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The Database for Money Movement

Track money, points, or any other store of value in an accurate, scalable database.

For Modern Engineering Teams

Build for Longevity. Foster Customer Trust.

Set the foundation for financial data integrity with a database tailor-made for products that move money.

Track Balances at Scale

Latency and throughput to support high-volume use cases, from user wallets to card authorization.

How we designed Ledgers for scale

One Ledger, Any Use Case

Whether you track balances for customers or internal teams, we give you building blocks to create a ledger fit for your use case.

Consistent, Flexible Balances

Track balances in any currency using double-entry. Make them as granular as needed, or aggregate them by category.

Real-Time Ingestion

Keep balances up to date with an easy-to-use API that seamlessly embeds in your product.

Intelligent Event Handlers

Streamline ingestion with templates that translate events in production into ledger entries.

Complete Control & Security

Support for RBAC, SSO, SCIM, and SIEM. SOC I, SOC II, and PCI DSS compliant.

ClassPass Logo

“Ledgers lets us track studio balances reliably and transparently, ensuring that we don’t have to manually verify studio balances before paying them out.”

Kurtis Poole, Product Manager
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Battle-Tested Consistency

Quickly implement years of best practices in double-entry architecture and let engineers focus on what matters: your product.

Platform Overview

Get started with the Modern Treasury platform.

Ledgers Overview

Use the API to start tracking balances.

API Reference

A RESTful API to track and query balances.

Accounting 101

Apply accounting principles to track money confidently.

Frequently Asked Questions

No. A ledger database - or sub-ledger - automatically keeps track of balances related to a financial product or process. Companies use Ledgers to power the balance you see in an app like Splitwise, or to inform marketplace payouts in platforms like ClassPass. In these use cases, only a subset of transactions are tracked, and automatic, real-time access to balances is paramount. This differs from an accounting general ledger, which typically records all financial transactions for a company with the intent of creating retroactive financial statements.

Double-entry accounting is a time-tested method of accounting for tracking financial transactions. Implementing double-entry can help engineering teams create verifiable audit trails and ensure consistency. Ledgers abstracts away the technical complexity of implementing double-entry at the database level, allowing engineers to spend less time building accurate financial infrastructure.

Yes. We have worked with enterprises to speed up digital payment transformation by providing them with managed services, implementation support, payments advisory, and ledger design. Reach out to our sales team to learn more.

Modern Treasury can help ingest data from a range of internal systems, and external vendors such as banks, card processors, issuing partners, payment providers, data warehouses, as well as other third-party systems. Connections are built with our customer’s bespoke needs in mind upon onboarding.

Your Systems, Structurally Sound

Try Modern Treasury and experience the future of money movement.


Move and reconcile payments at scale.

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Reconcile transactions that affect your accounts and balances.

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