Real Time Ledger
Real-Time Ledger Engine for Fintechs
Track balances, transactions, and internal transfers with full auditability. Octalas’s API-first ledger gives you accurate financial records – down to the cent, second, and sub-account.
What Is a Ledger System?
In fintech and embedded finance, a robust ledger is the foundation of trust. It tracks every movement of money – between accounts, across products, and over time. But legacy systems weren’t built for modern, high-volume use cases.
Octalas’s Ledger is a purpose-built, real-time accounting engine that records every financial event with precision and transparency. It’s not just bookkeeping – it’s the backbone of your financial product.
Engineered for Scale, Accuracy, and Transparency
Sub-Account Architecture
Create nested account structures per user, per product, or per currency. Ideal for wallets, marketplaces, and platforms managing multiple balances under one roof.
Double-Entry Accounting
Every debit is matched with a credit - ensuring financial integrity across your entire product flow. Automatically generates balanced journal entries for each transaction.
Real-Time Balances
Instant balance updates across all accounts, even in high-frequency environments like trading, wallets, and P2P payments.
Immutable Transaction Logs
Every movement is permanently recorded with timestamp, metadata, and traceability. Nothing is ever lost, deleted, or overwritten - ideal for audits and compliance reviews.
Multi-Currency Support
Track balances and transactions in any currency, with real-time FX conversion if needed. Automatically handle gains/losses or isolate per-currency ledgers.
Ledger API
Use our API to post journal entries, create account structures, fetch balances, or run reconciliations. Built for developers with clear documentation and strong performance.
Who Benefits from a Octalas’s Ledger?
Reliable, Affordable, and Built for Speed
Fast to Launch
With Octalas, you get a production-ready, real-time ledger engine that can be integrated and configured in a few weeks - with full support from our team.
Real-Time Syncing
Our ledger is fully integrated with FinLego’s accounts, payment, and crypto modules. Each transfer automatically posts to the ledger - no sync headaches.
Pre-Built Workflows for Wallets
Out of the box, you can configure how to record wallet top-ups, cross-currency conversions, commissions, partner payouts, and more.
Modular for Any Architecture
Use Octalas’s ledger as a standalone module, or tightly integrated with our broader platform. It adapts to your stack - not the other way around.
Reconciliation and Reporting Made Easy
Export balance states or transaction logs at any point in time. Run automated reconciliations with external bank or processor data.
Audit-Ready and Transparent
Every transaction is permanently logged, timestamped, and traceable. Perfect for meeting regulatory, partner, or investor demands for transparency.
Designed for Financial Integrity and Control
Data & Transaction Security
- Ledger data is encrypted in transit and at rest
- Signed journal entries to prevent tampering
- Strict access controls with role-based permissions
Built-In Auditability
- Immutable transaction logs
- Timestamps, tags, and metadata for every action
- On-demand balance and history exports for any account
Compliance-Ready Accounting
- Double-entry logic ensures audit trails for every cent
- FX and fee postings automatically classified for reporting
- Reconciliation features help ensure external accuracy
Start Logging Transactions in Weeks, Not Months
