Native lane controls
Every account operates within customer- and account-level boundaries, enforced 24x7, not after the fact.
XD Ledger
The AI-Powered Sidecar Core for Modern Banks
Run smarter operations. Scale with confidence. Stay audit-ready, always.
The DNA underneath
Your ledger should stop incidents, not report on them.
Real-time double-entry posting, an immutable journal and controls inside the posting path, running as a sidecar to the core you already have.
Real-time risk checks
Compliance runs inline on every transaction, continuous, not a quarterly audit exercise.
Data-rich journal
Every entry captures the detail your risk team needs, with corrections preserved as append-only records for a clear, traceable audit history.
Balanced before posting
Atomic double-entry controls reject incomplete or unbalanced transactions before they reach the journal.
What the ledger actually records
A data-rich ledger: every entry carries the detail your risk team needs
Native double-entry posting and an append-only journal keep reconciliation errors and hangovers rare, while corrections and adjustments remain clearly traceable. That transparency is what makes an audit-ready ledger actually audit-ready.
Data-rich by default
Data-rich fields captured on every journal entry
- Transaction date & time
- Reference & transaction number
- Tracing number
- Sender & receiver detail
- Instructed amount
- Payment rail & channel
- Purpose code & remittance information
- Risk score & status
- Sanctions & screening outcome
- Posting status with full audit trail
- more…
The sidecar model
Run a modern ledger beside your core, without ripping it out
XD Ledger goes live as a sidecar core in weeks. Nothing is ripped out, re-platformed or frozen while you build.
Launch as a sidecar, not a replacement
Go live in weeks on modern infrastructure while your existing core keeps running untouched, no re-platforming, no migration freeze, no delivery pause.
Accounts and accounting separated
Customer accounts, balances and real-time postings live in XD Ledger. Your accounting core keeps ownership of the general ledger and chart of accounts.
Financial reporting stays exactly as it is
XD Ledger feeds summarized, reconciled entries into your existing core, so month-end, statutory and regulatory reporting continue unchanged.
Payment rails wired straight in
The sidecar can arrive with every payment rail already connected through XD Payments, so incoming and outgoing payments post to the ledger in real time, no separate integration project.
Explore XD Payments →The result: you launch new products on a modern, real-time ledger in weeks, with no rip-and-replace, no change to your chart of accounts, and no disruption to the financial reporting your auditors and regulators already know.
Zero Trust Architecture
Trust nothing. Verify everything.
XD Ledger is secured by a modern Zero Trust architecture, where every user, system, and module must authenticate and prove its intent before gaining access. Built in, not bolted on.
Why it matters: most financial losses don't start at the perimeter. They start with a stolen credential, an over-privileged internal service, or a compromised integration that the network already trusts. Once inside a perimeter-based system, an attacker or insider can move money and alter records without ever tripping an alarm. Zero Trust removes that implicit trust, every request is authenticated, signed and logged, so a single compromised account or service can't turn into a bank-wide incident.
Key Verification at every step
Every transaction, message, and module interaction is cryptographically signed and verified, including internal service calls.
No Implicit Trust
All users, apps, and internal systems must authenticate continuously, regardless of role, location, or prior access.
Per-Module Identity Enforcement
Each module has its own cryptographic identity. Even internal module-to-module requests must carry a verifiable signature.
Immutable Logging
All verified requests are recorded in a tamper-proof, audit-ready ledger to ensure traceability and regulatory compliance.
Continuous Monitoring
Real-time behavioral analysis and anomaly detection across users, sessions, and services to flag unusual activity.
Audit-ready reporting
Turn verified activity and traceable ledger records into clear operational, compliance, and audit reports.
“Even our internal systems don't trust each other blindly. Every call, even between microservices, is signed and verified using private/public key pairs. It's Zero Trust, down to the byte.”
Zero ops, by design
Less manual work. Smoother daily operations.
XD Ledger combines automation with native double-entry controls to streamline repetitive back-office work and simplify reconciliation.
Standing orders
Schedule and execute recurring account activity without repetitive manual processing.
Back-office automation
XD AI agents run routine operational workflows end to end, exceptions, follow-ups and repetitive checks, with little or no human intervention. Teams step in only for genuine edge cases.
Explore XD AI →Smart in-built recon
Native double-entry keeps debits and credits balanced at source, simplifying reconciliation by design.
Tech & Integration
Compatible with the tools you already use
Native API integrations
Connect instantly with RPC APIs, webhooks, and real-time data streams. No custom development required.
Modular architecture
Deploy alongside your core systems without disruption. Scale components independently as needed.
Easy Interoperability
Works with digital channels, payment rails, CRMs, and more.
Customer Testimonials
Why banks choose XD Ledger
“The NetXD team made it simpler and faster to connect to Visa with their payments-as-a-service and provided excellent support to us over the past 24 months.”
“The NetXD team delivered a brilliant, futuristic, and fully integrated solution on their ledger platform that is truly next-gen for our business in 30 weeks. Our business has scaled very well without any pain and reduced the effort to a few minutes to reconcile accounts end of each business day.”
Ready to modernize without disruption?
Let's make your core work for you, not the other way around.