Solutions · Banking-as-a-Service

One bank.
Every balance provable

A real-time ledger that knows every end-user balance inside every pooled account.
Fully auditable with a click.
Ledger Rocket is the software under your platform. You keep the licence, the sponsor relationship, and the customers.

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Are you the sponsor bank?Programme & partner banks

Every programme, one ledger.

Each client programme gets its own accounts, templates, and fee lines on the same ledger.
A new programme is one configuration step away from launch.

Programmes

Three client programmes · one ledgerLive
Client programmes on the ledger with their end-user accounts, balances held, and fees captured this month
ProgrammeEnd-user accountsBalances heldFees captured, month to dateStatus
Acme Cards · prepaid412,118318,204,551.62 USD984,120.35 USD Live
Nimbus Pay · wallets640,902402,118,209.55 USD1,610,442.80 USD Live
Orbit Rewards · stored value151,298197,881,790.45 USD471,905.15 USD Live
Total · 3 programmes1,204,318918,204,551.62 USD3,066,468.30 USD
Balances across programmes agree with the pooled account at the sponsor bank at the latest reconciliation point · 918,204,551.62 USD

In practice

Programmes launch in configuration

A new client programme is templates and accounts. No core work, no migration, no new database.

Sub-accounting at any scale

Hold millions of balances, with numerous transaction statuses modelled explicitly.

Fees captured per programme

Every fee posts with the transaction that earned it, on the programme’s own accounts.

Easily answer sponsors' questions

When the bank asks where end-user money is, the answer comes from your ledger: a balance current to the last posting, traceable to its source.

Questions

Can Ledger Rocket track every end-user balance inside a pooled account?

Yes. Ledger Rocket is a real-time ledger that knows every end-user balance inside every pooled account and holds millions of balances, with numerous transaction statuses modelled explicitly.

What does it take to launch a new client programme on Ledger Rocket?

A new client programme is templates and accounts on the same ledger, one configuration step away from launch. It needs no core work, no migration, and no new database.

Does Ledger Rocket replace our banking licence or sponsor bank relationship?

No. Ledger Rocket is the software under your platform, so you keep the licence, the sponsor relationship, and the customers.

How do we answer our sponsor bank’s questions?

When the bank asks where end-user money is, the answer comes from your ledger: a balance current to the last posting, traceable to its source.