Kordio Ledger

Books that balance by construction.

A double-entry ledger API for anything that moves money. Postings that must sum to zero, an append-only journal, and reconciliation against the processors that actually moved it.
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Journalappend-only
#4021  Hold placed      spend:agent_ops      120.00
#4020  Hold committed   executed - funding   120.00
#4019  Hold reversed    provider declined    -48.40
#4018  Payout settled   EUR                1,200.00

What it does

One account per spender. Always balanced.

A transaction is a set of postings that must sum to zero. Each agent, service or counterparty owns an account, so what one of them spent is a query against the books rather than an exercise in reading metadata.
Balances that cannot drift
Every transaction balances per currency, checked before it commits. Anything that does not sum to zero is rejected.
Append-only journal
Corrections are reversals, never edits. History stays replayable and one tenant’s postings never touch another’s.
Reconciliation
Match against processor statements, and see the breaks that did not match rather than a number that quietly absorbed them.
Period close
Close a period and the books stop moving underneath you. Reopen deliberately, never by accident.
Financial reports
Trial balance, balance sheet, income statement and cash flow, generated from the postings rather than a parallel pipeline.
Multi-currency
Fiat, stablecoins and crypto in the same books, each balancing in its own currency.
Idempotent by contract
Every transaction takes an idempotency key. A retried write cannot double-post.
Replayable webhooks
Events for every posting and period change, delivered to your systems and replayable when your consumer was down.

With the control layer

Authorize the spend, then keep the book.

Kordio Control decides whether an agent may spend at all. Mirroring those decisions straight into these books is not switched on yet, so today the two are bought and run separately.
See how one decision works→

Pricing

Included in every tier.

The books come with the control layer. There is no separate ledger price and nothing extra to buy: every Kordio tier, sandbox included, writes what it decided into double-entry books. See theone ladder.

Post your first balanced transaction.

Sandbox keys in five minutes, no card. Post a transaction that does not balance and watch it get refused.
Start in the sandboxRead the API docs