_ 
Entries
fund-operating
Parameter
Value
amount
50000

new-invoice
Parameter
Value
user_id
alice
merchant_id
m_abc
fee_amount
300
gross_amount
10000

new-invoice
Parameter
Value
user_id
alice
merchant_id
m_def
fee_amount
600
gross_amount
20000

charge-user
Parameter
Value
user_id
alice
Amount
30000

payout-merchant
Parameter
Value
merchant_id
m_abc

payout-merchant
Parameter
Value
merchant_id
m_def

record-bank-fees
Parameter
Value
Amount
100
Assets
0
1
2
3
4
5
6
7
8
9
├╴
Bank
0
1
2
3
4
5
6
7
8
9
└╴
Receivables
0
1
2
3
4
5
6
7
8
9
└╴
Users
0
1
2
3
4
5
6
7
8
9
└╴
alice
0
1
2
3
4
5
6
7
8
9
Liabilities
0
1
2
3
4
5
6
7
8
9
├╴
Equity
0
1
2
3
4
5
6
7
8
9
└╴
Payables
0
1
2
3
4
5
6
7
8
9
└╴
Merchants
0
1
2
3
4
5
6
7
8
9
├╴
m_abc
0
1
2
3
4
5
6
7
8
9
└╴
m_def
0
1
2
3
4
5
6
7
8
9
Income
0
1
2
3
4
5
6
7
8
9
└╴
Invoice-fees
0
1
2
3
4
5
6
7
8
9
Expense
0
1
2
3
4
5
6
7
8
9
└╴
Bank-fees
0
1
2
3
4
5
6
7
8
9
FRAGMENT is a ledger API for building financial products. Compose any funds flow, turn it into code, embed it in your product and never get another balance wrong.
A ledger for engineers
Description
Account
Amount
Balanced
_
_
/
We make ledgers accessible by turning them into code. So you can manage balances that traditional financial systems can't. And build products that exchange value in ways never before possible.
Balances, solved
Product
Available
0
1
2
3
4
5
6
7
8
9
FRAGMENT
/Accounts
Bank
0
1
2
3
4
5
6
7
8
9
Available
0
1
2
3
4
5
6
7
8
9
Entries
Deposit
Deposit
Bank
Bank****3728
0
1
2
3
4
5
6
7
8
9
BalanceTransactions
Txn_238dhj
Txn_172ykz
FRAGMENT tracks every transaction across all your systems, so payments always reconcile and balances are never wrong.
Enterprise-grade
Declarative schemas
_
Turn your funds flow into code and embed it in your product.
Multi-currency
Account................................
FX-Exposure
Balances..............................
0
1
2
3
4
5
6
7
8
9
USD
0
1
2
3
4
5
6
7
8
9
EUR
0
1
2
3
4
5
6
7
8
9
JPY
One ledger, every currency.
Integrations
Add+
Stripe
Unit
Increase
Custom
Sync transactions from your financial systems with entries in your ledger.
Building a real-time ledger is hard. It takes forever, requires lots of engineers, and you won't know it's wrong until it's too late. FRAGMENT provides all the power of double-entry with none of the risk or hassle.
Customers
Pleo LogoTrucksmarter LogoNala LogoFragile Logo
Performance
Unlike relational databases, FRAGMENT fans out writes and aggregates reads so your requests are never bottlenecked.
1,200 writes/sec

FRAGMENT
14,578 writes/sec
Use CasesWith FRAGMENT, building financial products is like constructing Lego. What once took months can now be assembled in a few clicks.
Wallets
Offer per-user stored balances
Remittance
Track cross border payments
Vertical Saas
Seamlessly embed many financial features
Cards
Own your own card auth rules
Credit
Offer more tailored credit products
Lending
Service loans on your schedule
Investments
Build and manage investment portfolios
Treasury
Manage liquidity across many accounts
Reconciliation
Automate your financial close
Reporting
Build internal reports and dashboards
Rewards
Offer custom rewards programs
SPVs
Manage special purpose vehicles
Wallets
Offer per-user stored balances
Remittance
Track cross border payments
Vertical Saas
Seamlessly embed many financial features
Cards
Own your own card auth rules
Credit
Offer more tailored credit products
Lending
Service loans on your schedule
Investments
Build and manage investment portfolios
Treasury
Manage liquidity across many accounts
Reconciliation
Automate your financial close
Reporting
Build internal reports and dashboards
Rewards
Offer custom rewards programs
SPVs
Manage special purpose vehicles
No one builds their own database. Why build one for your money?
©
 FRAGMENT  
2024