How to build an accrual-based credit ledger

Ledgers are the heartbeat of any financial companies, fintech or old school financial. Not the API gateway, not the mobile app, not the underwriting model. The ledger Banks have known this for centuries. Fintechs sometimes need to rediscover it the hard way. On fintech world Revolut runs multi-currency, multi-product financial infrastructure across 35+ countries. Stripe moves money and extends credit infrastructure for millions of businesses. Nubank serves more than 100 million customers and had