Blnk Finance

Blnk Finance is a developer-first financial ledger platform for engineering teams building fintech products that need accurate balances, auditable transaction records, and operational controls.

Key capabilities include:

• Immutable double-entry ledger (Core) for recording transactions with a required source and destination, supporting multi-currency balances tracked independently.
• Programmable transaction workflows to model deposits, payouts, wallets, lending flows, and other money movement via REST APIs and SDKs (cURL, Node.js, Go, Python, PHP, Java).
• Reconciliation engine to match the internal system of record against external records for faster, higher-accuracy reconciliation.
• Blnk Cloud back office and insights with dashboards for exploring ledger data, performing actions like creating records and issuing refunds, real-time anomaly detection alerts, team collaboration tools, and role-based access control with activity tracking.

Available on Web (Cloud dashboard) and via API (Core). Core uses Postgres for storage (bring-your-own database), and managed deployment options include isolated infrastructure, automated backups (up to 7-day retention) and point-in-time recovery.

It is designed for B2B developers and engineering teams building wallets, payments, banking features, crypto workflows, SaaS billing systems, and other applications that send, receive, or hold value.

Notable for African fintech builders and global teams, it combines a free open-source Core (Apache License 2.0) with a paid Cloud platform, and maintains stated compliance with ISO-27001, SOC 2, and GDPR standards. It also references production use by teams including Ultramarkets, Tecnología Financiera, Seven, Morna Tech, and Yousend.