Real-Time Core Ledger

The Real-Time Core Ledger is a double-entry system built to post the moment a transaction happens, not at the end of a batch window. Current, savings, salary, and term deposit accounts, along with multi-currency wallets and virtual IBANs, all settle against the same source of truth, so a balance shown to a customer matches the balance held internally, instantly.

Because every entry is immutable and linked back to its originating event, reconciliation stops being a monthly project and becomes a live, always-current state. Holds, blocks, overdraft eligibility, and sweep rules are configured per account rather than coded, and new account types and product rules launch the same way, so adding a savings tier or an escrow product doesn't require a core-banking change request.