Sub-90ms p99
7-region active-active Postgres with Spanner-style consensus. 89ms global p99 against a single-tenant schema, measured across 42M requests/day.
const t = await ledger.transfers.create({...}) v4.8.1 · SOC 2 Type II · PCI DSS 4.0
Payments & ledger, one API. Ship in a weekend.
ledgerkit is the double-entry financial engine behind 2,840 fintechs — from solo indie builders to publicly-traded neobanks. One REST API, 11 SDKs, sub-90ms p99 worldwide, and a ledger you can actually audit. Free tier covers your first 100,000 API calls a month, forever.
2,840teams shipping on us
89msglobal p99 latency
99.998%uptime · past 24 months
$4.2Bprocessed in 2025
$ curl -X POST https://api.ledgerkit.dev/v1/transfers \ -H "Authorization: Bearer sk_live_••••••••" \ -H "Idempotency-Key: txf_8e4b21" \ -d '{ "from": "acct_wallet_mira", "to": "acct_escrow_5411", "amount": 4800, "currency": "usd", "memo": "Invoice #INV-2618" }' HTTP/2 201 · 83ms { "id": "txf_8e4b21a3c9", "status": "posted", "posted_at": "2026-04-24T09:12:44Z", "balance_after": 12840, "ledger_entries": 2, "reconciled": "true" }
89ms◉ Paris → Paris roundtrip
Powering financial infrastructure at
brex.ioRampMercuryPlaidModern TreasuryBill.comFloat
◉ WHY LEDGERKIT
Everything your CFO asked for.
Plus things she'll ask for in Q3.
Idempotency, always
Every mutating endpoint takes an Idempotency-Key. Safe to retry for 72 hours. Never double-charge a customer, even when your queue re-delivers.
Idempotency-Key: txf_8e4b21True double-entry
Every transfer creates balanced debit and credit entries, atomically. Export to QuickBooks, Xero, or NetSuite with one API call. Your accountant will weep.
GET /v1/ledger/entries?since=2026-01-0136 currencies, 214 countries
USD, EUR, GBP, JPY, INR, BRL, NGN, KES, and 28 more. Multi-currency wallets with spot FX at interbank +0.12%, or lock a rate for 24h.
ledger.fx.lock({from:'usd',to:'eur',amount:10000})Webhooks that retry right
Exponential backoff with jitter over 7 days, HMAC-SHA256 signed, replayable from the dashboard. 11 events, filterable by account.
X-Ledgerkit-Signature: t=1714,v1=a3c9…SOC 2 + PCI on day one
SOC 2 Type II, PCI DSS 4.0, GDPR, HIPAA-ready, and BaFin registered. Full compliance pack in your dashboard, downloadable at 3am before your Series B.
GET /v1/compliance/soc2.pdf◉ QUICKSTART · 3 STEPS
From zero to production
in about four minutes.
01
npm i ledgerkit
Works with Node, Bun, Deno, and edge runtimes (Cloudflare Workers, Vercel Edge, Fastly Compute). Full TypeScript types shipped.
$ npm i ledgerkit
added 1 package · 0 vulnerabilities02
Create an account
Every customer, wallet, escrow, or revenue bucket is an account. Accounts hold balances. Ledger entries move money between them. That's the whole model.
await ledger.accounts.create({
name: 'wallet_mira',
currency: 'usd'
})03
Move money
Atomic transfers, idempotent retries, balanced ledger entries. Webhook fires within 90ms. Money shows up instantly in the dashboard and your GL export.
await ledger.transfers.create({
from: 'wallet_mira',
to: 'escrow_5411',
amount: 4800
})◉ SDKS · IDIOMATIC, NOT WRAPPED
Eleven SDKs.
Each one feels native.
Every SDK is hand-written by a human who actually ships in that language — not generated from OpenAPI and left to rot. Maintained by our team, semver-stable, and fuzz-tested weekly.
01Node / TSv4.8.1 · esm + cjs
02Pythonv3.4.0 · async + sync
03Gov1.12.2 · context-aware
04Rustv0.9.1 · tokio
05Rubyv2.6.3 · rails-native
06PHPv3.1.4 · psr-18
07Javav4.2.0 · jdk 17+
08Kotlinv2.1.0 · coroutines
09C#v3.8.1 · .NET 8
10Swiftv2.0.0 · async/await
11Elixirv1.3.0 · broadway
◉ledgerkit CLIHomebrew · scoop · apt◉ USAGE-BASED PRICING
Free for your first
100k calls a month.
Flat per-call pricing. No surprise overage bills, no "we'll call you" for pricing after $10k. Everyone sees the same rates.
FREE
Indie
$0/ month forever
For builders shipping their first fintech, on nights and weekends.
- ✓ 100,000 API calls / month
- ✓ Up to $25k processed / month
- ✓ All 11 SDKs · full feature set
- ✓ 24h email support (72h median)
- ✓ 3-region redundancy
◉ MOST POPULAR
USAGE
Scale
$0.0004/ call · $40 per 100k
For Series Seed → Series B fintechs processing real money at real volume.
- ★ Unlimited API calls & volume
- ★ 7-region active-active routing
- ★ Slack shared channel, 2hr response
- ★ 99.99% uptime SLA with credits
- ★ Custom webhooks & event schemas
- ★ SOC 2 & PCI reports in dashboard
- ★ Dedicated CSM (Mira Castellanos)
ENTERPRISE
Bank
Custom/ volume commitments from $10k/mo
Regulated banks, publicly-traded neobanks, billion-dollar payment rails.
- ✓ Private VPC & dedicated clusters
- ✓ BYOK encryption, HSM-backed
- ✓ 99.999% SLA · 15min response
- ✓ On-prem audit mirror (Postgres CDC)
- ✓ BaFin / OCC / FCA compliance packs
- ✓ Quarterly security review with Beni Okafor, CISO
◉ SHIPPED WITH LEDGERKIT
2,840 engineers
can't all be wrong.
“Replaced our 6,000-line homegrown ledger in 9 days. Our month-end reconciliation went from 48 hours to 11 minutes. Our CFO literally high-fived me.”
Neha RaoStaff Eng · Finch (YC W22)
“We process 4M transactions a day for 180,000 restaurants. ledgerkit is the only API we've deployed that I don't worry about at 3am. Zero incidents in 14 months.”
Daniel OyelekeVP Eng · SliceHQ
“I'm a solo founder. Built a rent-escrow product over a long weekend. Two years later we've moved $82M. ledgerkit is why that sentence is even possible.”
Freya LindqvistFounder · Hyra (Stockholm)
◉ READY TO SHIP
Get an API key
in under 30 seconds.
No credit card for the free tier. No sales call. Paste your email, land in the dashboard, paste sk_test_... into your .env, and post your first transfer before the coffee cools.
◉ Free forever up to 100k calls · no credit card · full SDKs · read our privacy pledge