The ledger under every user balance.

User funds, product accounts, fees, and payouts on one balanced journal. Ship a neobank, a wallet, a card program, or a remittance corridor without maintaining a homegrown ledger that only two engineers can safely touch.

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✓ Balanced by construction ✓ Append-only journal ✓ Multi-asset, multi-currency

Fintech mobile app displaying account balances

The friction

Where fintechs hit the ledger wall.

Every product needs its own ledger.

Wallet balances, card float, savings pockets, lending payouts. Each one starts as a Postgres table and ends as a critical-path microservice nobody wants to own.

User balances drift from provider truth.

Your BaaS partner, your card issuer, and your bank feed all report slightly different numbers by end of day, and the customer app just picks one.

Every new market is a rewrite.

A new currency, a new correspondent, a new local rail: another ledger fork, another reconciliation job, another set of on-call pages.

Why Kordio

Built for the way fintechs actually operate.

One journal for every user.

User balances, product accounts, fees, and revenue lines share one operating model. Balances update the moment a posting commits, no eventual consistency.

Multi-currency from day one.

USD, EUR, GBP, USDC, or any symbol you define, in integer minor units. Cross-currency movement posted explicitly, so FX P&L is a query, not a spreadsheet.

Reconciliation against real providers.

Load bank feeds, BaaS partner exports, and card processor statements; match against postings; flag what's off-book. Replayable, so a missed match is never permanent.

By the numbers

What "always balanced" looks like.

Sandbox plan

100%

Balance invariants

5min

Signup to first API call

1API

Integration

Get started

Ship the product. Not the ledger.

One API. The journal is our problem to run. Your engineers get to focus on what makes your fintech different.

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