Ledger as a Service

Production-ready ledger infrastructure built specifically for fintech companies. Get bank-grade double-entry accounting with multi-tenant architecture, business-specific chart templates, and Nigerian regulatory compliance—all through simple REST APIs.

Why Choose Our Ledger

Skip 6-12 months of development and get enterprise-grade financial infrastructure that's ready for production today.

What's Available Now

Production-ready components you can integrate today. Join early customers already building on our platform.

✅ Complete Authentication System

Secure user management with industry-standard practices:

• User Registration & Login with JWT tokens and email verification
• Account Security with Argon2 password hashing and lockout protection
• Session Management with 24-hour token expiry and refresh flows

# Register new user
curl -X POST https://api.sandbox.whocomply.com/v1/auth/register \
  -H "Content-Type: application/json" \
  -d '{
    "email": "admin@yourfintech.com",
    "password": "secure_password",
    "first_name": "John",
    "last_name": "Doe"
  }'

# Get JWT token
curl -X POST https://api.sandbox.whocomply.com/v1/auth/login \
  -H "Content-Type: application/json" \
  -d '{
    "email": "admin@yourfintech.com",
    "password": "secure_password"
  }'

✅ Multi-Tenant Architecture

Complete organizational isolation with role-based access control:

• Schema-Per-Tenant isolation for regulatory compliance and data security
• Role-Based Access (Admin, Developer, Read-only, Auditor)
• Multi-User Organizations with granular permission management
• Automatic Provisioning of isolated database schemas

curl -X POST https://api.sandbox.whocomply.com/v1/tenants \
  -H "Authorization: Bearer {jwt_token}" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "ACME Fintech Limited",
    "slug": "acme-fintech",
    "business_type": "wallet"
  }'

✅ Production API Security

Enterprise-grade API access control designed for fintech applications:

• Scoped API Keys with granular permissions (accounts:read, transactions:write, etc.)
• Secure Key Management with SHA256 hashing and usage tracking
• Permission Enforcement at the middleware level with tenant isolation
• Rate Limiting and comprehensive input validation

curl -X POST https://api.sandbox.whocomply.com/v1/tenants/{tenant_id}/api-keys \
  -H "Authorization: Bearer {jwt_token}" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "production-backend",
    "scopes": ["accounts:write", "accounts:read", "balances:read"]
  }'

✅ Complete Chart of Accounts Management

Just Released! Business-specific account templates and hierarchical account management:

• Business Templates for wallets, payments, lending, trading, and more
• Hierarchical Structure with parent-child relationships and path tracking
• Multi-Currency Support (NGN, USD, GBP, EUR) with proper separation
• Rich Metadata for banking integration, compliance, and operations
• Nigerian Templates with CBN-compliant account structures

# Setup complete chart of accounts in seconds
curl -X POST https://api.sandbox.whocomply.com/v1/tenants/acme-fintech/accounts/setup \
  -H "Authorization: Bearer {api_key}" \
  -H "Content-Type: application/json" \
  -d '{"business_type": "wallet"}'

# Creates 25+ accounts including:
# - Settlement accounts (NGN, USD)
# - Customer wallet pools
# - Regulatory reserves
# - Revenue and expense categories

✅ Real-Time Balance Tracking

Query account balances with currency-specific precision:

# Get account balance
curl -X GET https://api.sandbox.whocomply.com/v1/tenants/acme-fintech/accounts/{account_id}/balance?currency=NGN \
  -H "Authorization: Bearer {api_key}"

# View complete account hierarchy
curl -X GET https://api.sandbox.whocomply.com/v1/tenants/acme-fintech/accounts/hierarchy \
  -H "Authorization: Bearer {api_key}"

✅ Transaction Processing

The missing piece for complete ledger functionality:

• Simple Transaction API - Post entries with automatic double-entry validation
• Idempotency Support - Prevent duplicate transactions with idempotency keys
• Real-Time Balance Updates - Instant balance calculations with optimistic locking
• Multi-Currency Transactions - Handle FX conversions and cross-currency flows

# Simple wallet funding transaction
curl -X POST https://api.sandbox.whocomply.com/v1/tenants/acme-fintech/transactions \
  -H "Authorization: Bearer {api_key}" \
  -H "Content-Type: application/json" \
  -d '{
    "description": "Customer wallet funding",
    "idempotency_key": "funding_12345",
    "lines": [
      {
        "account_code": "1101",
        "debit": 50000.00,
        "currency": "NGN"
      },
      {
        "account_code": "2001",
        "credit": 50000.00,
        "currency": "NGN"
      }
    ]
  }'

✅ Event-Driven Webhooks

Real-time notifications for all ledger events:

• Transaction Events - Get notified when transactions are posted
• Balance Changes - Real-time balance update notifications
• Account Events - Track account creation and modifications
• Reliable Delivery - Automatic retry logic with exponential backoff

What's Coming Next

Our Competitive Advantage

Built by Nigerians, for Nigerian fintechs. We understand your challenges because we've lived them.

vs Building In-House

vs ModernTreasury (US)

• 90% cost reduction for same functionality
• Zero FX risk with Naira-denominated pricing
• Nigerian market expertise vs generic US solution
• Local compliance features and regulatory understanding
• Direct access to founders vs enterprise sales process

Ready to Build the Future of Finance?

Join Nigerian fintech leaders already building on our platform.

Get Started Today

1. Quick Start (10 minutes) - From registration to working chart of accounts
2. Integration (1-2 hours) - Connect your application with our APIs
3. Go Live (days, not months) - Deploy with confidence on proven infrastructure
4. Scale (unlimited) - Grow without infrastructure worries

Early Access Opportunities

• Beta Program - First access to transaction processing features
• Design Partnership - Influence roadmap and feature development
• Nigerian Market - Local expertise and go-to-market support
• Enterprise Features - Custom compliance and integration support

Ready to transform Nigerian fintech infrastructure? Let's build the future together.

Contact us: hello@whocomply.com | Beta access: beta@whocomply.com