Modern Treasury Ledgers
The Ledger for Real-time Money Movement
Scalable OLTP database for tracking transactions.
Modern Treasury lets us track studio balances reliably and transparently, ensuring that we don't have to manually verify studio balances before paying them out.
One Ledger. Every Transaction.
Ledgers gives you a single, immutable system of record to track balances, transactions, and money movement across your entire stack.
Unified System of Record
Use the Ledgers API to record all money movement across your payments stack.
Built-in Accounting Guarantees
Engineered with double-entry accounting principles for consistency, immutability, and auditability.
Real-Time Visibility
Query balances and transactions in real-time, and review audit trails for every account and transaction.
Built for Scale
Battle-tested infrastructure built to handle billions of transactions with high throughput and low latency.
The Foundation For Any Product That Moves Money
Deliver world-class product experiences with reliable infrastructure.
Launch digital wallets seamlessly
Power card programs with real-time balance updates
Scale investment platforms with ease and confidence
Keep refunds and in-app transactions closed loop, reducing fees and delays
Manage omnibus funds with precise account tracking
Support split payments, ensuring accurate fund distribution
Built for Your Use Cases
Build Digital Wallets.
Ledger transactions and aggregate user balances at scale.
Support Complex Money Flows.
Handle splits, refunds, reversals, and closed-loop transactions cleanly.
Power Card, Lending, and Payout Programs.
Maintain accurate balances before money moves.
Manage Omnibus and FBO Accounts.
Track pooled funds with precise sub-ledgering and account hierarchies.
Build Faster with a RESTful API
curl --request POST \
-u ORGANIZATION_ID:API_KEY \
--url https://app.moderntreasury.com/api/ledgers \
-H 'Content-Type: application/json' \
-d '{
"name": "Marketplace Ledger",
"description": "Represents our USD funds and user balances"
}'
Fully Managed Infrastructure
Focus on your product. Let us handle caching, provisioning, and maintenance.
Flexible Account Hierarchies
Nest millions of accounts in up to five levels of hierarchy with live balance aggregations.
Data Warehouse Sync
Support reporting and analytics workflows with automated exports to your warehouse of choice.
Account Reconciliation
Compare ledger account with bank account balances, identify and resolve drift.
Auto-Ledgering
Define ledgering rules for payment orders or ledger them atomically with a single API call.
Balance Monitors
Create webhook alerts based on specific balance thresholds.
Complete Audit Logs
Record and reconstruct all your transactions in an immutable ledger.
Balance Locking
Prevent transactions from overdrawing balances.
Account Settlements
Ensure every entry is accounted for in payouts and collections.
Ready to Build?
Let's talk about the use case and pricing that fits your roadmap.