Savings, checking,
cards and loans.
One core. One ledger.
Core runs the accounts — savings, checking, card and loan — with balances, holds, limits, interest and fees on each. Ledger records every movement across them in real-time double-entry, straight into the GL. One set of books behind every product you offer, and one audit trail under all of it.
- Savings, checking, card and loan accounts on one core
- Real-time double-entry postings and balance integrity
- GL, accruals, reconciliation and audit-ready books
- Runs on its own, or under the full Metagens platform
Core & Ledger runs the accounts and the accounting. It does not make lending or risk decisions — those stay with your policy and your team.
Four account types. One core.
Core holds the customer relationship and every account under it. Each account type carries its own balances, holds, limits, interest and fee rules — and every movement on any of them posts to the same ledger, in real time, in double entry.
Balances, credit interest accrual, holds and limits, with every deposit, withdrawal and interest posting written to the ledger as it happens.
Day-to-day money movement, available balance calculated against holds and limits, and fees and charges applied by rule rather than by hand.
Card account balances with authorisation holds, settlements, refunds, reversals and chargebacks recorded against the account and reconciled like any other event.
Principal, interest, fees, penalties and charges with real-time accrual and posting, from disbursement through restructures to closure.
Underneath all four: general ledger, suspense, control and clearing accounts, a real-time double-entry posting engine handling bulk and event-driven entries, automated reconciliation with exception handling, adjustments and reversals under approval, and a structured data model feeding MIS and regulatory reporting from the same records.
Run the core on its own
Core & Ledger does not require the rest of Metagens. It takes events from whatever systems you already run, and gives back balances, postings and books.
They own the customer journey; Core owns the accounts and the accounting. Events arrive by API, event stream or file.
Launch a new savings, card or lending product on Metagens without migrating the existing book off the system that holds it.
Structured exports and APIs into your existing MIS, data warehouse and regulatory reporting, rather than a second reporting stack.
With origination, servicing, payments and AML posting to it directly — no reconciliation between systems, because there is only one.
Add the rest when it makes sense: Loan Origination · Loan Management & Servicing · Payments · AML & Fraud360 · Integration & APIs
One financial model.
Complete context.
Core & Ledger brings together all financial activity across the lending lifecycle and records it with structure, accuracy and auditability.
Account Management
Manage all account types—customer, loan, GL, suspense, control and clearing accounts.
Loan Accounting
Maintain principal, interest, fees, penalties and charges with real-time accruals and postings.
Transaction Posting
Real-time, double-entry posting engine with support for bulk and event-driven entries.
Balances & Availability
Accurate balances, holds, limits and available amounts always up to date.
Reconciliation
Automated reconciliation across accounts, ledgers and external systems with exception handling.
Adjustments & Reversals
Manage adjustments, corrections and reversals with full audit trail and approvals.
Financial Events
Capture all financial events across the loan lifecycle—disbursement to closure.
Audit Trail & Traceability
Every entry is traceable from source to ledger with timestamps, users and references.
Reporting Ready
Structured data model for MIS, regulatory reporting, analytics and exports.
How Core & Ledger works
Events and data enter from platform modules, integrations, files or manual inputs.
Data is validated for completeness, accuracy and business rules.
Transactions are posted in real time to the right accounts.
Balances are updated and financial context is recorded with full traceability.
Auto-reconcile across systems and resolve exceptions with confidence.
Accurate data flows into reports, dashboards and regulatory outputs.
Built for accuracy. Designed for scale.
Handles high volumes with real-time consistency.
Chart of accounts, rules, mappings and posting logic are configurable.
Role-based access, approvals, segregation of duties.
Reliable, resilient and built for mission-critical operations.
A strong financial core. Better lending outcomes.
See how Metagens Core & Ledger brings accuracy, control and confidence to your lending operations.