The ledger

The guarantee

A funding intent reaches settled only when balanced double-entry records exist for it. A transaction hash is evidence that value moved. It is not evidence that your user should be credited.

This gives you three things that are otherwise hard to build:

Exactly once

Postings are keyed by intent and kind with a uniqueness constraint. A replayed webhook or a retried worker cannot double credit.

Reversible

Corrections are compensating entries, never deletions. History is append only.

Reconcilable

Balances are derived from entries, never stored as the authority. A continuous reconciler compares them and alerts on any divergence.

Balances as a destination

Settling to rail: "ledger" credits an account we hold on your behalf rather than sending to a wallet:

{
  "rail": "ledger",
  "asset": "credit:acme:usd",
  "target": { "kind": "ledger_account", "account_id": "la_..." }
}

Useful when the user’s value lives inside your product: a game balance, API credits, a trading account, a marketplace wallet. You avoid running your own ledger, and the balance is reconcilable against real settled funds rather than against your own bookkeeping.

What we hold, and where

We are non-custodial where the rail allows it and custodial in transit where it does not, and we say which per rail rather than glossing it.

Rail class	Custody
Stellar, EVM	Non-custodial. Value sits in a per-intent escrow with contract-enforced timeout refund
Fiat in and out	Custodial in transit, through a regulated provider
Balance destinations	Custodial by definition. We hold a liability to you, recorded on the ledger

Every unit we hold has a named liability account. There is no off-ledger operational wallet anywhere in the system.

Receipts

Every deduction is named, attributed, and ordered:

initial_amount        what the user sent
  - network_cost      gas, bank charges
  - provider_cost     what the provider charged
  - platform_fee      ours
  - application_fee   yours, if configured
  = final_amount      what the destination received

Flat fees apply before percentage fees. Receipts are generated from ledger entries rather than computed alongside them, so a receipt cannot disagree with the books.

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Concepts

Guides

The guarantee

Exactly once

Reversible

Reconcilable

Balances as a destination

What we hold, and where

Receipts

​The guarantee

Exactly once

Reversible

Reconcilable

​Balances as a destination

​What we hold, and where

​Receipts

The guarantee

Balances as a destination

What we hold, and where

Receipts