Ozura Ledger API
The financial spine every modern fintech has been missing.
A single, processor-agnostic ledger that correlates every dollar in motion — whether it flows through Ozura's rails or not. OLA is the intelligence layer that makes payments legible, at any scale, across any provider, in any currency.
Processors correlated
12+
Every major processor and payment rail
Ledger entries logged
180M+
Last rolling quarter
Batch match rate
99.2%
Settlement correlation accuracy
Settlement alerts
<1h
From batch settle to delta flagged
Positioning
OLA is not a payments product. It’s the intelligence layer that makes payments legible — transforming raw settlement data, vault transactions, and balance-account movements into a unified source of truth.
Banks, marketplaces, and fintechs use OLA to get the reconciliation, sub-account hierarchy, and analytics infrastructure they’d otherwise spend years building in-house.
The financial spine
OLA is the universal financial correlation engine that sits beneath your entire payment operation — recording, verifying, and reconciling every transaction regardless of which processor touched it. It doesn't replace your processor; it audits it.
Processor-agnostic ingestion
Record transactions from any connected processor or provider under a unified ledger schema — tagged by domain and provider.
One correlation ID per dollar
Every movement gets a single OLA reference, traceable from origination through settlement to deposit confirmation across every leg.
Works even when Ozura isn't processing
Pipe vault data and balance-account movements into OLA to gain correlation intelligence without switching processors.
Real-time and batch modes
Ingest live events via webhook or batch-import settlement files — OLA reconciles both views against the same ledger.
Schema-first, API-first
Every financial event is a structured LedgerEntry: amount, currency, domain, provider, status, references, and correlation chain.
Immutable audit trail
Ledger entries are append-only. Corrections are new entries linked to originals — a tamper-evident financial history by default.
Why it matters
Enterprises using unified ledger infrastructure reduce reconciliation time by up to 80% and catch settlement discrepancies that would otherwise stay hidden for 30–45 days.
Infinite account depth
Model any financial hierarchy — marketplace seller wallets, client trust accounts, subsidiary books, revenue splits — as virtual accounts nested under a single balance account, with full ledger tracking at every level.
Unlimited virtual nesting
Create parent/child account trees that mirror your business structure; each node keeps its own balance, history, and access rules.
Automatic fund routing
Auto-allocate incoming payments across sub-accounts by percentage, flat fee, or conditional logic — ideal for marketplace splits and ISO residuals.
Segregated ledger views
Every sub-account has its own ledger entries and balance snapshots. Roll up or drill in without custom SQL.
API-controlled lifecycle
Create, suspend, close, and transfer between sub-accounts programmatically. No manual ops workflows required.
Use case
Marketplace seller wallets
Collect centrally, then hold seller funds in segregated virtual wallets with real-time visibility into available balance, pending settlements, and payout eligibility — before disbursing via batch payout.
Use case
Client trust & escrow
Open a sub-account per client or matter. Funds are held in trust; OLA tracks every allocation against the matter ID, giving auditors a per-client ledger statement with zero spreadsheet work.
Settlement, verified
Cross-check what your processor reported against what your balance account actually received — flagging discrepancies at the batch level, reconciling vault transaction data against deposit records, and giving your finance team the evidence before they go looking for it.
Expected vs actual deposits
OLA's settlement_correlations table tracks every batch: projected deposit, actual amount received, delta, and correlation status.
Vault-to-deposit cross-check
When PCI Vault tokenizes a transaction, OLA correlates the vault event against the eventual balance-account deposit — closing the loop between card-not-present processing and real settlement.
Batch-level granularity
Reconcile at the batch, day, processor, or merchant level. Identify exactly which batches contain anomalies — no raw file hunting.
Automated delta alerts
Set thresholds (e.g. flag any batch deviating by >0.5% or >$500) and get notified before month-end close.
Before & after
Discovery
Finance manually compares processor statements to bank statements — weekly at best.
Real-time correlation status per batch; deltas surface in the dashboard within hours of settlement.
Evidence
Spreadsheets emailed between accounting and ops; no audit trail.
Every discrepancy logged as a settlement_correlation with processor-reported amount, actual deposit, delta, and timestamps.
Resolution
Three to five business days to identify, escalate, and document.
Alert fired; chargeback or adjustment initiated same day with linked ledger evidence.
Money at rest, working
OLA's balance accounts are the settlement and payout layer of your stack — real, funded accounts connected to best-in-class providers, unified under a single API, supporting USD payouts, multi-currency FX, and cross-border SWIFT exits.
Multi-provider, single API
Fund, transfer, payout, and FX operations flow through OLA's unified interface regardless of which provider backs the account.
Multi-currency with native FX
Hold USD, EUR, USDT, ozUSD, and more. Initiate FX conversions directly — OLA records both legs as linked ledger entries.
Full operation coverage
Fund, internal transfer, external payout (ACH, wire, SWIFT, crypto), FX conversion, and balance query — all auditable via OLA.
Real-time balance snapshots
OLA keeps a live balance view per account and sub-account, updated on every debit and credit. Never poll the provider again.
Connected providers
Payout Rails
Mass payouts (USA, MX, CA)
Multi-country batch disbursement — staging verified
Acquiring Network
Balance accounts + acquiring
Split settlements, European rails, embedded finance
Crypto Rails
Crypto-native payouts
Stablecoin disbursement, on/off-ramp
Banking Infrastructure
Banking-as-a-service
FDIC-insured deposits, ACH origination
SWIFT Network
SWIFT exits, FX
International wire, cross-border corridors
Borderless money movement
OLA bridges traditional fiat and digital rails — customers enter via card or bank transfer, hold or route value as ozUSD, and exit to any bank account worldwide via SWIFT corridors, with every conversion recorded as a correlated ledger event.
Transak-powered fiat entry
Customers purchase ozUSD or supported stablecoins with card, ACH, or local methods across 130+ countries. The on-ramp event lands directly in OLA as a pay-in entry.
ozUSD as the internal rail
ozUSD serves as the settlement unit between on-ramp, balance account, and off-ramp legs — eliminating FX drag during transit.
SWIFT exit to any bank
Off-ramp to any bank globally via our SWIFT network. OLA records both the stablecoin debit and the fiat credit with corridor, rate, and status metadata.
Cross-border payouts at scale
Pay remote contractors and marketplace sellers in LatAm, EU, and SEA — without local banking relationships in every country.
End-to-end flow
Customer pays via Transak (card, ACH, or local method). OLA records pay-in, fiat amount, currency, and Transak ref.
Funds credited as ozUSD to the OLA balance account. OLA records balance credit, exchange rate, and timestamp.
Platform routes ozUSD to a sub-account, splits, or holds. OLA records every internal transfer with the full chain.
A SWIFT wire is executed to the recipient's bank. OLA records the payout, SWIFT ref, FX rate, and settlement status.
Every move, captured
Every financial event — pay-in, payout, internal transfer, FX conversion — flows through OLA as a structured ledger entry, regardless of which processor originated it. OLA isn't a reporting layer bolted on top. It is the transaction record.
Unified transaction ID
Every event gets an OLA reference that travels with it from authorization through settlement through deposit — one traceable chain.
Four canonical types
All movements model as pay-in, payout, transfer, or FX. Schema stays clean and queryable across every provider.
Any origination source
Any connected processor — whether Ozura-routed or third-party via PCI Vault — normalizes into OLA with no custom integration per provider.
Rich entry metadata
Amount, currency, domain, provider, merchant, sub-account ref, correlation chain, status, and full timestamp history — queryable by any attribute.
Finance intelligence, live
OLA's analytics layer transforms raw ledger data into actionable intelligence — tracking transaction volume, analyzing batch-level settlement performance, surfacing pending vs settled breakdowns, and alerting the moment a settlement delta warrants attention.
Real-time volume dashboards
Monitor gross payment volume, net settled, and payout totals across any time range, provider, currency, or merchant segment.
Batch-level reconciliation
Drill into any batch to see transaction count, gross amount, fees, expected deposit, actual deposit, and delta. Export straight to accounting.
Pending vs settled split
Explicit status tracking per entry. Pending-to-settled conversion rate per provider becomes a measurable KPI for float management.
Delta alerts and anomaly detection
Set rules for settlement thresholds, volume spikes, or processor drop-offs. Alerts fire via webhook or dashboard before finance starts asking.
Settlement match rate
99.2%
Last 30 days — 0.8% of batches with a delta, $14,300 under investigation
Avg processor settlement lag
0.9d
Processor settlement timing differences — informing float management
Pending volume (48h)
$2.4M
1,847 transactions — $380K expected EOD, remainder T+2
What teams are saying
Built for the teams that run the books.
“We evaluated four ledger-as-a-service vendors. OLA was the only one that reconciled across our processors without requiring us to rip and replace anything. We plugged in our existing settlement files and had correlated ledger data in under a week.”
VP Engineering — Mid-market payment facilitator
“The sub-account system solved a problem we'd been hacking around for two years. 800+ marketplace sellers on a single balance account, manual allocation in Sheets. OLA gave each seller their own virtual account with automatic routing — and our finance team stopped drowning.”
Head of Finance Operations — B2B marketplace platform
“Before OLA we discovered settlement discrepancies at month-end, when it was already too late to dispute. Now we get a delta alert within hours — processor ref, expected amount, and actual deposit attached. It's the difference between catching a problem and cleaning it up.”
CFO — Regional PSP
Get started
Make every dollar traceable. Across every rail.
Plug OLA into your existing processor stack or start fresh on Ozura’s native rails. Either way, you get one ledger, one correlation ID per dollar, and the finance intelligence your team has been piecing together in spreadsheets.