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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. 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 ledger?

The Platform is a ledger layer-based FinTech software serving as the backbone for a range of financial services products. It 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.

Advantages of the banking ledger over the traditional ledger

For business
For accountants
For your customers

Creation of complex business processes

While the traditional general ledger works perfectly well for simple business processes, 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 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.

Automated accounting 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 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, 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.

Instant payouts

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

Features out of the box

Serving the customers
Tailored for
Client onboarding
AML/Anti-fraud capabilities
Built-in CRM
User action history
Tailored for

Individuals (ewallet, neobank, money remittance, currency exchange)

Merchants (payment acceptance via POS or online)

Corporate (neobank for corporate clients) (coming soon)

Banking Ledger Software for Neobanks, Ewallets, PSPs
Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)


Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Banking Ledger Software for Neobanks, Ewallets, PSPs

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor, coming soon)

Banking Ledger Software for Neobanks, Ewallets, PSPs

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

Banking Ledger Software for Neobanks, Ewallets, PSPs
AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Banking Ledger Software for Neobanks, Ewallets, PSPs
Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

Banking Ledger Software for Neobanks, Ewallets, PSPs
User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Banking Ledger Software for Neobanks, Ewallets, PSPs
Monetization and finances
Contracts and vendors
Fees and limits
Reconciliation and settlement
Operations with cash
Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Banking Ledger Software for Neobanks, Ewallets, PSPs
Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Banking Ledger Software for Neobanks, Ewallets, PSPs
Reconciliation and settlement (coming soon)

Company liabilities reconciliation

Liabilities in front of your clients

Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Banking Ledger Software for Neobanks, Ewallets, PSPs
Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Banking Ledger Software for Neobanks, Ewallets, PSPs

Empower your financial product with a real-time accounting model banking ledger’s robust architecture leverages several key entities to manage transaction accounting operations effectively.

Banking Ledger Software for Neobanks, Ewallets, PSPs

Business Process

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

Banking Ledger Software for Neobanks, Ewallets, PSPs


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

Banking Ledger Software for Neobanks, Ewallets, PSPs


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.

Banking Ledger Software for Neobanks, Ewallets, PSPs

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 banking ledger provides dynamic scalability, capable of managing over 230 million daily transactions with a robust workload capacity of 2,700 transactions per second (TPS).

This ensures that the Platform can easily support your business growth by handling transaction volumes from 1 thousand to 1 billion or more transactions per month without performance issues.

Ready-to-use integrations

The 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.

Build your payment product on top of banking ledger

Let team of financial professionals with 10+ years of experience bring your  PayTech product with our Platform.


  • Accelerated Product deployment.
  • Ready-made PayTech backend Platform.
  • Experienced team without hiring headaches
  • Saved in-house team’s resources
Contact us banking ledger software – customer spotlight

Leading PSP (MENA): Revitalized payment lifecycle, improved scalability, enhanced accounting

The 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.


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 ledger software and leveraging its robust foundation.


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