Synctera Ledger

A modern ledger system for innovative financial products

Don't allow your product to be constrained by legacy technology. We've built our BaaS platform with a proprietary ledger, ensuring your data foundation is as modern as the product you are building.

Synctera Ledger

Our ledger 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 banking products

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 lifecycle, helping you to better understand your business and easily report on key metrics.

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, enabling your teams to enhance the customer experience.

Build using a modern data architecture

Legacy ledgers are built with traditional banking operations in mind. Our ledger uses an 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 start opening customer accounts and having transactions flow through your banking product, this data will need to be matched between Synctera's ledger and the sponsor bank's ledger. 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

Risk & compliance

Learn how Synctera's platform and team of experts help you build an effective, easy to manage compliance program


Discover how Synctera's modern platform allows you to bring your use case to life

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