits, peer transfers, and merchant payments through the double-entry accounting engine in sub-15ms.
3
3. Card & Rail Issuance
Provision companion virtual cards and connect to local payment rails (FAST/EFT) for seamless pay-ins and payouts.
4
4. Regulatory Settlement
Automatically balance customer liabilities against safeguarding custody accounts with immutable audit logs.
0
Discrepancies across millions of transactions
<15ms
Real-time ledger posting latency
100%
Automated safeguarding reconciliation
99.99%
Core ledger uptime SLA
Launch your licensed e-money platform with confidence.
Get the carrier-grade ledger, wallet engine, and regulatory toolset your institution needs.