Multi-Currency Ledger Software for Banks, PSPs & FinTechs
Track balances, transfers, fees, and settlement across currencies with real-time multi-currency ledger software built for regulated financial products.
SDK.finance helps banks, PSPs, EMIs, and fintechs manage currency-specific balances, internal transfers, transaction records, and reconciliation flows in a real-time double-entry ledger. The software can be adopted as a standalone ledger layer or used as part of a broader financial infrastructure stack.
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Built for Real-Time Multi-Currency Balance, Transfer, and Settlement Flows
Multi-currency financial products need more than standard balance tracking. They need a ledger that can reflect currency-specific balances, internal movements, fees, and settlement events in real time, while preserving a consistent audit trail across the full transaction lifecycle.
For banks, PSPs, EMIs, and fintechs, this matters across everyday operational flows: holding balances in more than one currency, processing transfers between accounts, charging fees, supporting payouts, and maintaining accurate records for reconciliation and reporting.
Separate Balances by Currency
Keep financial records organized by currency instead of treating all balances as a single pool. This helps teams maintain clearer balance ownership, more structured account logic, and better visibility into how funds are held across products, users, merchants, or partners.
Record Transfers and Postings in Real Time
Track internal transfers, balance changes, and transaction histories across multi-currency accounts as operational events happen. This gives financial products more consistent money movement records while helping teams manage day-to-day flows with greater precision.
Capture Fees, Settlement, and Reconciliation Logic
Record fees, settlement events, and related posting activity consistently inside one ledger layer. This improves traceability across cross-currency operational flows and supports more reliable reconciliation and reporting downstream.
Core capabilities for multi-currency
financial products
Real-time transaction posting
Balances and transaction records update as financial events happen. This supports products that need immediate operational visibility rather than batch or end-of-day updates.
Double-entry accounting
Every posting is recorded with double-entry accounting logic, helping preserve balance integrity, auditability, and consistent transaction tracking across multi-currency flows.
Currency-specific balance management
The ledger tracks balances by currency, making it easier to support products where users, merchants, or business entities hold funds in different denominations.
Multi-entity subaccounts
The platform supports multi-entity subaccounts, which is important for PSPs, wallet products, merchant flows, and other financial applications that need structured balance segregation.
Reconciliation-ready records
Transaction histories, balance movements, and posting records can support downstream reconciliation workflows and operational control.
API-based integration
SDK.finance exposes 570+ REST APIs across accounts, payments, wallets, onboarding, compliance, cards, reporting, and integrations, making it easier to connect the ledger to broader product infrastructure.
Use cases for banks, PSPs, EMIs, and fintechs
Multi-currency ledger software is especially relevant for products that operate across markets, customer segments, or payment corridors.
Multi-currency wallets
AvailableWallet products often need to maintain separate balances by currency, reflect incoming and outgoing payments in real time, and preserve a reliable transaction history for each account.
PSP and EMI account infrastructure
AvailablePSPs and EMIs may need to support multi-currency customer balances, merchant accounts, fee logic, and operational visibility across payment flows.
Merchant balance and payout systems
AvailablePlatforms serving merchants may need to hold balances, apply fees, and manage payouts in more than one currency while preserving clear operational records.
Cross-border payment products
AvailableCross-border products often involve more than one currency at the balance and settlement layer. A multi-currency ledger helps keep those records structured and traceable.
Remittance and transfer products
AvailableProducts that move money across regions can benefit from a ledger that records balance changes, posting logic, and transaction traceability consistently across currencies.
Multi-Currency Business Accounts
AvailableBusiness-facing financial products often need to support balances, transfers, and fees across currencies. A multi-currency ledger helps teams keep those records structured, traceable, and visible in real time.
Why SDK.finance
Built for multi-currency financial products that need real-time control
Real-Time Posting
Reflect multi-currency balance changes, transaction events, and internal money movement as they happen.
Double-Entry Control
Preserve transaction traceability with double-entry accounting and reconciliation-ready ledger records.
Flexible Adoption
Use SDK.finance as standalone SaaS, integrate through 570+ REST APIs, or choose Source Code options for deeper customization.
