The developer-first toolkit for building compliant fintechs

The developer-first toolkit for building compliant fintechs

Built for developers, trusted by operators—Blnk provides the essential infrastructure to build, scale, and operate compliant fintech products with 100% confidence

Built for developers, trusted by operators—Blnk provides the essential infrastructure to build, scale, and operate compliant fintech products with confidence

Trusted by teams at:
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Product screenshot of Blnk Cloud showing the transactions page and a summary detail pane on the right.
Product screenshot of Blnk Cloud showing the transactions page and a summary detail pane on the right.

Used by companies of different sizes

Blnk is the best solution that I have found until now. The other choices are a bit too complex to use and do too much. Blnk does the job that a ledger needs to do without complexity.

Antonio Roberto Silva,
Founder/CTO

Given the fact that Blnk is open-source, with support for managed cloud environment, you have solved 70% of our engineering problems, and I see it getting close to 100%.

Mohammed Al-Ameen,
Head of Engineering

Blnk simplifies ledgers and money movement without unnecessary complexity. Integration was seamless, and the fact that it's open-source adds flexibility. On top of that, Blnk is incredibly fast, making it a solid choice for high-performance financial systems.

Toni Akinmolayan,
Senior Software Engineer

The onboarding was seamless with the team's exceptional guidance—the level of attention and dedication was truly exceptional. The support we got has been outstanding, and we couldn't ask for better partners. Highly recommend!

Sajith Caldera,
CEO/Co-founder

OUR CORE

At our core, Blnk is open-source

At Blnk, open-source is the foundation of everything we do. Our vision for financial products is to build collaborative tools that drive innovation, transparency, and accessibility.

Read our story
Blnk 3D image: Modular by design, built for speed

Modular by design;
built for speed.

Scale your fintech product with ease. Enjoy a specialised, flexible backend that adapts quickly to your needs while ensuring fast performance.

Blnk 3D image: Collaboration at its core

Collaboration at the core.

Blnk unites developers, operators, and stakeholders in seamless collaboration, providing everyone with the tools to power your organisation’s growth.

Blnk 3D image: Enterprise-grade security

Enterprise-grade security.

Your data is secure with world-class, industry-leading security measures. We adhere to ISO-27001, PCI-DSS, and GDPR standards.

Questions & answers

Dropdown icon
How does Blnk handle security?

We maintain ISO-27001, SOC 2, and GDPR compliance while implementing industry-leading security measures across all operations. Your data's protection is our highest priority.

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What features does the open-source Core include?

Our open-source Core consists of three key modules: robust ledger infrastructure for multicurrency wallets & transaction workflows, identity management, and a reconciliation engine.

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How quickly can I get started?

Sign up for Cloud, install our open-source Core, and follow our developer documentation to start building in minutes. Our support docs help you set up your Cloud workspace as well.

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Can Blnk adapt to my organisation's needs?

Blnk's modular open-source Core lets you build any financial product or architecture you need. Whether you're developing lending, banking, payments, or custom solutions, our platform adapts to your requirements.

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How do you ensure financial data accuracy?

Blnk implements double-entry accounting principles with immutable transaction records, ensuring data integrity and reliable audit trails for all financial activity.

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What payment integrations are available?

Blnk doesn't include pre-built payment or bank integrations. However, our flexible ledger infrastructure lets you build your own custom integrations for any service—from payment processors to banking systems.

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Is Blnk free to use?

Blnk combines a free, open-source Core backend (Apache License 2.0) with a premium Cloud platform. The Core backend is freely customizable for commercial use. View our pricing page for more details.

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How active is the Blnk developer community?

Our open-source Core is actively supported by a growing community hosted on Discord, where developers collaborate to build and improve the codebase. Join here to share ideas, get help, and contribute.

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Can I use Cloud without the open-source Core?

No. The Core backend is required for all Cloud workspaces to ensure full functionality.

Open-source ledger designed for fintech
< developers />

Blnk helps developers confidently ship their financial products without compromising accuracy or compliance
Launch Blnk in 3 steps. 1 | Download Blnk. 2 | Docker compose up. 3 | Start using Blnk as your ledger.
Morna Tech | Blnk Customer
Pago a Pago | Blnk Customer
Publicgrid | Blnk Customer
Yousend | Blnk Customer
Hata | Blnk Customer
Sure Shot Fantasy | Blnk Customer
Paynow | Blnk Customer
Oraan | Blnk Customer
On Q Property Management | Blnk Customer
Xace | Blnk Customer
Bhadala | Blnk Customer
Rewoa | Blnk Customer
eFreela | Blnk Customer
Bitnomi | Blnk Customer
Kadmos | Blnk Customer
Systeric | Blnk Customer
Open-source
Run on our open-source Core. Free to use, inspect, and extend as you need under the APACHE 2.0 license.
Composable
Pick the building blocks you need. Combine ledger, identities, and more into the workflows that fit your system.
Programmable
Everything is API-first. Define workflows in code & customize them to match your product.
Easy to use
Easy to set up, great developer experience, and comprehensive documentation
Build any transaction workflow, fast.

Ship workflows faster without rebuilding your ledger. Define deposits, payouts, wallets, lending, and many more with just a few API calls.

Explore documentation
Explore our features
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Build any transaction workflow
Build with tools you already use

Blnk is API-first, with SDKs that let you integrate quickly in the languages you already use.

Start building
Explore our features
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
bash

curl -X POST http://localhost:5001/transactions \
     -H 'Content-Type: application/json' \
     -d '{
           "amount": 1230.12,
           "precision": 100,
           "currency": "USD",
           "source": "@FundingPool",
           "destination": "@Frederick-Bates",
           "reference": "ref_funding_001",
           "description": "Wallet funding"
         }

Typescript icon
transactions.ts

async function createTransaction() {
 const tx = await blnk.transactions.create({
   amount: 1230.12,
   precision: 100,
   currency: "USD",
   source: "@FundingPool",
   destination: "@Frederick-Bates",
   reference: "ref_funding_001",
   description: "Wallet funding",
 });
}

Get a 360-degree view into your ledger

Investigate transactions, generate reports, handle back-office ops, and collaborate with your team on financial data.

Launch Cloud
Explore our features
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Transactions dashboard
Know when things go wrong

Get instant notifications when transactions violate your policies, auto-flag issues for team review, and maintain full oversight — all out of the box.

Learn more
Explore our features
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Manage balances
Multi-currency support
Inflight transactions
Split transactions
Scheduled transactions
Balance monitoring
Balance snapshots
Historical balances
Transactions dashboard
Integration was seamless, and the fact that it's open-source adds flexibility. On top of that, Blnk is incredibly fast, making it a solid choice for high-performance financial systems.
Toni Akinmolayan
Senior Software Engineer
Yousend | Blnk Customer
Use cases
Build any transaction workflow with Blnk.
Use case image
Fintech

Power digital banks, neobanks, and payment apps with a reliable ledger.

Use case image
Crypto

Record on-chain/off-chain movements, reconcile wallet balances, and track exchange settlements.

Use case image
Payments

Handle payments in/out, refunds, and reconciliation with accuracy.

Use case image
Wallets

Manage balances per user, handle top-ups, withdrawals, and internal transfers.

Use case image
Lending

Track and manage loan disbursements, repayments, and interest calculations.

Use case image
AI

Embed financial data into your AI workflows for monitoring and automation.

Use case image
SaaS

Offer billing, credits, and wallet balances as part of your platform.

open faq icon

Build your
use case

The onboarding was seamless with the team's exceptional guidance—the level of attention and dedication was truly exceptional. The support we got has been outstanding, and we couldn't ask for better partners. Highly recommend!
Sajith Caldera
Co-founder & CEO
Bitnomi | Blnk Customer
Frequently
asked questions
Have other questions, send us an email at support@blnkfinance.com
Does Blnk Core require additional licenses?
open faq icon
No. Blnk Core is open-source under the Apache 2.0 license, i.e., free to use without extra licenses.
How does Blnk ensure double-entry consistency?
open faq icon
Blnk enforces double entry by requiring every transaction to have both a source and a destination. This means each transaction always involves two parties, keeping your records balanced.
Can Blnk Core handle multi-currency balances?
open faq icon
Yes. Blnk Core supports multi-currency by letting you define balances in different currencies and track them independently within the same ledger.
Can I model my own transaction workflows?
open faq icon
Yes, you can. Define how money moves in your system and implement them in Blnk via API calls. Blnk handles all of the ledger logic under the hood.
What's the performance like at scale (high-volume transactions)?
open faq icon
Blnk is designed to handle high volume transactions and workflows. Read our approach here.
Where does Blnk Core store my data?
open faq icon
Blnk core uses Postgres as it's storage engine. You get to bring your own Postgres database giving you 100% control on your data.
How do I connect Blnk Cloud to Blnk Core for insights and monitoring?
open faq icon
You connect your running Core instance to Blnk Cloud using our secure Query Agent. Learn how to connect your Core here.
How do I integrate Blnk into my existing stack?
open faq icon
Blnk is API-first. Run the open-source Core locally or in your infra, then connect through REST APIs or SDKs.
Can I extend Blnk with my own logic?
open faq icon
Yes. Everything in Blnk is driven by APIs. You can wrap workflows in your own services, extend them with business rules, or connect them to any provider.
Can I migrate my current ledger to Blnk Core?
open faq icon
Yes, you can. You can start by running Blnk alongside your current system. Import balances, replay historical transactions if needed, and phase over workflows step by step. Learn more about data migration here.
I have more questions. How do I get answers?
open faq icon