What is Kordio, exactly? +
Kordio is building the connective layer for money: one programmable core where ledger, hot wallets, and payment rails share the same operating model. The first capability is live today: a double-entry ledger API with reconciliation against your processors, financial reports, period close, and webhooks. Wallets and rails will land on the same core, so everything you build on the ledger carries over.
Why use Kordio instead of building the money stack on Postgres? +
Storage was never the hard part. The hard part is balance races, double-posts, reconciliation drift, and rail retries that post twice, and it costs a quarter of engineering time before you have something you trust with real money. Kordio starts you one layer up: a transactional engine with append-only history, atomic multi-account moves, idempotency, replayable webhooks, and reconciliation against your processors already solved. You describe the movement; the core keeps the books in agreement.
How does multi-currency work? +
Fiat, stablecoins, and crypto live in one balanced ledger. USD, EUR, USDC, BTC, or any token symbol you define, each in integer minor units, never floats. Every transaction balances per currency, checked server-side before it commits. No silent single-currency assumptions.
Is the ledger append-only? +
Yes. Every posting is immutable once written, and corrections happen by posting a reversing transaction. State is always replayable from the journal, which is exactly what auditors and finance teams expect.
How are retries and idempotency handled? +
Every transaction is keyed by a durable idempotency key you supply, so retries are safe by default. Pending and posted balances are tracked separately, and webhooks fire replay-safe on every posted transaction. Your integration replays cleanly because ours does.
How do I get access? +
Sign up at
app.kordio.io and grab a sandbox key in under five minutes, no card needed. When you're ready for live mode, pick a plan and pay by card. Test and live mode share the same API surface but use separate keys and data. No demo call required.
Is this really self-serve? +
Yes. Sign up with email or Google, pick a plan, pay by card, get a live API key. The only time you'd talk to us is if you want the Enterprise tier or have a specific compliance question.
How is this different from the incumbents? +
Technically, the primitives are similar. Double-entry postings, accounts, balances, multi-asset support. Commercially, we publish pricing, we don't gate signup behind a demo, and we start at $97/mo instead of a five-figure annual contract. We respect what they've built. We just disagree about how to sell it.
What counts as a "posting"? +
A posting is one debit or credit on one account. A typical payment transaction has 2 to 4 postings (user debit, merchant credit, platform fee credit, etc). We meter postings, not API calls, so a single balanced transaction with three legs counts as three postings.
Do you offer a free tier? +
Yes. The Sandbox plan is $0 forever: the full API in test mode, with no card and no time limit. Paid plans add live ledgers and connectors, start at $97/mo, and every one opens with a 7-day free trial.
What about SOC 2, PCI, audit trails? +
Every plan gets immutable append-only history and full audit logs. For DPAs, security reviews, and regulated-entity requirements, email
[email protected] and we'll tell you exactly where our compliance work stands.
Can I import an existing ledger? +
Yes. Email
[email protected] with a CSV export of your current ledger and we'll help you bring the history over as balanced postings.
Where does the engine come from? +
Kordio runs on the ledger engine behind SouthPay's payments product. We hardened it in production on our own money before opening it up as a standalone API.
