LedgerTM

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.

Describe

Prompt the designer in plain English — from scratch or from an existing account type.

Prototype

A sandbox builds the account-creation interface for the new instrument.

Project

Run transactions across the account's whole lifetime and check the results.

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

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.

Who's behind it

photo pending

Jeremy Rich

Founder

Jeremy began building financial-services software in the 1980s at UK-based Target Group, on a team developing a retail consumer-finance system. He went on to consult to banks and finance houses including Abbey National, TSB, Chase Manhattan in Spain and Investec, before relocating to South Africa in 1990 to join Investec as Group Software Manager and IT Manager in Private Banking.

In 1995 he co-founded TVM with Igor Music and built CreditPlus, launched in 1999 and first adopted by JSE-listed Brait for its retail and treasury operations. A major European bank came on board in 2001 to run a complex, high-value structured-finance book — and still runs on the software today. Through a TVM office in Auckland, CreditPlus went on to serve finance companies including Instant Finance, UDC, Numeria Finance and Hopscotch. Jeremy is based in Cape Town and travels regularly to the UK.