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Ledger Rocket

Buyer guide / Programme and partner banking

How should a sponsor bank record balances across fintech programmes?

Give each programme a clear account map that connects customer positions, partner records and bank evidence. Compare the same population at the same cutoff. The result should explain both the programme total and the balances behind it.

One total, several responsibilities

A sponsor bank needs its own view of programme activity. Each partner may use different references or send its files on a different schedule. Organise the account map around whose money is recorded, who holds it and which external record confirms the position. That gives the bank and partner a precise starting point when their figures differ.

The Ledger Rocket approach

Ledger Rocket combines scoped ledgers, account ownership and custody fields, and configured reconciliation. Accounts can represent customer, clearing and control positions. Use those structures to map programme records and compare the supplied partner and bank evidence. Each programme’s account mapping and feeds are agreed during implementation.

Work through these cases

  • Trace one programme total to its customer positions and the relevant bank evidence.
  • Use a partner-oversight checklist: source owner, expected delivery, cutoff, unresolved difference and next action. Test a late file and a duplicate record.
  • Compare the same accounts, currency and cutoff on both sides of the reconciliation.

Discuss your flow

Bring one programme account map and a representative partner file. Use the walkthrough to agree the position each record represents and who investigates a difference.

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