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Fintech & Commerce

Design a Financial Ledger System (Double-entry accounting scale)

An immutable, append-only double-entry ledger guaranteeing every balance is reconstructible and every transaction is atomically balanced.

Open and Simulate this Architecture in InfraDraft

Core Architectural Components

Immutable Append-Only Ledger Store

Every entry is written once and never mutated, only appended to or reversed.

Double-Entry Transaction Engine

Enforces that every transaction's debits and credits balance to zero.

Account Balance Materialization Service

Derives current balances from the entry log efficiently, without replaying history on every read.

Idempotency Key Store

Prevents a retried request from posting the same transaction twice.

Reconciliation & Audit Service

Continuously verifies the ledger against external sources of truth.

Multi-Currency Conversion Service

Handles exchange-rate application consistently across entries.

Transaction Journal Replay/Recovery Service

Rebuilds derived state from the immutable log after any failure.