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A next-gen CBS on an extremely fast GL
A full-fledged, next-generation core banking platform built on an extremely fast General Ledger — create new client products and services with the AI no-code system, connect them to agents, and run merchant books, payments and credit in your channels. 45+ banking-grade modules built over 25 years at 60+ financial institutions. One unified system of record (SoR) beneath every product you launch.
Who we serve
Built for the institutions that run on ledgers
The same multi-ledger spine, applied to four kinds of financial businesses — each with its own subledgers, books and use cases.
Banks & credit unions
Launch payment and credit products on event-level subledgers beside your core: settlement with three-way match, escrow and reserve accounting, the advance financing engine embedded in your credit module, and continuous covenant and anomaly monitoring by the agent.
Asset managers, credit & PE funds
Fund and portfolio subledgers from one spine: US GAAP and IFRS books posted in parallel with independent close, multi-entity consolidation, receivables-portfolio scoring with reason codes, and lender- or investor-ready data packages exported on demand.
Carriers, MGAs & brokers
Premium, claims and commission subledgers reconciled event-by-event: reserve and escrow accounting on an immutable audit trail, broker and partner settlements posted automatically, and dual-book reporting for regulators without a second close team.
Fintechs, lenders & factors
The advance financing engine as an embeddable credit module: underwriting on verified ledger events, portfolio construction with risk-controlled individual take rates, and near-zero-risk factoring on shared contracts verified by both sides of the trade.
The solution
90 banking-grade CBS modules across 8 areas. One multi-ledger spine.
A full core-banking module catalog built on 25+ years of module-level operating experience across 60+ financial institutions — and the AI no-code system creates the next module when your product team needs it.
Core & Settlement / Cash
The GL spine, accounts, settlement and cash operations at the center of the stack.
Payments, Loans & Collateral
Payment rails, loan origination and servicing, collateral management end to end.
Deposits & Trade Finance
Deposit products, guarantees, letters of credit and documentary operations.
Compliance & Risk
KYC/AML, limits, provisioning and regulatory controls wired into the ledger.
Retail, Cards & Channels
Retail products, card issuing and acquiring, digital and branch channels.
Treasury & Markets
Treasury operations, FX, money-market and securities positions on the same books.
Admin & Internal Ops
Back-office administration, internal accounting and operational workflows.
Analytics & Accounting
Multi-standard accounting, reporting, dashboards and analytics over live data.
Why it matters: the catalog becomes a portfolio-based credit module
The same module catalog powers a portfolio-based credit module for FIs — continuous pre-scoring from live merchant P&L, delivered straight into the bank's credit pipeline with IFRS 9-style provisioning. The live bank pilot is its first reference implementation.
- Continuous pre-scoring on live merchant P&L
- Delivered into the bank's credit pipeline
- IFRS 9-style provisioning
- Live bank pilot as reference implementation
Continuous credit facility — the key solution
Move from annual credit review to continuous underwriting. Scoring runs on live, transaction-level P&L — revenue and cash cycles, contribution margin by channel, inventory turnover, receivables aging, DSCR on 30–60-day cash flow, repayment performance — so the credit limit recalculates as the business changes and repayment links to revenue. Delivered as an embeddable credit module with live pre-scoring, origination and IFRS 9-style provisioning; acquiring revenue replaces property collateral, opening a new SME segment. Accounts, acquiring and credit distribute at the merchant's point of need.
- Continuous underwriting on live P&L
- Credit limits recalculated as the business changes
- Repayment linked to revenue
- Acquiring revenue replaces property collateral
General Ledger
US GAAP and IFRS posted in parallel from one source event — alongside local GAAP and tax books. Each book closes independently on a shared audit trail — dual reporting for regulated and international entities without dual entry, dual close or period-end translation projects.
And it is up to 1,700× faster than legacy CBS: deposit processing for 1 million accounts in 3.5 minutes — on standard hardware.
- Up to 1,700× faster — 1M accounts in 3.5 min on standard hardware
- US GAAP + IFRS + local GAAP + tax in parallel
- Consolidation & multi-entity
- Regulator-ready audit trail
Agentic / MCP GL for enterprise
Give enterprise AI agents a governed way to work with the ledger. Over the MCP protocol, agents query balances, propose journal entries, run reconciliations and draft reports — every capability typed and permissioned, every action logged, human approval gates configurable per workflow.
This is agentic financing running in production. B2B embedded finance is projected at $15.6T by 2030, driven by agentic finance — AI managing liquidity and working capital in real time. System-of-record positioning enables a unified agentic finance protocol: Plaid (read-only bank data) and Stripe's ACP (checkout payments) don't hold the ledger — neither can combine embedded finance with open banking.
Real-time risk portfolio management — unique to anyLedger. Exposure, seasonality, product demand and brand affinity are re-scored as data lands; alerts fire before arrears; risk appetite is set per FI — limits, sectors, concentration — and each lender scores the merchant data in its own way.
Supervised autonomy, secured. The MCP wall means external agents get no encrypted or identifying data; internal agents execute in-ledger and depersonalize on the way out. Human-in-the-loop thresholds apply, every process is versioned and attributable, and policy updates cascade without workflow changes.
- MCP wall: no encrypted or identifying data to external agents
- Typed, scoped permissions · approval gates per workflow
- Re-scoring as data lands · alerts before arrears
- Immutable action log
No-code — Services Foundry
Tell the Services Foundry assistant what you need — a new client product, an integration, a regulatory feed — and it builds, tests and deploys the service within the platform, with your team reviewing and approving each step. No outside integrators: your product and operations teams extend the CBS themselves, without a vendor change-request queue or a system-integrator contract.
- Build · test · deploy inside the platform
- No outside integrators required
- Human review & approval at every step
- New modules delivered in days, not release cycles
Case study: upgrading SWIFT services for a regional bank — 10 days, fully implemented, versus up to 18 months with traditional CBS integration.
Generic technology stack
The platform runs on a generic technology stack — no proprietary databases, middleware or specialized tooling to license and maintain. That saves $20M+ over 5 years on stack licenses, integration costs, configuration and maintenance — without internal FTE reduction: your teams keep running the platform, they just stop paying the stack tax around it.
- $20M+ saved over 5 years
- No proprietary stack licenses
- Lower integration, configuration & maintenance costs
- No internal FTE reduction required
Benefits
What changes for your institution
Measured against the typical build: a core system — core banking, policy admin or fund platform — a data warehouse, spreadsheets around the edges, and a 12-month product launch cycle.
Faster product launches
New payment, financing or insurance products get subledgers, settlement and reporting from the spine — instead of a core-system change request queue.
Credit decisions you can defend
Scoring built on verified ledger events produces explainable decisions — for borrowers, auditors and regulators alike.
Settlement that reconciles itself
Event-level posting with three-way match eliminates the suspense-account sprawl that grows around every embedded finance product.
Dual reporting without dual pain
IFRS and local GAAP from one source event — the close happens once, and both books are audit-ready.
Agent adoption without risk
Finance teams get AI agents that actually touch the ledger — inside permissions, approval gates and an immutable log your risk team signed off on.
Built for regulated deployment
Dedicated or private-cloud infrastructure, SOC 2-aligned controls, a fully encrypted ledger to the latest encryption standards — at rest and in transit — and role-based access mapped to your governance model.
Advantages
Why anyLedger wins over the status quo
Core systems were built for accounts. Financial products need a ledger built for events, books and agents.
| Status quo — core banking / policy admin / fund platform + warehouse + spreadsheets | anyLedger.ai | |
|---|---|---|
| Product subledgers | Bolted onto the core or rebuilt per product in spreadsheets | Spun up from the multi-ledger spine per product, day one |
| Settlement | Batch files, suspense accounts, month-end archaeology | Event-level posting with automated three-way match |
| Underwriting data | Quarterly financials and bureau pulls | Verified operational events — invoices, payouts, bank flows — in real time |
| IFRS reporting | Parallel close teams and translation projects | Parallel books from one event, one close |
| AI access | Agents read dashboards; humans rekey the results | Agents act on the ledger over MCP — typed, permissioned, logged |
| Auditability | Trail reconstructed across systems at audit time | Immutable, source-linked trail on every posting and agent action |
Deployment
Two deployment models — same ledger core
In one model the data flows to the FI over a permissioned link; in the other, the FI hosts the ledger itself.
SaaS + consented feed — US banks & credit unions
anyLedger runs the merchant's books as SaaS; the FI connects through a permissioned, read-only API/MCP feed of cross-channel cash-flow and contribution-margin scoring. No core-banking change on the FI side — the 90-day pilot pattern, vendor-due-diligence friendly.
Inside the bank's core — for commerce ecosystems
The merchant ledger ships inside the bank's core-banking stack. Merchants get books, tax filings and financing inside the bank's channels; the bank gets the credit module and continuous pre-scoring on live P&L. Built for banks running marketplaces and payment ecosystems.
Integrations
Connects to your core, rails and data sources
Native connectors plus the open MCP protocol for everything else — including your own internal systems and agents.
Build your next financial product on anyLedger
Limited-time offer: a free 3-month trial with custom-integrations support as part of the alpha testers group — places are limited