Concepts

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Customers

A Customer represents a person or business using your platform. Every resource in Ledger — wallets, virtual accounts, counterparties — belongs to a Customer. Customers are active immediately on creation. To unlock capabilities like wallets and transfers, customers need to pass identity verification (KYC/KYB). Ledger handles this for you. Verification links:

• kycLink: hosted identity verification URL
• tosLink: hosted terms acceptance URL

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Wallets

A Wallet is a custodial crypto wallet Ledger manages on behalf of a customer. Wallets hold stablecoin balances and are the foundation for most money movement. What you can do with a wallet:

• Receive deposits via crypto deposit addresses
• Send onchain transfers to external addresses
• Check balance via the balance endpoint
• Hold stablecoin balances

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Virtual Accounts

A Virtual Account provides fiat deposit instructions (routing/account numbers, IBAN, CLABE, etc.) that route incoming fiat into a linked wallet as stablecoins.

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Counterparties

A Counterparty is a customer-owned external account that can receive funds — bank accounts, mobile money wallets, or international wire destinations. Supported types: us_bank, iban, clabe, pix, gb_bank, mobile_money, ghipss, nip, swift Bank-backed types (us_bank, iban, clabe, pix, gb_bank) require customer KYC approval. Direct types (mobile_money, ghipss, nip, swift) can be created without KYC.

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Transactions

A Transaction records any value movement in Ledger. Every deposit and transfer creates a transaction. Transactions include onchain details when available:

• destinationAddress: where funds were sent
• destinationTxHash: onchain transaction hash
• finalAmount: actual amount received after fees
• gasFee: network fee charged
• exchangeFee: conversion fee

Transactions are read-only — they are created automatically when money moves through the system.

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Transfers

A Transfer is a directed movement of value that you initiate via POST /v1/transfers. It creates a transaction automatically. The source is always the customer’s wallet. You specify the destination:

• Crypto address on any supported chain (onchain transfer)
• Fiat rail like ACH or SEPA (requires customer KYC)

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Webhooks

Webhooks let you receive real-time notifications when events happen in Ledger. Register a URL and Ledger pushes events to you. Event types:

• customer.created, customer.updated
• wallet.created, wallet.updated
• virtual_account.created, virtual_account.updated
• transaction.created, transaction.updated
• counterparty.created
• webhook.test

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IDs

Every resource has a prefixed ID:

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Environments