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Real-Time Ledger Software for Banks, PSPs & Fintechs

Built for EMIs, PIs, neobanks, wallet and remittance apps, and payment service providers, SDK.finance helps you manage transactions, balances, and reconciliation in real time while meeting strict compliance and reporting requirements.

Our ledger software provides a reliable accounting foundation for accurate money movement, transparent operations, and scalable financial products.

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Banking ledger software

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.

SDK.finance company
SDK.finance source codelicense for complete flexibility and faster implementation

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

For business
For accountants
For your customers
For business

Creation of complex business processes

The SDK.finance banking ledger caters to the complex ones that require flexibility, like authorization, transactions with anti-fraud checks, etc.

Business process automation

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.

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.

enterprise grade fintech platform
For accountants

Automated accounting

SDK.finance banking ledger automates the manual work traditionally performed by accountants.

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.

general ledger software interface
For your customers

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.

Built-in CRM

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 consists of a defined flow that represents the sequence of transactions or activities required to achieve a specific outcome.

 

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/KYB 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

source code access

Full source code access

Complete freedom to modify and customize at your pace.

Warranty protection

Warranty protection

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

Comprehensive support

Comprehensive support

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

Fintech company solutions

Meet your deadlines

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

Minimized development risks

Minimized development risks

Avoid the bottlenecks of building from scratch

Consistent updates

Consistent updates

Get regular Platform updates and improvements for peak performance.

More info on source code

SDK.finance ledger software – customer spotlight

mena region payment acceptance giant
Payment acceptance

Geidea – MENA payment acceptance giant

Explore how Geidea, a leading payment service provider from the MENA region transformed its transaction settlement system by integrating SDK.finance software into its existing POS network and expanded to 3 countries.

Explore more
MPAY-wallet-and-payment-app
Digital wallet

MPAY digital wallet and payment app

Learn how MPAY, an online payment system, transformed a network of cash-in kiosks into a full-fledged payment app by integrating with SDK.finance software and expanding its capabilities.

Explore more
paywell logo
Mobile money

Paywell – mobile money payment provider

Discover how Paywell, a provider of digital payment solutions in EMEA, enabled mobile money payments using telecom wallet funds and enhanced financial inclusion by leveraging SDK.finance payment software.

Explore more
Nebeus multi-currency accounts, linked to Crypto & Fiat
Crypto exchange

Crypto-to-fiat solution for Nebeus

Explore how Nebeus, the innovative financial app for digital nomads and businesses, improved crypto-to-fiat connectivity and streamlined currency exchange, by using the SDK.finance ledger-based Platform.

Explore more
Super app
Super app

A Super App: Taxi, Food & Grocery Delivery, and Digital Payments

Discover how a leading Maghreb-based super app fast-tracked its fintech infrastructure using the SDK.finance source code Platform.

Explore more
Gevernment social benefits cards issuing SDK.finance Case study
GovTech

Government-Issued Social Benefit Card System

A national government built a secure, scalable social payment card system using the SDK.finance Platform under a Source Code License – in just 6 months.

Explore more

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    SDK.finance General Ledger Software? FAQs

    What is ledger software?

    Ledger software is a system used to record, organise, and track all financial transactions in a structured and consistent way.

    It maintains account balances by recording every movement of money, such as payments, transfers, fees, and settlements. Each transaction updates the relevant accounts so the totals always remain balanced and traceable.

    In banking and fintech, ledger software acts as the accounting backbone. It ensures accuracy, supports audits and reporting, and provides a reliable source of truth for balances, statements, and financial controls.

    What is a general ledger in banking?

    In banking, a general ledger is the central accounting system that records all financial transactions across the bank.

    It organises transactions into structured accounts such as assets, liabilities, income, and expenses. Every payment, transfer, fee, interest calculation, or settlement updates the general ledger so balances remain accurate and consistent.

    The general ledger acts as the bank’s source of truth for accounting. It supports financial reporting, reconciliation, audits, and regulatory compliance by ensuring that all money movements are properly recorded and traceable.

    How does SDK.finance general ledger software work?

    SDK.finance general ledger software records every transaction as a real-time accounting entry, ensuring balances are always accurate and consistent. Each payment, transfer, or fee creates ledger postings that update the relevant accounts instantly. This makes the ledger the single source of truth for balances, reporting, and reconciliation.

    How are a top-up, fee, and settlement recorded in the SDK.finance ledger?

    Scenario
    A customer tops up 100 USD and a 2 USD fee is charged.

    Ledger entries

    1. Top-up

    • Debit: Platform cash account +100 USD

    • Credit: Customer balance account +100 USD

    1. Fee charge

    • Debit: Customer balance account -2 USD

    • Credit: Fee income account +2 USD

    1. Resulting balances

    • Customer balance: 98 USD

    • Platform cash: 100 USD

    • Fee income: 2 USD

    Each step is posted immediately, so balances, reports, and statements always reflect the current state of the system.