One record across every fintech partner and intermediary platform
For sponsor, prepaid, and challenger banks hosting fintech programmes: a real-time ledger that reconciles FBO and programme balances across every partner.
Every partner’s programme balances on one ledger, by partner and by programme, current to the last posting.
Breaks aged and owned, per partner
Partner records match line by line as they arrive. Every break is aged and owned from the moment it appears.
Independent of partner systems
When a partner’s data runs late or wrong, your record doesn’t.
Evidence examiners can walk through
Immutable audit trail, a recorded checker decision on every match and configuration change, deployment in your own cloud or data centres.
FBO tie-out
Core and processor to ledger, ledger to end-user balancesAt the latest reconciliation point
FBO accounts reconciled against the core banking system and the processor settlement file, and the omnibus balance against the sum of end-user balances
Account
Ledger
Compared to
Variance
Status
fbo.omnibus.usd
918,204,551.62 USD
Core banking system ·918,204,551.62 USD
0.00
Matched
fbo.pending.usd
2,018,823.10 USD
Processor settlement file ·2,018,823.10 USD
0.00
Matched
Sum of 1,204,318 end-user balances
918,204,551.62 USD
fbo.omnibus.usd ·918,204,551.62 USD
0.00
Agrees to the cent
Partner reconciliation
Programme balances by partner · partner records vs. ledgerLive—
Programme balances held for each fintech partner, reconciled against that partner’s own records
Partner
Ledger
Partner record
Variance
Status
Northstar Pay · prepaid cards
511,402,118.20 USD
511,402,118.20 USD
0.00
Matched
Eaststar Wallet · e-money
288,914,209.87 USD
288,914,209.87 USD
0.00
Matched
Meridian Rewards · stored value
117,888,223.55 USD
117,885,978.30 USD
2,245.25
Break · 4 h · Programme Ops
All partners
918,204,551.62 USD
918,202,306.37 USD
2,245.25
1 open break
Meridian Rewards · ach.returns.usd · 2,245.25 USD · one return in the ledger, not yet in the partner file · Programme Ops · 4 h
Partner records match line by line as they arrive. Each break is aged and owned, and shown against the partner whose record disagrees.
Questions
How does Ledger Rocket reconcile FBO accounts across fintech partners?
FBO accounts reconcile against the core banking system and the processor settlement file, and partner records match line by line as they arrive. Each break is aged and owned, and shown against the partner whose record disagrees.
Can Ledger Rocket run in our own cloud or on-premises?
Yes, it runs as SaaS, in your AWS, Azure, or GCP installed via Terraform, or on-premises in your own data centres. In your cloud you own the deployment, and Ledger Rocket access is read-only, plus break-glass for support.
Does Ledger Rocket have an immutable audit trail and maker-checker controls?
The ledger is the audit trail, with append-only records, cryptographic integrity verification and tamper-evident history. There is a recorded checker decision on every match and configuration change.
Solutions · Programme & partner banks
One record across every fintech partner and intermediary platform
For sponsor, prepaid, and challenger banks hosting fintech programmes: a real-time ledger that reconciles FBO and programme balances across every partner.
Every partner’s programme balances on one ledger, by partner and by programme, current to the last posting.
Breaks aged and owned, per partner
Partner records match line by line as they arrive. Every break is aged and owned from the moment it appears.
Independent of partner systems
When a partner’s data runs late or wrong, your record doesn’t.
Evidence examiners can walk through
Immutable audit trail, a recorded checker decision on every match and configuration change, deployment in your own cloud or data centres.
FBO tie-out
Core and processor to ledger, ledger to end-user balancesAt the latest reconciliation point
FBO accounts reconciled against the core banking system and the processor settlement file, and the omnibus balance against the sum of end-user balances
Account
Ledger
Compared to
Variance
Status
fbo.omnibus.usd
918,204,551.62 USD
Core banking system ·918,204,551.62 USD
0.00
Matched
fbo.pending.usd
2,018,823.10 USD
Processor settlement file ·2,018,823.10 USD
0.00
Matched
Sum of 1,204,318 end-user balances
918,204,551.62 USD
fbo.omnibus.usd ·918,204,551.62 USD
0.00
Agrees to the cent
Partner reconciliation
Programme balances by partner · partner records vs. ledgerLive
Programme balances held for each fintech partner, reconciled against that partner’s own records
Partner
Ledger
Partner record
Variance
Status
Northstar Pay · prepaid cards
511,402,118.20 USD
511,402,118.20 USD
0.00
Matched
Eaststar Wallet · e-money
288,914,209.87 USD
288,914,209.87 USD
0.00
Matched
Meridian Rewards · stored value
117,888,223.55 USD
117,885,978.30 USD
2,245.25
Break · 4 h · Programme Ops
All partners
918,204,551.62 USD
918,202,306.37 USD
2,245.25
1 open break
Meridian Rewards · ach.returns.usd · 2,245.25 USD · one return in the ledger, not yet in the partner file · Programme Ops · 4 h
Partner records match line by line as they arrive. Each break is aged and owned, and shown against the partner whose record disagrees.
Questions
How does Ledger Rocket reconcile FBO accounts across fintech partners?
FBO accounts reconcile against the core banking system and the processor settlement file, and partner records match line by line as they arrive. Each break is aged and owned, and shown against the partner whose record disagrees.
Can Ledger Rocket run in our own cloud or on-premises?
Yes, it runs as SaaS, in your AWS, Azure, or GCP installed via Terraform, or on-premises in your own data centres. In your cloud you own the deployment, and Ledger Rocket access is read-only, plus break-glass for support.
Does Ledger Rocket have an immutable audit trail and maker-checker controls?
The ledger is the audit trail, with append-only records, cryptographic integrity verification and tamper-evident history. There is a recorded checker decision on every match and configuration change.
