Accounts & Money Movement

Manage accounts and settlement on a single platform that keeps balances consistent and reporting clean.
Stop chasing mismatched reports. Lithic’s enterprise-grade, battle-tested ledger keeps every balance and transaction perfectly synchronized, so you can focus on driving data-based program projects.
No need to scramble for audit checks. With Lithic’s immutable ledgering tech, your team spends less time resolving discrepancies for financial and compliance checks.
Set the rules your way. Lithic offers configurable tools to manage money movement across different payment rails—complete with built-in compliance and customizable controls.
As one of few institutions with direct connectivity to the Federal Reserve, Lithic moves billions of dollars annually, delivering speed, reliability, and down-to-the-penny reconciliation.
Access Direct-to-Fed processing. Move money faster and with fewer errors thanks to Lithic’s FedLine Direct connection, which eliminates intermediaries and reduces handoffs, troubleshooting, and risk.
Enjoy faster transactions. Access all six FedACH windows, including three same-day ACH options with files uploaded every hour, to move money when you need it and receive real-time feedback on your payment.
Set granular transaction details. Include your company ID, customized memos, and addenda for clear data tracking and traceability.
Rely on consistent protections. Benefit from built-in compliance screening (OFAC, NACHA) and customizable controls for secure authorizations. Apply robust authorization decisioning rules for reliable safeguards across both cards and ACH.
Whatever you’re building, Lithic provides the right-fit solutions with flexible ledgering infrastructure that simplifies integration and reduces operational complexity.
Stand up any program construct. Whether debit, prepaid, revolving, or charge, Lithic provides the right ledger set-up to power your program across both consumer and commercial programs.
Integrate with ease. Our configurable framework makes it simple to adopt only the ledger components you need, whether Lithic or your team is serving as program manager.
Keep what you own. Unlike legacy processors that bundle ledgering and program management together, Lithic lets Processor Gateway clients use our ledger independently, so you retain control of the program components that matter to you.
Stay future-ready. Our ledger powers flexible rewards constructs, interest-bearing accounts, and custom billing models.
Lithic’s integrated ledger and processing stack keep balances and settlement data perfectly aligned for accurate, effortless reconciliation.
Maintain accurate records. Double entry bookkeeping and historic ledger entries never change, creating a transparent, reliable system of record for audit trails.
Scale without friction. Consistent replication across all cloud instances ensures continuous access to records—no mismatches, even as your program grows.
See everything in real-time. Every transaction and balance updates instantly, giving your team the confidence to authorize transactions quickly.
Make smarter decisions. With a single source of truth, your program can analyze financial activity, optimize liquidity, and scale efficiently.
Lithic’s flexible account structure gives you control over how funds are held and moved, whether you’re offering deposit accounts, revolving credit lines, or specialized account constructs.
Easily track and move user funds. Set up balanced tracked subledgers to get complete oversight of all customer funds movement in real-time.
Customizable logic at the lowest levels. Configure each subledger with your custom business logic to control your program activity.
Integrate seamlessly. Connect accounts directly with ledgering and settlement flows so money movement stays accurate and efficient.
Lithic's credit ledgering tech worked seamlessly with card issuing and payment processing, giving us complete flexibility to design our ideal credit program. Instead of managing multiple vendors, we were able to stand up every credit element needed, from transactions and balance management to servicing and collections, via straightforward APIs. They're true partners who have the operational expertise to collaborate with bank partners and understand what it takes to launch sophisticated credit products.”
Every corporate card program, banking account, and payment network depends on a sophisticated ledger—a record-keeping system that tracks all financial transactions in real time and report balances with complete accuracy.‍This guide breaks down how modern ledgering powers business operations, supports innovation, and strengthens your financial services platform.
Our ledgering infrastructure is strongly consistent across all cloud instances, so balances and settlement data always match. Competitors often struggle with mismatched ledgers and reports—but Lithic ensures accuracy you can trust.
Yes. Lithic offers debit, prepaid, and credit ledgering constructs for consumer and commercial use cases—including consumer revolving credit and charge ledgers.
No. Lithic’s in-house ledger is designed to replace costly, complex in-house builds or third-party systems. You get a reliable, fully integrated source of truth without the overhead.
Lithic gives you access to all six FedACH windows, including all three same-day options. That means faster processing and settlement flexibility to meet customer expectations.
Yes. Lithic supports virtual and routable accounts with configurable interest rates, billing periods, and reward constructs, so you can tailor accounts to your product needs.