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Accounts & ledgerLive

Give every customer an account you can account for.

Multi-currency customer accounts with point-in-time balances, liens and statements.

Talk to us about accountsAPI reference →
Illustrative
Why it matters

What it changes for you.

Every money product starts with the same question: whose money is this, and how much of it is there right now? Spreadsheets and a single pooled bank account answer it badly, and the answer gets worse with every new customer.

Accounts gives each person and each business their own account on Bridge, in any supported currency. The balance is computed from posted entries, so you can ask what it was at the close of any day, not just what it is now. Liens hold part of a balance for a stated reason, and nested accounts keep a customer's money in separate places without separate sign-ups.

Statements come straight from the same entries, so what a customer sees always matches what you hold.

How it works

Step by step.

  1. Open an account

    For a person or a business, in a supported currency, with the account types your product needs: main, savings, device, escrow.

  2. Money posts as entries

    Every credit and debit is a posted entry on the ledger, so the balance is always the sum of what happened.

  3. Hold what's committed

    Place a lien for a reason you name. The money stays in the account but can't be spent until the lien is released.

  4. Read any moment

    Ask for the balance at any point in time: month end, the day a dispute started, the moment before a payment.

  5. Send statements

    Statements by period, built from the same entries the balance comes from.

What you can switch on

Built in, not bolted on.

Many currencies, one model

Accounts in each supported currency behave the same way, so a second currency isn't a second integration.

Point-in-time balances

Every balance can be read as it was at a past moment, which is what auditors, disputes and month-end ask for.

Liens with a reason

Hold part of a balance for a standing order, a loan repayment or a pending dispute, and release it when the reason ends.

Nested accounts

Keep a customer's main money, savings and phone balance apart, under one customer record.

Statements on demand

By month, quarter or any period, ready to send to the customer or attach to a loan application.

Tiered limits

Account limits follow the customer's verification tier, and rise automatically as they verify more.

  • Open accounts for people and businesses in any supported currency
  • Balances at any point in time, not just now
  • Liens that hold part of a balance for a reason you name
  • Nested accounts under one customer
  • Statements by period, ready to send
Use cases

How businesses use it.

Illustrative businesses, not customers. Figures are made up to show the flow.

A digital bank launching in Lagos · Fintechs & neobanks

A neobank's first hundred thousand customers

The team has a strong app and a banking licence partner, but its core is a set of scripts over one pooled account. Every support ticket about a balance means a developer reading logs.

  1. Each sign-up opens a main account and a savings account under one customer
  2. Transfers, bills and top-ups post as entries against those accounts
  3. Support reads the balance at the time of any complaint
  4. Monthly statements go out from the same entries

Balances explain themselves, support answers in minutes, and month-end is a report, not a project.

Illustrative

A salary lender in Ibadan · Lenders & BNPL

Loan repayments that can't be spent

Borrowers receive their salary into the lender's app, then spend it before the repayment date. The lender chases repayments by phone every month.

  1. On salary day, a lien is placed for the instalment due
  2. The borrower sees what's available and what's held, and why
  3. On the due date the lien is released into the repayment
  4. Anything above the instalment stays freely spendable

Repayments are taken from money set aside on payday, and borrowers always know what they can spend.

Illustrative

A merchant network for market traders in Onitsha · Merchants & e-commerce

Business accounts for traders

Traders mix personal and shop money in one account and can't show a lender what the business earns. The network wants to offer each shop its own account.

  1. Each shop gets a business account alongside the owner's personal one
  2. Customer payments land in the shop account
  3. The owner moves money to personal when they choose
  4. A six-month statement backs a stock loan application

Shop money is separate and provable, which is what a lender needs to see.

Illustrative
What it won't do

Honest limits.

  • It does not move money between banks on its own: pair it with Transfers or Collections.
Who uses it

Built into these products.

Fintechs & neobanks

Launch a full money app without building the plumbing.

Fintechs & neobanks

Banks, MFBs & PSBs

Add offline payments and new products to the channels you already run.

Banks, MFBs & PSBs
For developers

Create a financial account.

Endpoints in the Accounts API reference, with every parameter and response.

State changes arrive as signed webhooks. How webhooks work

POST /account

curl -X POST "https://api.bridgemoni.com/account" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Ada Obi",
    "description": "March payroll",
    "type": "main",
    "accountNumber": "0123456789",
    "currencyCode": "NGN",
    "userReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "organizationReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "parentAccountReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e"
  }'

Questions about accounts

Which currencies can accounts hold?

The currencies supported for your tenant. Naira is the first; each further currency behaves the same way on the same model.

Is a lien a debit?

No. The money stays in the account and counts towards its balance; it just can't be spent until the lien is released.

Do account numbers come with accounts?

An account on Bridge is a ledger account. To give it a bank account number people can transfer to, add Virtual accounts.

Can we read a balance from last month?

Yes. Balances are computed from posted entries, so any past moment can be read.

Related capabilities

Wallets

Live

Nested wallets on one customer, each with its own limits.

Ledger

Live

Double-entry postings behind every movement, queryable at any point in time.

Virtual accounts

Live

Dedicated account numbers per customer or per invoice, credited as transfers land.

Bridge for Business

Tell us what you're building.

We'll come back with what's live for you today, and what's next.

Talk to usRead the docs