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01 — Settlement & treasury API

Money movement,reconciled to the cent.

Ledger gives platforms one API for payouts, multi-currency balances, and a double-entry core that reconciles every transaction as it clears — across 41 markets, at T+0.

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Read the API docs
  • T+0 settlement by default
  • 41 markets on local rails
  • 99.99% uptime, 90-day
02 — What ships in the box

Three primitives. One core.

Everything a platform needs to move money sits behind three resources — each one plain JSON, each one reconciled by the same double-entry core.
/payouts

Send at T+0

Push funds to bank rails, cards and wallets in 41 markets from a single balance — FX locked at quote time.

Explore payouts
/balances

Hold in 30+ currencies

Multi-currency accounts with real-time available, pending and reserved views your finance team can trust.

Explore balances
/ledger

Reconcile by design

A double-entry core posts every movement twice, so the books agree the moment money moves — not at month-end.

Explore the ledger
03 — Production figures

The numbers the auditors see.

Live since 2021, audited every year since. These figures read straight from the settlement core — the same ledger your statements come from.

USD settled through Ledger in 2025

4.2B

Median settlement latency

0.4s

60-day API uptime

99.99%

Markets with local rails

41
  • SOC 2 Type II
  • PCI DSS Level 1
  • ISO 27001
  • Cards · ACH · SEPA · Pix
04 — Follow one dollar through the stack

From API call to agreed books, in three frames.

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01 POST /transfers

A call enters the core

Your platform requests a payout. Ledger validates the balance, locks FX at the quoted rate, and opens a double-entry transaction.

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02 RAIL DISPATCH

Local rails move the money

The transfer routes to the fastest rail in the corridor — cards, ACH, SEPA or Pix — and webhooks stream every state change back to you.

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03 T+0 CLOSE

Both books agree

The receiving balance credits, the source debits, and the pair reconciles before the confirmation reaches your dashboard.

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Elliot Navarro

CFO, Meridian Pay
We closed our first quarter on Ledger in four days instead of three weeks. The ledger simply agrees with the bank — every time.

Priya Whitfield

Head of Finance, Alden & Vale
Our monthly reconciliation went from two days to two hours. Ledger gives everyone one number they can trust.
05 — Ship it this sprint

Your first payout in a sandbox, today.

No sales call, no procurement dance — a sandbox key and the docs. Talk to us when volume shows up.
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