Core Ledger Technology

The shared ledger every settlement runs on.

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One record both institutions can read

Every payment on the network is written once, to a ledger both sides settle against, so reconciliation is a matter of reading the same entry, not comparing two.

Single source of truth

Single source of truth

Every balance and transaction is recorded once on a shared ledger, removing the reconciliation gap between systems.

Real-time settlement

Real-time settlement

Transactions post to the ledger as they happen, instead of batching and settling on a delay.

Foundation for the network

Foundation for the network

Accounts, custody, and FX all read from and write to the same ledger, so activity stays consistent everywhere.

Read the ledger directly

Read the ledger directly

GET/v1/ledger/entries
{
"account":"acct_8f2..."
"status":"settled"
}

Query balances and settlement events straight from the ledger with a developer-friendly API.

Why UNYX

Why choose UNYX for core ledger technology?

Three reasons the network runs on one shared ledger instead of separate internal systems.

Integrity

Single source of truth

Every balance and transaction is recorded once on a shared ledger, removing the reconciliation gap between separate internal systems.

Speed

Real-time settlement

Transactions post to the ledger as they happen, instead of batching and settling on a delay.

Consistency

Foundation for the whole network

Accounts, custody, and FX all read from and write to the same ledger, so activity across products stays consistent without manual syncing.

Core ledger technology, answered

What is core ledger technology?

Core ledger technology is the underlying record-keeping system that tracks every balance and transaction across a network in real time, acting as the single source of truth that other products and services settle against.

How is a shared ledger different from a traditional bank ledger?

A shared ledger records transactions once, in a format every connected party reads from directly, rather than each party keeping its own internal record and reconciling with counterparties afterward.

Does the ledger settle transactions in real time?

Yes. Transactions post to the UNYX core ledger as they occur, rather than being batched and settled at set intervals.

What runs on top of the core ledger?

Accounts, custody, and FX and liquidity management on UNYX all operate on top of the core ledger, using it as the shared record for balances and settlement.

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