Solutions
Internal Ledger
A double-entry internal ledger built for financial operations — with account hierarchy, immutable journals, available/pending/reserved balances and audit-ready reporting.
Business problems addressed
- Balance integrity and drift
- No immutable, auditable record of movements
- Complex reserved/pending balance handling
- Difficult reconciliation and exports
Who it is for
- EMIs and payment institutions
- Wallet and card platforms
- Any product moving money internally
Core capabilities
Double-entry ledger
Account hierarchy
Journals
Posting rules
Immutable entries
Available balances
Pending balances
Reserved balances
Reversals
Fee postings
FX postings
Settlement accounts
Treasury accounts
Reconciliation support
Audit trail
Reporting exports
System architecture
Product Services (Wallets, Cards, Payments)Ledger APIPosting & Rules EngineDouble-Entry JournalsBalances & AccountsReporting & Exports
Example flow
- 1A product event requests a posting via the Ledger API
- 2Posting rules produce balanced double-entry journals
- 3Available, pending and reserved balances update atomically
- 4Reversals, fees and FX are posted as needed
- 5Audit trail and reporting exports are maintained
Provider and integration categories
Internal product servicesSettlement and treasury accountsReporting / export targets
Operational controls
- Posting rules
- Reserved / pending policies
- Reversal controls
- Export configuration
Security considerations
- Immutable entries
- Full audit trail
- Role-based access
- Data segregation
Implementation options
- Ledger as a standalone module
- Ledger embedded in wallet/EMI build
- Reconciliation and reporting integration
Related CARDELSE products
How we deliver this
Frequently asked questions
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