Every entry
One source of truth

One ledger behind every statement, export, and audit trail. No manual reconciliation required

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~/montis/reporting/statement.build.live.ts

montis live

from the ledger

Six primitives. One source of truth

Statements

Account and consolidated statements
drawn straight from posted entries

Exports

CSV, ISO 20022 camt, GL/ERP-ready. The formats finance and regulators expect

Audit trail

Append-only, signed, replayable. Every entry traceable to its source

Reconciliation

Nothing to reconcile, every module already posts to the same ledger

Scheduled delivery

Statements and packs delivered on a schedule, to the people who need them

Regulatory packs

Pre-built reporting packs mapped to the returns your licence requires

every format

One ledger. Every format

A statement for people, ISO 20022 for the rails, CSV for your ERP

general ledger€2,242,022.00

PDFstatement.pdf

Account statement

period 2026-06 · EUR

Customer wallets1,284,920.00

Settlement842,160.00

Fee income18,402.00

FX clearing96,540.00

total€2,242,022.00

✓ signed · 0x9f2c…a1

XMLcamt.053.xml

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<Stmt ccy="EUR">
  <Id>2026-06</Id>
  <Bal>2242022.00</Bal>
  <Ntry>1284920.00</Ntry>
  <Ntry>842160.00</Ntry>
  <Ntry>18402.00</Ntry>
  <Ntry>96540.00</Ntry>
  <Sgntr>0x9f2c…a1</Sgntr>
</Stmt>

✓ schema valid · camt.053.001.08

CSVgl.csv

#accountamount

1Customer wallets1,284,920.00

2Settlement842,160.00

3Fee income18,402.00

4FX clearing96,540.00

total2,242,022.00

in the system

Reporting draws from here
So does every other module

→ confirmed in 187ms
}
  "status":      "POSTED"
  "fx_rate":     1.0843,
  "to":          "acc_external_8821",
  "from":        "acc_montis_eur",
  "currency":    "EUR",
  "amount":      14250.00,
  "id":          "txn_8K2vQp",
{
POST /v1/ledger/transactions
// ledger.entries.append

The foundation of your product

Accounts, ledger and transactions, built as one system

Open Core

Conversion as a primitive

Live rates, real-time conversion

Open FX

Ledger to point of spend

Issue against any account. Authorize, control, settle on one system

Open Cards

Controls in front, not after

KYC, screening and monitoring everything that moves

Open Compliance

Every rail, one ledger

SEPA, SEPA Inst, SWIFT and domestic rails

Open Payments

full lineage

Every number, traced to source

Drill from any figure to the entries behind it. No black boxes. No manual tie-outs

Drill-downExpand any total to its source entries
Always reconcilesEvery figure is the sum of its parts
ReplayableRebuild any report from the append-only ledger

lineage · statement 2026-06traceable

account · sourceamount

Fee income REPORT FIGURE€18,402.00

├─ SEPA fees€11,200.00

│ ├─ 0x7af3 SEPA SCT · 11:02€7,000.00

│ └─ 0x91c2 SEPA Inst · 11:18€4,200.00

├─ Card scheme€5,102.00

│ ├─ 0x4d8a interchange · 11:41€3,100.00

│ └─ 0x6b1f scheme fee · 11:55€2,002.00

└─ FX margin€2,100.00

├─ 0x2e90 EUR/USD · 12:03€1,300.00

└─ 0xa7c4 GBP/EUR · 12:30€800.00

every figure reconciles to source · 6 posted entries · 0 unexplained

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Trust every figure
Trace every entry

Statements, exports, and audit trails all drawn from the same ledger. Every period. Every format