Kordio Ledger · Fintech

The ledger under every user balance.

For neobanks · wallets · BaaS platforms · remittance apps · lenders

User funds, product accounts, fees, and payouts on one balanced journal. Ship a neobank, a wallet, a card program, or a remittance corridor without maintaining a homegrown ledger that only two engineers can safely touch.

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Balanced by construction
Append-only journal
Multi-asset, multi-currency

Fintech mobile app displaying account balances

This is Kordio Ledger, the record half of the platform. Kordio Control decides what your software may spend before it spends; the ledger keeps the books for what it did.

The friction

Where fintechs hit the ledger wall.

01
Every product needs its own ledger.
Wallet balances, card float, savings pockets, lending payouts. Each one starts as a Postgres table and ends as a critical-path microservice nobody wants to own.
02
User balances drift from provider truth.
Your BaaS partner, your card issuer, and your bank feed all report slightly different numbers by end of day, and the customer app just picks one.
03
Every new market is a rewrite.
A new currency, a new correspondent, a new local rail: another ledger fork, another reconciliation job, another set of on-call pages.

Why Kordio

Built for the way fintechs actually operate.

One journal for every user.: User balances, product accounts, fees, and revenue lines share one operating model. Balances update the moment a posting commits, no eventual consistency.
Multi-currency from day one.: USD, EUR, GBP, USDC, or any symbol you define, in integer minor units. Cross-currency movement posted explicitly, so FX P&L is a query, not a spreadsheet.
Reconciliation against real providers.: Load bank feeds, BaaS partner exports, and card processor statements; match against postings; flag what's off-book. Replayable, so a missed match is never permanent.

By the numbers

What "always balanced" looks like.

$0: Sandbox plan
100%: Balance invariants
5min: Signup to first API call
1API: Integration

Where to go next

Three questions, in the order people ask them.

Everything above is the ledger applied to fintech. These are the pages that answer whether it is right for you, and what it costs if it is.

What the ledger does: Balanced postings, reconciliation against what actually cleared, period close, and the reports finance asks for.
Build it, or buy it: When writing your own is the right call, the five signals it has run out, and the eight things that cost more than the schema.
What it costs: Priced on postings a month, not on seats. Free in test mode with no card, and every number published.

Ship the product. Not the ledger.

One API. The journal is our problem to run. Your engineers get to focus on what makes your fintech different.