Products
CardElse Ledger
A double-entry ledger providing balances, journals and audit-ready records for all money movement.
Capabilities
Double-Entry Ledger
Real-Time Balances
Available and Reserved Balances
Multiple Wallet Types
Transaction Journaling
Immutable Records
Reconciliation Support
Audit-Ready Reporting
ledger / journal
Available
€11,978.80
Reserved
€501.20
| Entry | Account | Type | Amount |
|---|---|---|---|
| je_2201 | Wallet:EUR | Debit | €500.00 |
| je_2201 | Card:Funding | Credit | €500.00 |
| je_2202 | Fees:Income | Credit | €1.20 |
| je_2202 | Wallet:EUR | Debit | €1.20 |
Interface shown is illustrative.
Architecture
Ledger APIPosting & Rules EngineDouble-Entry JournalsBalances & AccountsReporting & Exports
Example workflows
- Balanced postings
- Reversals and corrections
- Fee and FX postings
- Reconciliation and export
Where it is used
EMI and payment institution core ledgerWallet and card money movementFee and commission accountingTreasury and settlement accountingAudit and reconciliation
Interfaces
- Ledger REST API
- Reporting exports
- Operator ledger views
Operational roles
- Developer
- Finance
- Audit
Integration options
WalletsCardsPaymentsSettlement / treasury accounts
Security controls
- Immutable entries
- Audit trail
- Role-based access
- Data segregation
Implementation model
Run standalone or embedded in wallet, card and EMI builds.
Related solutions
Related services
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