Double-entry transaction ledgers for balances, transfers and reconciliation built on TigerBeetle or Blnk, and how correctness, availability and audit needs decide build versus buy.
When a fintech or SaaS product needs its own ledger for customer balances: TigerBeetle versus Blnk, double-entry design, idempotency, pending and posted transfers, integration with payment providers and the core accounting system.
Tracking what a marketplace owes sellers: holding funds in pending transfers, fees and splits, scheduled payouts, refunds and chargebacks as correcting entries, and reconciling ledger balances with processor settlements.
Matching internal ledger entries against bank statements and payment processor exports: Blnk's reconciliation rules, handling timing differences and unmatched items, exception queues and the reports finance needs at month end.
What auditors look for when balances live in TigerBeetle or Blnk: immutability and correcting entries, access to the ledger and its operators, change management for posting logic, interfaces to the general ledger and evidence of completeness.
Running a transaction ledger at an EU financial entity under DORA: TigerBeetle's six-replica, three-site layout, recovery testing, ICT third-party risk when using a vendor-managed ledger, and incident evidence.
Requirements to settle before choosing a ledger: transaction volume and latency, account model, multi-currency, pending transfers, idempotency, history and snapshots, reconciliation, availability targets, audit access and license terms.
Cost and risk of hand-rolling a ledger in a relational database against running TigerBeetle or Blnk and against a managed ledger service: engineering time, infrastructure, correctness testing, support plans and migration later.
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