Ledger takes applicants from first form to funded account — verified documents, watchlist screening, and an append-only audit trail behind every decision.
Pick individual or business and fill in the identity details a compliance team actually needs — nothing more.
Add each required document and watch it move through explicit verification states — uploaded, verifying, verified.
A reviewer clears the case, your account opens, and every step of the decision sits in the audit trail.
The six pieces regulators, acquirers and auditors ask about — built in from the start, not bolted on.
One wizard covers individuals and businesses, with server-checked gates between identity, documents and review.
Every document lands in an explicit state — verified, needs info or rejected — with a reason attached.
Available and pending balances at a glance, with a 30-day view of how the account has moved.
Credits, debits, fees and transfers with references and a running balance that always reconciles.
Public policies plus a per-applicant record that shows every event exactly as it was written.
Applicants see their own case; reviewers see the queue. Neither can do the other's job.
Every action is recorded the moment it happens. Nothing is ever edited or deleted — not by applicants, not by reviewers.
Every submitted application is checked against partner watchlists for sanctions, political exposure and adverse media.
We keep only what a review needs. Documents are held as metadata with a checksum — no file contents are retained.
Three steps, clear verification states, and a decision you can audit end to end.
Start onboarding