Introduction

Ledgera - Ledger as a Service enables fast construction of an accounting system that records financial transactions within a double-entry accounting standard, with a simple and user-friendly interface and offers in real-time balance control generating transaction statements.

This product has been developed to serve as a financial record, addressing balance competition on a large scale, with cutting-edge technology to meet aggressive SLAs (Service Level Agreements) such as those in the card industry and the Brazilian PIX system without further processing or recalculations.

The financial standard has been structured to deliver observability of both synthetic balance views and detailed analytical transaction views, facilitating export to accounting ERPs (Enterprise Resource Planning).

The system provides real-time visibility of all balances across all accounts, allowing easy construction of control systems such as Bank Treasury, Split Payment products, Fast Checkout, and Cashbacks.

The transaction configuration meets the demands of external authorizations for card transactions and subsequent settlement, including deferred processes for confirmation or reversal.

With customizable currencies, it is possible to create various systems for the foreign exchange market, with dynamic inclusion of rate spreads, creation of point systems with automatic conversion in segregated balances.

The solution is structured as multi-tenancy, serving conglomerates of companies in the same structure with the security of a logical division between their records and specific business rules per company, providing subsequent unified reports.

Highlighted functionalities:

• Double-entry registration by design: it is impossible to register a credit in an account without a corresponding debit

• Customizable assets: allows the creation of custom currencies and point systems

• Multi-currency transactions: with options for overflow between the involved currencies

• Single or dual message transactions: transactions can be simple or require confirmation / reversal after authorization

• Deferred settlements: it is possible to configure confirmation / reversal behavior with values different from those of the initial authorization

• Customizable balances: allows the configuration of transaction authorizations for pending balances in accounts, separate from the main balance, as well as locked balances

• Chart of accounts setup, daily book, general journal for every tenant of the system

• Full individual customization of a transaction

• Balance sheet view: check the balance of cash book balances in a single online location or closed for previous dates

• Standards for inconsistency analysis: processes for observing the system's health on a large scale.