Buyer guides / 25 questions
Buyer questions
Explore questions about ledgers, reconciliation, balances and accounting controls. Start with the financial operations you run.
Programme and partner banks with responsibility for programme records
Licensed payments and cross-border institutions that hold or settle money
Payout platforms that hold user balances and own the payout schedule
Scaling fintechs with live money movement and constrained accounting capacity
- How do you record fiat and stablecoin flows without mixing balances?
- Should we rebuild our ledger or adopt a dedicated subledger?
- How should you handle late events when comparing historical balances?
- How can you change accounting treatment without rewriting product code?
- How should we compare a new ledger with our existing books before cutover?
- What should a ledger proof of concept prove beyond throughput?
- What changes operationally when we run a ledger in our own cloud?
Trust and client-money fiduciaries responsible for client funds and their records
Payment service providers that hold or settle funds at merchant-ID level
- How do you reconcile merchant settlement after fees, chargebacks and reserves?
- How do we separate fee revenue from money owed to customers?
- How can we tell whether every bank or processor file has reached the books?
- Which reconciliation breaks should payment operations investigate first?
- Can a transaction subledger work alongside an existing ERP?