Banking Ledger Software for Neobanks, Ewallets, PSPs

For electronic money institutions (EMI) or payment institutions (PI) like neobanks, payment or money transfer apps, and payment service providers (PSPs), efficient accounting is critical due to stringent compliance and reporting requirements.

SDK.finance banking ledger software offers a real-time accounting model that provides a breakthrough alternative for processing and accounting your financial transactions.

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What is SDK.finance banking ledger software?

The SDK.finance Platform is a ledger layer-based FinTech software serving as the backbone for a range of financial services products. Our banking ledger software provides a real-time transaction accounting model founded on the principle of splitting and merging transactions in a dynamic way, as opposed to traditional double-entry, fact-based accounting.

License SDK.finance source code for complete flexibility and faster implementation

Advantages of the SDK.finance banking ledger software over the traditional ledger

For business
Creation of complex business processes
Business process automation
Real-time transaction execution and accounting
Creation of complex business processes

While the traditional general ledger works perfectly well for simple business processes, SDK.finance banking ledger caters to the complex ones that require flexibility, like authorization, rolling of the reserve account, affiliate program, transaction with anti-fraud check, etc.

Business process automation

With SDK.finance ledger you can program business processes by setting rules for automatic calculation, execution, and recording of all technical transactions within the business process flow, such as commission extraction to a system’s commission account, affiliate reward extraction to the affiliate’s technical account, transfer of payment to the merchant’s account, etc.

Real-time transaction execution and accounting

Our accounting model works in real time and ensures that every transaction is executed and recorded immediately, providing access to up-to-date financial information at all times.

For accountants
Automated accounting
Traditional data available
Rewind, rollback, and cancellation of transactions
Automated accounting

SDK.finance banking ledger automates the manual work traditionally performed by accountants. The system executes and records all transactions according to the previously designed and programmed business processes.

Traditional data available

SDK.finance banking ledger can present accounting data as traditional entries, maintaining compatibility with established accounting practices.

Rewind, rollback, and cancellation of transactions

Unlike traditional accounting systems, SDK.finance allows you to rewind, roll back or cancel initiated transactions at any point in their execution. This gives you flexibility and control over your accounting records.

For your customers
Instant payouts
Faster processing
Instant payouts

With SDK.finance banking ledger, payment service providers can seamlessly facilitate fund transfers to merchant accounts and deduct commissions instantly, enabling merchants to access their funds without delay.

Faster processing

SDK.finance ledger helps reduce the time it takes to complete financial transactions which enhances customer satisfaction and optimizes business operations.

Empower your financial product with a real-time accounting model

SDK.finance banking ledger’s robust architecture leverages several key entities to manage transaction accounting operations effectively.

 

Business process

Each business process contains a flow, representing the transaction sequence within it.

 

Flow

Flows dictate the order and execution of transactions. They can be designed to reflect business processes of any complexity.

 

Transaction

Transactions form the building blocks of flows. They can be split and merged, allowing for flexible and adaptive accounting flows that align with your specific requirements.

 

Container organization

Our accounting model treats each wallet in the system as a container with properties similar to an object in programming. This enables effective wallet management and control over funds movement.

Seamless scalability

SDK.finance banking ledger provides dynamic scalability, managing over 230 million daily transactions with a robust workload capacity of 2,700 transactions per second (TPS)—more information about technology.

 

2,700
transactions per second
34,5M
transactions per day
1B
transactions per month
12,6B+
transactions per year

Ready-to-use integrations

The SDK.finance ledger software comes with pre-integrated providers for key functionalities such as payment acceptance, card issuance and KYC compliance. This streamlined integration process ensures a hassle-free setup of your financial transactions. You can find more information about integrations here.

Source code license for
enterprises

Full source code access

Complete freedom to modify and customize at your pace.

Warranty protection

Stay secure with coverage for bug fixes and timely security updates.

Comprehensive support

We empower your team with in-depth training, guidance, and ongoing support.

Meet your deadlines

Collaborate seamlessly with your in-house team to meet deadlines.

Minimized development risks

Avoid the bottlenecks of building from scratch

Consistent updates

Get regular Platform updates and improvements for peak performance.

More info on source code

SDK.finance banking ledger software – customer spotlight

Geidea - a leading PSP in KSA, UAE and Egypt

The SDK.finance ledger has empowered our customers to optimize their accounting processes, deliver exceptional user experiences, expand their market reach, and unlock new growth potential in the fintech landscape.

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MPAY: An intuitive payment app on top of ledger layer software

Learn how MPAY successfully converted their network of cash-in payment kiosks into a comprehensive payment app by seamlessly integrating with the SDK.finance ledger software and leveraging its robust foundation.

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    from 2,700

    Transactions per second

    11+

    Years on the market

    470+

    APIs

    60+

    modules

    Our pre-integrated partners

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