Entries
Accounts
A
Assets
Bank
Receivables
Users
alice
L
Liabilities
Equity
Payables
Merchants
m_abc
m_def
I
Income
Invoice-fees
E
Expense
Bank-fees
FRAGMENT is a ledger API for building financial products. Compose any funds flow, turn it into code, embed it in your product and never get another balance wrong.
A ledger for engineers
Not balanced
wallet-instant-payout
Description
Reconcile user wallet instant payout
Account
Amount
A
operating-bank
-{{payout}}-{{bank_fee}}
L
user:{{id}}/available
-{{payout}}-{{rtp_fee}}
I
income/rtp-fees
{{rtp_fee}}
E
expense/bank-fees
{{bank_fee}}
wallet-instant-payout.ts
We make ledgers accessible by turning them into code. So you can manage balances that traditional financial systems can't. And build products that exchange value in ways never before possible.
Balances, solved
Product
Available
$2,934.56
Fragment
/
Accounts
A
Bank
$234.88
L
Available
$2,934.56
Entries
Deposit
Deposit
Bank
Bank ****3728
$234.88
Balance
Transactions
Txn_238dhj
Txn_172ykz
FRAGMENT tracks every transaction across all your systems, so payments always
reconcile and balances are never wrong.
Enterprise-grade
Declarative schemas
Turn your funds flow into code and embed it in your product.
Multi-currency
Account
E
FX-Exposure
Balances
684.56 USD
638.96 EUR
99.754 JPY
One ledger, every currency.
Integrations
Add+
Stripe
Unit
Increase
Custom
Sync transactions from your financial systems with entries in your ledger.
Features
A
Configurable schemas
B
Entry conditions
C
Strong consistency
D
Aggregated balances
E
Historical balances
F
Balance change queries
G
Timezone offsets
H
Ledger entry groups
I
Multi-currency accounts
J
Custom currencies
K
Report generation
L
Ledger entry tags
M
Idempotency
N
Schema-based SDKs
O
Schema migrations
P
AWS regional deployments
Q
Native links
R
S3 export
Building a real-time ledger is hard. It takes forever, requires lots of engineers, and you won't know it's wrong until it's too late. FRAGMENT provides all the power of double-entry with none of the risk or hassle.
Customers
“FRAGMENT's the system of record for all our historical balances. It's one of the two or three core systems in our stack.”
“For us, the real advantage of FRAGMENT is that it changes what we can build. We're designing lots of new financial products and owning our ledger is key to all of them.”
“When we re-built Nala as a payments API, we needed a robust ledger. FRAGMENT’s schema system made double-entry intuitive and helped us launch faster.”
Performance
Unlike relational databases, FRAGMENT fans out writes and aggregates reads so your requests are never bottlenecked.
Modern Treasury
1,200 writes/sec
FRAGMENT
14,578 writes/sec
Look under the hood
Use Cases
With FRAGMENT, building financial products is like constructing Lego. What once took months can now be assembled in a few clicks.
Updates
2024-08-01
July Changelog: Post Entry
2024-07-22
Fintech needs a better ledger, TechCrunch
2024-07-01
June Changelog: Projects
2024-06-01
May Changelog: SDKs
2024-05-01
April Changelog: Scenes
2024-04-01
March Changelog: AI Ledger Design
2024-03-01
February Changelog: Schema Drafts and Schema Flexibility
2024-02-19
FRAGMENT Under the Hood
2024-02-01
January Changelog: Entry Groups and Ledger Designer
2024-01-23
FRAGMENT named to Fintech 50