00. Home
01. Accounts
02. Cards
03. Wallets
04. About
05. Docs

00.

Home

Financial infrastructure, one API away.

Issue virtual accounts, cards, and crypto wallets through a single API. Onboard customers with built-in KYB, track transactions in real time, handle disputes, and send payouts — everything you need to embed finance into your product.

Trusted by

Balancer

LEDGER_

•••• •••• •••• 4891

Exp

08/25

CVV

•••

Cardholder

Ops Agent-01

Balance

$12,450.00

01.

Virtual Accounts

Bank-grade accounts, API-first.

Open virtual accounts for your customers in seconds. Each account gets unique account and routing numbers, real-time balance tracking, and full transaction history.

Hold and move funds

Customers can receive deposits, make withdrawals, and transfer between accounts. Every movement is tracked and auditable.

Foundation for everything else

Virtual accounts are the core primitive. Link cards, wallets, and payouts to any account — all managed through a single API.

Built-in KYB

Every account is tied to a verified customer. Onboard businesses with automated document collection, identity checks, and compliance workflows.

Instant Provisioning

Unique Account Numbers

Real-Time Balances

Internal Transfers

Multi-Currency

Terminal

$ ledger virtual-account create --currency USD --label "Ops Account" --customer cust_8a3f1b

{
  "id": "va_4e7b2c91",
  "label": "Ops Account",
  "currency": "USD",
  "balance": "0.00",
  "status": "active",
  "customer_id": "cust_8a3f1b",
  "account_number": "****6721",
  "routing_number": "****0043",
  "created_at": "2025-06-15T09:22:11Z"
}

02.

Cards

Issue cards in milliseconds, not months.

Issue virtual and physical cards linked to any virtual account. Set spend limits, merchant restrictions, and usage rules — all programmatically.

Spend controls

Per-transaction limits, merchant category restrictions, single-use cards, and geographic controls. Enforce your policies at authorization time.

Real-time authorization

Every card transaction hits your webhook before it clears. Approve, decline, or flag based on your own business logic.

Full visibility

Every transaction is logged with merchant details, amounts, and status. View everything in the dashboard or pull via API.

LEDGER_

•••• •••• •••• 4891

Exp

08/25

CVV

•••

Cardholder

Ops Agent-01

Balance

$12,450.00

03.

Crypto Wallets

Fiat and crypto in one platform.

Create multi-chain crypto wallets for your customers alongside their fiat accounts. Ethereum, Bitcoin, and Solana — managed through the same API.

Unified account model

Customers see one balance sheet across fiat accounts, cards, and crypto wallets. Move funds between them with internal transfers.

Same controls, different rails

Apply the same spend limits, approval flows, and audit trails you use for cards to your crypto wallets.

On-chain visibility

Every wallet transaction is tracked in real time. Stream events via webhooks and view full history in the dashboard.

Multi-Chain Wallets

Ethereum

Bitcoin

Solana

Stablecoins

Terminal

$ ledger wallet create --chain sol --label "Treasury Wallet" --customer cust_8a3f1b

{
  "id": "wal_8f14e45f",
  "chain": "solana",
  "address": "6H1QW9qZ6kQdQ3eQmYQ2iQH8sQnN2mP9j7sYc4d1o2k3",
  "label": "Treasury Wallet",
  "customer_id": "cust_8a3f1b",
  "balance": "0.00",
  "created_at": "2025-06-15T10:05:42Z"
}

04.

About

Building the financial infrastructure layer for every product.

Every product eventually needs to move money. Virtual accounts, card issuing, crypto wallets, KYB, payouts — building these from scratch takes months and pulls focus from what actually matters: your product.

We believe financial infrastructure should be as easy to integrate as any other API. Ledger gives developers a single platform to issue accounts, cards, and wallets, verify customers, track transactions, handle disputes, and send payouts. So you can ship financial features in days, not quarters.

Open roles

Software Engineer

San Francisco

Infrastructure Engineer