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FinTech2025

Ledgerline Payments

A reconciliation and payouts engine for a marketplace moving money across borders.

The Challenge

Money moved through four providers, each with its own file format, settlement timing and fee model. Reconciliation was a manual month-end exercise, and finance could not state with confidence that the books were correct.

The Solution

We built a double-entry ledger as the system of record and normalised every provider into a single transaction model feeding it. Reconciliation runs continuously, and discrepancies are flagged the moment they appear rather than at month end.

Reconciliation breaks queue
Ledger explorer
Key Features
01

Provider normalisation

Adapters translate each provider's data into one canonical transaction shape.

02

Double-entry ledger

Immutable, balanced ledger that finance can trust as the source of record.

03

Continuous reconciliation

Every inbound event is matched in near real time; breaks are raised immediately.

04

Scheduled payouts

Configurable payout runs with approval gates and a complete audit history.

Architecture
  1. 01Frontend

    Operations console for reconciliation, payouts and audit review

  2. 02API Layer

    Idempotent write API, signed webhooks, strict input validation

  3. 03Services

    Ingestion, matching engine and payout scheduler communicating over Kafka

  4. 04Database

    Append-only ledger in Postgres with partitioned transaction history

  5. 05External Integrations

    Payment providers, banking rails and the data warehouse

Technology

Frontend

  • React
  • TypeScript
  • Vite
  • Tailwind CSS

Backend

  • Go
  • Node.js
  • Kafka

Database

  • PostgreSQL
  • BigQuery

Cloud

  • GCP Cloud Run
  • Pub/Sub
  • Cloud SQL

DevOps

  • Terraform
  • GitLab CI
  • Grafana
Results
  • Reconciliation moved from monthly to continuous
  • One ledger finance can rely on
  • Payout runs with enforced approval controls
  • Clear path to add new providers
Gallery
Reconciliation breaks queue
Ledger explorer
Payout run detail
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