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product
Real-Time Ledger
Engine for Fintechs
Track balances, transactions, and internal transfers with full auditability. FinLego’s API-first ledger gives you accurate financial records - down to the cent, second, and sub-account.
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What Is
a Ledger System?
In fintech and embedded finance, a robust ledger is the foundation of trust. It tracks every movement of money - between accounts, across products, and over time. But legacy systems weren’t built for modern, high-volume use cases.

FinLego’s Ledger is a purpose-built, real-time accounting engine that records every financial event with precision and transparency. It’s not just bookkeeping - it’s the backbone of your financial product.
Engineered for Scale, Accuracy, and Transparency
Sub-Account Architecture
Create nested account structures per user, per product, or per currency. Ideal for wallets, marketplaces, and platforms managing multiple balances under one roof.
Double-Entry Accounting
Every debit is matched with a credit - ensuring financial integrity across your entire product flow. Automatically generates balanced journal entries for each transaction.
Real-Time Balances
Instant balance updates across all accounts, even in high-frequency environments like trading, wallets, and P2P payments.
Immutable Transaction Logs
Every movement is permanently recorded with timestamp, metadata, and traceability. Nothing is ever lost, deleted, or overwritten - ideal for audits and compliance reviews.
Multi-Currency Support
Track balances and transactions in any currency, with real-time FX conversion if needed. Automatically handle gains/losses or isolate per-currency ledgers.
Ledger API
Use our API to post journal entries, create account structures, fetch balances, or run reconciliations. Built for developers with clear documentation and strong performance.
Who Benefits from a FinLego’s Ledger?
Digital Wallets & Neobanks
Accurately track all deposits, transfers, and FX movements across user wallets. Maintain internal ledgering even with pooled IBANs or custody structures.
Card Issuers
Manage user balances, card transactions, and real-time limits with traceable accounting and per-product segregation.
Payment Providers
Log every transaction and fee across corridors and partners. Run reconciliations with bank statements and payment network data.
Crypto Platforms
Separate crypto and fiat flows while maintaining a clean double-entry ledger. Tag trades, on-chain transfers, and custody actions with full visibility.
Embedded Finance Tools
If your product touches money - this is your foundation. Use our ledger to support any use case that needs real-time financial logic without building your own from scratch.
Reliable, Affordable, and Built for Speed
  • Fast to Launch
    With FinLego, you get a production-ready, real-time ledger engine that can be integrated and configured in a few weeks - with full support from our team.
  • Real-Time Syncing with Accounts & Transfers
    Our ledger is fully integrated with FinLego’s accounts, payment, and crypto modules. Each transfer automatically posts to the ledger - no sync headaches.
  • Pre-Built Workflows for Wallets, FX, and Fees
    Out of the box, you can configure how to record wallet top-ups, cross-currency conversions, commissions, partner payouts, and more.
  • Modular for Any Architecture
    Use FinLego’s ledger as a standalone module, or tightly integrated with our broader platform. It adapts to your stack - not the other way around.
  • Reconciliation and Reporting Made Easy
    Export balance states or transaction logs at any point in time. Run automated reconciliations with external bank or processor data.
  • Audit-Ready and Transparent
    Every transaction is permanently logged, timestamped, and traceable. Perfect for meeting regulatory, partner, or investor demands for transparency.
Transparent, Traceable, Trusted
Emma L.
CFO
With FinLego’s ledger, we finally have full visibility across pooled accounts, crypto wallets, and our own fee logic. It's made audits faster and operations smoother.
Marco P.
Co-Founder
We used to track balances manually with spreadsheets and APIs. Now every movement is logged automatically, and our compliance team actually sleeps at night.
Samir A.
Head of Engineering
What impressed me most was how easy it was to integrate and customize. We run a complex multi-product stack, and FinLego’s ledger handles it cleanly.
Designed for Financial Integrity and Control
  • Data & Transaction Security
    • Ledger data is encrypted in transit and at rest
    • Signed journal entries to prevent tampering
    • Strict access controls with role-based permissions
    1
  • Built-In Auditability
    • Immutable transaction logs
    • Timestamps, tags, and metadata for every action
    • On-demand balance and history exports for any account
    2
  • Compliance-Ready Accounting
    • Double-entry logic ensures audit trails for every cent
    • FX and fee postings automatically classified for reporting
    • Reconciliation features help ensure external accuracy
    3
Start Logging Transactions in Weeks, Not Months
Define Ledger Structure
Set up your accounts, sub-accounts, and journal categories with our guidance.
Integrate API
Use our developer docs and sandbox to post test transactions and verify accuracy.
Connect to Live Payments
or Wallets
Hook into FinLego’s other modules or your external systems for real-time ledgering.
Configure Business Logic
Apply tagging, FX mapping, fee rules, and reconciliation workflows.
Go Live with Full Traceability
Launch your financial product backed by a ledger you can trust.