Banking rails.
Your brand.

A white-label embedded finance platform: accounts, payments, ledgers, and fees — engineered with the rigour that moving money demands.

Ledger Core

Double-entry.
Always balanced.

Every movement of value is recorded as a balanced double-entry transaction against an immutable journal. No exceptions, no "adjustments", no drift. Balances are derived, never stored as mutable state — so the books always reconcile.

Model Double-entry, minor-unit integers
Journal Append-only, gapless numbering
Currencies Multi-currency with rate snapshots
Audit Full trail, same-transaction audit writes
Chart of Accounts Reconciliation Statements Multi-currency Reporting
Journal Entry #10482
DR — Client Wallet · €4,120.00
CR — Settlement Account · €4,078.80
CR — Fee Revenue · €41.20
↓ posted atomically
Derived Balances
Wallet: −€4,120.00
Settlement: +€4,078.80
Fees: +€41.20
✓ Σ debits = Σ credits
Guarantees
Immutable
Gapless
Balanced
Audited
Payment Orchestration

Any provider.
One canonical model.

Payments flow through a canonical domain model with provider-specific adapters. Adding a new banking or PSP integration means writing a mapping adapter — not rebuilding your payment logic. A capability matrix per provider tells your platform exactly what each rail supports.

Rails SEPA, SWIFT, instant payments, cards
Adapters Sandboxed mapping layer per provider
Idempotency End-to-end idempotency keys
Webhooks Signed, retried, replay-protected
Provider Adapters Capability Matrix Status Tracking Returns & Recalls Batch Payments
🏦
Your Platform
───►
Canonical Model
───►
🔌
Provider Adapters
🇪🇺 SEPA SCT / Inst
🌐 SWIFT wires
💳 Card issuing
🔁 Recurring / batch
📥 Incoming webhooks
🧾 Statement ingest
Controls & Compliance

Four eyes.
Zero surprises.

Corporate payments above configurable thresholds require maker-checker approval — one user initiates, a different user authorises. WebAuthn passkeys secure every privileged action. Fees are computed by a deterministic engine with three-tier override precedence, so pricing is always explainable.

Authorisation Maker-checker, threshold-based
Strong auth WebAuthn / FIDO2 passkeys
Fee engine Deterministic, three-tier overrides
Documents Malware-scanned uploads, retention rules
Maker-Checker Passkeys Fee Transparency KYC Document Flow Audit Exports
TXN € 25,000.00
Approval progress
1 of 2 approvals
Makera.cohen — initiated
Checkerpending — j.levi
Auth method✓ Passkey verified
Policy> €10k requires 2 eyes

Building a platform that moves money?

Talk to us about white-label accounts, ledgers, and payment rails for your product.