Case study — Blockchain2026

Ledgerline

Settlement that reconciles itself

A stablecoin settlement platform for merchants, pairing on-chain payments with the accounting export finance actually needs.

Industry
Fintech, Payments
Year
2026
Screens
09
Ledgerline settlement overview with volume settled, payouts and balances across chains

Overview

About the project

Ledgerline is a concept product for merchants taking cross-border payment in stablecoins, where the hard part is not accepting the payment but explaining it afterwards. It settles on chain, prices every transaction at the rate that applied at the moment of confirmation, and produces a ledger export that reconciles to the bank account and the chain at the same time.

The challenge

On-chain settlement is fast, but finance teams still have to explain each amount in their reporting currency, at the rate that applied when it confirmed — not when it was exported. Doing that by hand across chains, wallets and a payout account is exactly where the errors live.

Our solution

We recorded the fiat rate at confirmation on every transaction and made that the number the ledger uses, so the export is deterministic no matter when it is run. Payouts, fees and chain costs each carry their own ledger line, and the reconciliation view shows on-chain balance, platform balance and bank balance side by side so a mismatch is obvious rather than inferred.

What we built

  1. 01Settlement ledgerEvery transaction priced at the rate that applied on confirmation.
  2. 02Multi-chain supportSeveral networks behind one merchant balance.
  3. 03Payout schedulingAutomatic conversion and payout to a nominated bank account.
  4. 04Reconciliation viewChain, platform and bank balance side by side.
  5. 05Fee transparencyNetwork cost and platform fee as separate ledger lines.
  6. 06Accounting exportA deterministic export that reproduces exactly, run when you like.
  7. 07Mobile settlementBalances, payouts and confirmations from a phone.

Desktop

Where the product doesits heaviest work.

The full-width interface, screen by screen.

Ledgerline transaction ledger with the fiat rate recorded at confirmation for each settlement
Fig. 01 — Settlement ledger
Ledgerline reconciliation showing chain, platform and bank balances side by side
Fig. 02 — Reconciliation
Ledgerline payout schedule with conversion rate, fees and the bank account each payout reached
Fig. 03 — Payouts
Ledgerline fee breakdown separating network cost from platform fee across chains
Fig. 04 — Fee breakdown

Mobile

Rebuilt for onehand.

The same information hierarchy, rebuilt for a screen you hold in one hand.

Ledgerline mobile settlement overview with volume settled and balances by chain
01 — Settlement overview
Ledgerline mobile ledger with each transaction priced at the rate recorded on confirmation
02 — Settlement ledger
Ledgerline mobile payout detail with conversion rate, fees and destination account
03 — Payout detail
Ledgerline mobile reconciliation comparing chain, platform and bank balances
04 — Reconciliation

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