The financial backbone of the Metagens.ai stack not a separate product, the same system your lending, payments, and compliance modules run on.
Standard approach: choose from their catalogue, integrate your preferred providers, assemble your own stack. The flexibility is genuine. So is the engineering overhead. In Metagens.ai the core banking ledger is not something you connect — it is what every other module runs on.
same transaction, not an API call. No sync window. No reconciliation step.
the payments module and the ledger are the same system. Real time means real time.
when the AML engine flags a transaction, the case record and the ledger entry are the same record. Not linked. The same.
in a native architecture the ledger is never out of sync. Because there is nothing to sync it with.
no vendor release cycles to align. When the platform updates, the ledger updates with it.
Manage multiple client organizations lenders, borrowers, product lines on one platform instance. Each tenant has independent account structures, product configurations, and reporting. One deployment for multiple loan books, multiple products, or multiple legal entities.
Virtual account structures for complex lending products escrow accounts, reserve accounts, fee collection accounts, disbursement accounts. Sub-account hierarchies for borrower wallets, loan tranches, and revolving credit facilities. All mapped to the same core ledger.
Account balances, loan amounts, disbursements, and repayments in multiple currencies. Exchange rate application configurable to your product rules. Multi-currency reporting for regulatory and management accounts.
Every financial event loan disbursement, payment received, fee charged, interest accrued updates balances in real time. No batch processing. No overnight update cycle. Balance-at-time-of-event accurate for every transaction in the audit trail.
Automated reconciliation between the core ledger and payment settlements, loan repayments, and fee collections. Reconciliation exceptions flagged automatically and routed to the finance team. No manual reconciliation spreadsheets.
Configurable interest calculation — simple, compound, declining balance, flat rate. Fee structures, penalty rules, and credit limit parameters set per product per tenant. The platform enforces the rules; your team defines them.
The core banking ledger is the data foundation that every other module writes to and reads from. Loan disbursements, payment settlements, AML case records, card transactions, and fee collections all record to the same ledger — not to separate databases linked by API. This is why the platform can produce a complete, accurate audit trail for any financial event without assembling data from multiple systems.
Yes. Multi-tenancy allows multiple product lines — consumer loans, business loans, revolving credit, card-based lending — to operate on the same platform instance with independent account structures, product rules, and reporting. You can also operate multiple legal entities or client organizations on the same instance, with complete data separation between tenants.
Other's composable architecture gives you maximum flexibility to assemble your own stack from their catalogue and third-party providers. Metagens.ai's core banking is not a standalone module you select — it is native to the platform. You cannot run the lending module without the core banking ledger because they are the same system. The tradeoff: less module-level flexibility, dramatically less integration overhead, and a ledger that is always consistent because it never needs to sync with anything.
Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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