KlarLedger — Multi-Currency SEPA & Stripe Treasury Reconciliation
FinTech & Payment Operations
Automated webhook ingestion, IBAN virtual account matching, and immutable exception queue for EU B2B FinTech operations
Proposed Technical Blueprint
Audit-Proof Double-Entry Reconciliation & Webhook Pipeline
Bottleneck & Risk Diagnosis

High-growth European B2B platforms lose 15+ finance hours weekly reconciling asynchronous Stripe payouts and SEPA bank statements because webhook retries, partial FX deductions, and missing remittance references corrupt naive CRUD tables.

Engineered Solution Overview

An HMAC-verified webhook ingestion gateway paired with Redis idempotency locks and an immutable PostgreSQL 16 double-entry ledger. Exact matches settle automatically in under 25ms, while FX/fee tolerances route cleanly into an operator exception queue.

Recommended Production Tech Stack
Selected for deterministic reliability, strict type safety, and low cloud overhead
Frontend
Next.js 15 (App Router)
Material UI v7 + X DataGrid
Backend
Rust (Axum + SQLx)
TypeScript (Strict)
Database
PostgreSQL 16
Infrastructure
Redis 7
Docker Compose + Caddy
HMAC + Redis Idempotency
Zero Duplicate Postings

Cryptographic signature verification and 72-hour idempotency keys prevent duplicate ledger postings during upstream webhook storms.

Immutable Double-Entry Ledger
ACID Audit Compliance

PostgreSQL append-only journal entries enforce balanced debit/credit constraints with row-level locking on virtual IBAN accounts.

Dead-Letter Replay Inspector
99.99% Event Durability

Failed downstream ERP syncs enter an exponential-backoff Dead Letter Queue with one-click operator payload replay.

System Dataflow & Topology (Mermaid.js)
End-to-end request lifecycle, persistence boundaries, and asynchronous workers

Rendering system topology...

VERIFIED PRODUCTION TRACK RECORD
Sardana Webhook Relay & Inventory VAT ERP

Live HMAC-SHA256 webhook ingestion engine + EU Peppol e-invoicing ledger already running in production.

Open Live System