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The database for money movement

A scalable source of truth for the transactions and balances in your platform.

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How it works illustration

A ledger that scales with your growth

A consistent and performant ledgering API, from startup to enterprise.

Built-in safeguards on data entry and handling

Double-entry, immutability, and audit trails, out of the box.

Fast enough to handle card authorization flows

High throughput, low latency, and robust concurrency controls.

Simple implementation and maintenance

Clean API, data source agnostic, fully featured dashboard.

Flexibility to support any use case

Custom currencies, free-form metadata, account categories.

How it works

Build against a robust and ergonomic REST API, designed to power any product that moves money.

curl --request POST \
  --url https://app.moderntreasury.com/api/ledgers \
  -H 'Content-Type: application/json' \
  -d '{
    "name": "Marketplace Ledger",
    "description": "Represents our USD funds and user balances",
    "currency": "USD"

ClassPass scaled programmatic payouts to tens of thousands of studios with Ledgers

A ledger to power any money movement use case

Keep balances for internal and external users

  • Hold funds for millions of users with digital wallets.
  • Execute payouts programmatically at scale.

Power financial applications with an unopinionated ledger

  • Build new lending products.
  • Power innovative investing experiences.
  • Create the backbone of modern insurance apps.

Build a central source of truth in your payments stack

  • Build custom auth flows for your card issuing program.
  • Make your BaaS integration auditable and queryable.
  • Unify transaction data from payment processing APIs.

Work with custom currencies

  • Ledger crypto transactions in a unified data store.
  • Seamlessly launch points and rewards programs.
  • Handle multiple currencies in a single ledger transaction.

Designed to scale

Build your first ledger faster

  • Faster than building a system from scratch.
  • Double-entry from day one.
  • Dozens of best practices to build from.
  • Dedicated support in designing your ledger.

Data integrity for the enterprise

  • Flexibility to depict any subledger structure.
  • Sync with your data warehouse.
  • Performance to keep up with your volume.
  • Dedicated support in designing your ledger.

Try Modern Treasury and see how smooth payment operations can be.