Modern Treasury Ledgers is an API-first SaaS platform designed to provide real-time, high-throughput, double-entry ledgering for any application that needs to track and manage value. Unlike traditional accounting software, Modern Treasury Ledgers is built for developers to embed financial logic directly into digital products, enabling use cases such as digital wallets, in-app balances, investment platforms, and payment marketplaces. The platform abstracts complex financial operations into a scalable, reliable ledger database, supporting thousands of transactions per second with strong consistency and concurrency controls. It is architected for granular account structures, allowing businesses to model and track discrete pools of value at scale. Modern Treasury Ledgers centralizes all monetary events—such as purchases, payouts, fees, and transfers—into a single source of truth, ensuring auditability, regulatory compliance, and real-time financial visibility. The system is designed to integrate seamlessly with other Modern Treasury payment operations products, providing a unified infrastructure for moving, tracking, and reconciling money across multiple systems and entities.

Key Features

API-First Double-Entry Ledger Real-time, developer-friendly ledgering for any digital product.

• RESTful APIs for creating, updating, and querying ledgers
• Double-entry accounting ensures accuracy and auditability

High Throughput & Scalability Handles large transaction volumes with low latency.

• Optimized for thousands of transactions per second
• Efficient reads and writes for real-time applications

Granular Account Modeling Flexible account structures for complex business logic.

• Supports many discrete accounts per user or entity
• Enables detailed tracking of balances, liabilities, and assets

Strong Consistency & Concurrency Controls Ensures data integrity in high-scale, distributed environments.

• Manages simultaneous transactions and out-of-order writes
• Guarantees accurate, up-to-date balances

Centralized Source of Truth Unified financial data management across systems.

• Tracks all monetary events in a single, immutable log
• Supports multi-system reconciliation and audit readiness

Seamless Integration Works with Modern Treasury’s broader payment operations suite.

• Connects to payment initiation, reconciliation, and reporting tools
• Webhooks and notifications for real-time updates

Benefits

Accelerated Product Development Enables rapid launch of financial features in digital products.

• Reduces need to build and maintain custom ledger infrastructure
• Simplifies compliance and audit requirements

Real-Time Financial Visibility Provides instant, accurate views of balances and transactions.

• Supports operational decision-making and risk management
• Powers user-facing features like in-app balances and statements

Operational Efficiency & Reliability Automates complex financial workflows and reduces errors.

• Centralizes reconciliation and reporting
• Ensures data integrity and regulatory compliance

Scalability for Growth Supports businesses as they scale transaction volumes and complexity.

• Handles global, multi-entity, and multi-currency operations
• Adapts to new use cases and business models