A modern ledger system for innovative financial products
Don't allow your product to be constrained by legacy technology. Our BaaS platform uses a proprietary ledger as a service, ensuring your data foundation is as modern as the product you are building.

Synctera Ledger
Our ledger as a service sits alongside - not within - your partner bank’s core system. This gives you more insights and control over the single source of truth for your customer, account, and transaction data.
Launch more innovative use cases
Expand the list of products and features you can launch, now and in the future. Our ledger can accommodate custom account structures, flows, and relationships - increasing the innovation opportunities in your product roadmap.
Improve operational efficiency
Reduce manual processes by having one centralized place to manage your customers’ entire account lifecycle. Understand your business, streamline the accounting cycle, and easily report on your current position.
Gain better customer insights
Synctera, not your partner bank, serves as the single source of truth for your customer data. This gives you increased control and visibility into your data, enabling your teams to solve issues and enhance the customer experience.
Build using a modern data architecture
Legacy ledger systems are built with traditional banking operations in mind. Our ledger as a service uses a customer-centric and event-based data architecture, tailored to the needs of modern financial products.
A central place to manage your customers' data and key workflows
Manage the entire account lifecycle
Manage transaction and overdraft limits
Generate statements
Calculate interest and charge fees
Configure customer notifications
Access real-time customer data

Synctera Reconciliation
Streamline account and transaction reconciliation processes
When you work with a bank partner to power your financial product’s accounts and money movement, on a daily basis you will need to reconcile your transaction history against both the bank’s general ledger (GL) and the various payments networks. When records don’t match, transactions must be traced back to identify and resolve discrepancies. Synctera Reconciliation automates this process, giving you:
Peace of mind: Properly processing and controlling transactional, operational, and reference data helps ensure there are no missing transactions or funds, and creates a feedback loop with your bank partner.
Enhanced efficiency: Synctera’s alerts and intuitive search capabilities make it easy to find and resolve exceptions. Automating manual reconciliation processes allows you to redeploy resources to other value-added activities.
Explore more
Launch with a bank partner
Learn how Synctera connects you with the widest set of potential sponsor bank partners
Protection products
Meet compliance obligations and protect yourself from financial criminals
Solutions
See what you can solutions you can build on Synctera
Great banking products get built and scaled on Synctera’s end-to-end platform
Get started to learn how Synctera can bring your product vision to life

