Enterprise-grade ledger

Build your future on a next-generation digital ledger for banks, financial technology companies, and brands.

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A modern ledger for an evolving financial landscape

Built to be more than just a ledger, the Episode Six platform integrates easily into your existing infrastructure, ensuring you can scale, adapt, and innovate without limitations. Our ledger works seamlessly with our issuing platform, so you can focus your customers rather than managing multiple systems.

Unbreakable accuracy & trust

Maintain precise balances, ensure real-time processing, and eliminate reconciliation errors—even under peak demand.

Built for any financial product

Deploy deposits, wallets, revolving credit, BNPL, virtual accounts, and more with configurable product settings.

Multi-currency, multi-value flexibility

Manage fiat, loyalty points, crypto, and any other value type in a single ledger.

Seamless ecosystem integration

Connect with core banking systems, processors, ACH networks, fraud detection, and more.

Enterprise-grade infrastructure

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Enterprise-grade resilience

Process high volumes at scale with high availability and 24/7 support.

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Globally distributed

Available in 16 cloud regions, supporting localized deployments for high availability.

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Secure & compliant

Flexible platform makes it easier to meet your evolving regulatory standards.

Why build when you can scale?

Your ledger should grow with your business, not hold it back.

With Episode Six, you get a battle-tested, high-performance ledger solution for fintechs and banks that's trusted by global enterprises to power millions of accounts and transactions worldwide.

 

 

Revolving credit

Flexible credit. Real-time control.

Give your customers the freedom to borrow, repay, and repeat—with a revolving credit line that’s as dynamic as they are. Price your line of credit any way you want to grow your portfolio.

  • Power personalized credit experiences for consumers and businesses
  • Price credit any way you want with hyper-configurable interest and fees
  • Real-time processing of everything across the entire account lifecycle
  • Offer digital-first experiences with API based billing histories, sub-balances, and more
  • Offer secured or unsecured lending with a connected deposit account
  • Flexibility to assure product regulatory compliance for markets across the globe

 

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Installments

Big purchases, smaller payments.

Split any transaction into predictable repayments that work for your customers. Whether it’s buy now, pay later or post-purchase conversion, our installment solution handles the logic, scheduling, and processing behind the scenes—so you can focus on experience.

  • Give customers the freedom to do pre, during, or post payment splitting

  • Price loans in multiple ways with configurable interest and fees

  • Offer any type of repayment model from deferred payment, to pay in X, and full amortizing loans

  • Power digital lending with API-based, real-time processing

  • Embed lending in any type of experience 

 

Loans

Lending that fits their lives.


Whatever the use case, our platform makes it easy to offer loans that match your customers’ realities. From disbursement to final repayment, it’s all built on a real-time ledger that never loses track.

  • Offer any type of loan across personal lending, business lending, automative lending, and more
  • Give customers a real-time view into their loan payment schedule
  • Configure your loan product features including early repayment, amortization method, fees, and more

 

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Interest-bearing deposit

Interest-bearing deposits

Turn deposits into a growth engine.

Reward customer loyalty and fuel your balance sheet. Our platform supports fully configurable interest-bearing accounts that are easy to launch, manage, and integrate—without the core system headaches.

  • Offer savings and interest-bearing products of any kind

  • Enable customers to track savings goals within their savings account

  • Offer personalized or segment-based interest accrual rates

  • Add term deposit accounts for extended savings options

  • Support consumer, business, and corporate savings use cases

  • Use balances to underpin lending and other ventures within your ecosystem

FAQs

What is a ledger and how is Episode Six's different?

A ledger is the foundational system that records every account, balance, and transaction in financial services. Traditional ledgers are often fragmented — one for cards, another for loans, another for deposits — and they typically rely on overnight batch updates that delay visibility and create reconciliation challenges. Episode Six’s cloud-native ledger is different. It’s a unified, real-time platform that supports both card products and non-card financial products such as virtual accounts, loans, installments, and interest-bearing deposits. Our multi-currency ledger can manage fiat currencies, digital assets, and rewards in a single system, giving you unmatched flexibility. With built-in sub-ledgering, you can create account hierarchies, track balances across programs or business units, and reconcile instantly in real time. The result is a single source of truth for all financial products — always accurate, high-availability, and scalable across markets. With Episode Six, you eliminate silos, reduce operational complexity, and gain the agility to build whatever comes next. What types of financial products can be managed on your ledger? Our ledger is a versatile platform built to manage a broad range of financial products. This includes traditional products like deposits, revolving credit, and loans. It is also designed for modern financial products like wallets, BNPL (Buy Now, Pay Later), and virtual accounts. This flexibility allows you to launch and manage a diverse product portfolio from a single, unified platform.

Can The Episode Six platform handle different types of value, like crypto or loyalty points?

Yes, our platform's multi-currency, multi-value ledger is designed to handle different types of value within a single system. This means it can manage traditional fiat currency as well as alternative forms of value such as loyalty points, crypto, and any other value type. This capability allows you to build innovative products that bridge the gap between traditional finance and emerging digital assets.

Can the Episode Six ledger integrate with our existing B2B financial systems?

Yes! Our API-first architecture ensures that the ledger can be seamlessly integrated with:

  • ERP systems (SAP, Oracle, QuickBooks) for real-time financial tracking
  • Treasury management systems to manage liquidity and fund movements
  • Banking and payment platforms for automated reconciliation
  • Billing and invoicing systems to sync transactions instantly

With plug-and-play APIs, businesses can easily connect the ledger to their existing financial infrastructure


How does the cloud-native ledger help with compliance and auditability?

A modern ledger system can help you meet your compliance and transparency goals more easily by:

  • Providing an immutable transaction history – Every entry is permanently recorded.
  • Supporting automated reporting – Generate real-time financial statements and audit logs.
  • Enabling compliance driven changes - Respond more quickly to regulatory updates in your market.
  • Offering role-based access controls – Ensures only authorized personnel can modify or access financial data.

This makes it easier for businesses to maintain compliance, pass audits, and reduce financial risk.

What makes a cloud-native ledger ideal for high-volume, real-time B2B transactions?
Our cloud-native ledger is built for:

  • Real-time reconciliation – Instant updates on every transaction, with no batch delays
  • High-speed scalability – Designed to handle millions of transactions per second
  • Multi-layered financial tracking – Supports complex use cases like escrow, marketplace payouts, and dynamic settlements
  • Customizable accounting rules – Businesses can set custom fund flows, journal entries, and settlement logic

Unlike traditional banking systems, our ledger provides real-time visibility and financial control at any sca

How does your platform handle interest accrual and repayment processing?

Our ledger makes interest accrual, account management, and repayment processing easy by handling the complex logic behind the scenes. The Episode Six platform includes automated calculations for amortization schedules and fees, ensuring accuracy for every transaction. This capability allows you to offer sophisticated loan products without the manual burden of managing all the intricate financial calculations.

What are the benefits of a future-ready ledger?

A future-ready ledger ensures that your organization can adapt to an evolving financial landscape and launch new products without being constrained by technology. The benefits of a future-ready ledger include the ability to innovate more quickly, reduce the cost to operate, and maintain a competitive edge by staying ahead of market trends and technological shifts.

Can I offer savings and interest-bearing products?

Yes, our platform makes it easy to offer savings and interest-bearing products. You can set personalized interest accrual rates and manage term deposit accounts with automated calculations. The ledger handles all the complex logic behind the scenes, allowing you to focus on creating attractive financial products for your customers.

Can I customize loan product features?

Yes, our platform is highly configurable and allows you to customize loan product features to meet your specific needs. This includes setting early repayment options, defining amortization methods, and adjusting fees. This level of control allows you to create unique and tailored lending products for any customer segment. 

What is the value of a single ledger for diverse financial products?

The value of a single ledger for diverse financial products is that it provides a consistent and unified foundation for all your offerings, from credit cards to BNPL. This approach ensures seamless operations and a better customer experience by eliminating the need to manage multiple, disconnected systems. A single ledger simplifies your technology stack and provides a cohesive view of all your financial data.

Ready to transform your ledger? Let's talk.

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