Introducing LedgerTM — the event-sourced ledger & accounts engine for structured finance.

One solid core for transactions and accounting. Everything around it — account types, products, structures, capabilities — is configuration, not code. Multi-tenant, multi-currency, multi-calendar, audited end to end.

The engine

LedgerTM is TVM's parameterised products & accounts engine — the IP behind a quarter-century of production banking software, rebuilt event-sourced and multi-tenant.

The same engine underpins every vertical. What changes between a retail lender, a corporate cash desk and a structured-finance book is the set of account types configured — not the code.

AI-assisted account designer
No code · runtime

Design new financial instruments in plain English

A product manager describes a new account type in plain language. The AI understands the software and its configuration structure, so it can build a new account type from scratch or take an existing one as a base. Prototype the account-creation screens in a sandbox, project transactions across the full life of an account, and when the numbers look right, deploy. All at runtime. No code required.

01
Describe
Prompt the designer in plain English — from scratch or from an existing account type.
02
Prototype
A sandbox builds the account-creation interface for the new instrument.
03
Project
Run transactions across the account's whole lifetime and check the results.
04
Deploy
Happy with it? Promote the new account type live — at runtime.
A rock-solid engine

AI can help you design accounts — but predictable results need a rock-solid configuration engine underneath. Ours is shaped by many years across very different financial businesses.

Define position types, transaction types, schedules and input amounts, and you can model almost any financial instrument — without touching code.

Position types
The balances an instrument carries — principal, interest, fees, arrears.
Transaction types
Every movement that changes a position, with full audit trail.
Schedules
Payments, accruals, fees and rate resets on any frequency or calendar.
Input amounts
The parameters a user supplies — rates, terms, principal, fees.
Multi-tenant
Database-per-tenant isolation. Partners can run their own tenants.
Multi-currency & FX
Native multi-currency with revaluation — not bolted on.
Multi-calendar
Business-day arithmetic across jurisdictions and holiday sets.
Event-sourced
Every change is an event — a complete, replayable audit trail.
Products & structures
Products → accounts → structures → legal entities.
Pre-configured templates

Industry-specific templates ship with sample data, so you can evaluate LedgerTM against a realistic book from day one.

Retail banking

Deposits & lending

Investments — call, fixed and notice deposits — alongside personal loans, microloans and mortgages. The everyday shape of a retail book.

incl. sample data
Structured finance

Complex structures across entities

Administer structures spanning multiple operating entities: loans given, funding taken, interest and currency swaps, and fees given and taken. Built for corporate-finance operations.

incl. sample data
A look inside
LedgerTM scheduling screenscheduling — screenshot pending
Scheduling
Time-based cashflows — payments, accruals, fees and rate resets.
LedgerTM personal loan account with projected cashflowspersonal loan — screenshot pending
Lending account & forecast
Live balances over a projected schedule of payments, fees and capitalised interest.
LedgerTM books / general ledger screenbooks — screenshot pending
Books
Double-entry general ledger with multi-currency postings.
Around the ledger

The account engine is the core. Around it sits everything an operation needs to actually run the book.

Counterparties
Configurable counterparty types and roles, with the relationships between them — company shareholdings, directorships, trustees and more.
Limits management
Real-time tracking of counterparty limits and facilities as exposure moves.
Payment rails
Pluggable integration with payment networks, plus AI-assisted triage and approval of fund-transfer transactions.SWIFTSEPAACHFaster PaymentsPayShap
Securities & collateral
Define and value configurable collateral types. Assign and track collateral per account for security coverage, with cross-account utilisation.
Statements
Scheduled and ad-hoc account statements, emailed automatically to the account owner with operating-entity branding.
Pricing
Reference-rate management with configurable price types and price lists, plus price-specific or global markups and discounts.
Books
Multiple posting groups and posting rules define how transactions are accounted for. Full multi-currency with FX profit and loss on revaluation and period-end close-outs. Export to your own accounting ledger via XBRL and custom adapters for common accounting packages.
Built on
.NET Event Sourcing Marten PostgreSQL Wolverine FluentValidation .NET Aspire React TypeScript DDD Vertical Slice Architecture

A modern, event-sourced .NET core with a React + TypeScript front end — designed so domain logic, not infrastructure, carries the meaning.

Contact

Let's talk.

A small team who understand the business, not a sales organisation — based in Cape Town and Toronto.

Cape Town
South Africa
Toronto
Canada
jrich@tvm.co.za
Where we are
Cape Town
Toronto