Embedded Accounting for Fintechs & Platforms
The definitive 2025 guide to embedded accounting - what it is, why it matters, and how fintechs and SaaS platforms can integrate a compliant accounting engine in weeks, not months.
What Is Embedded Accounting?
Embedded accounting is the ability for fintechs, SaaS platforms, and marketplaces to offer built-in accounting functionality directly inside their product, without building an accounting system from scratch.
Build vs Buy: The Strategic Choice
| Capability | Build In-House (8-18 Months) | Embed with NewLedger (2-4 Weeks) |
|---|---|---|
| Core Accounting Engine | Design, build, and test double-entry ledger | Pre-built, proven, and ready-to-use |
| Compliance & Tax Logic | Constant updates for MAS, IRAS, IFRS | Pre-configured for key regulations |
| Financial Workflows | Develop invoicing, bills, payments in-house | White-label UI or API-driven workflows |
| Reporting & Analytics | Build custom P&L, Balance Sheet generators | Instant, real-time financial reports via API |
| Security & Audit | Achieve SOC2, manage encryption, RBAC | Inherit fintech-grade security model |
The Outcome: You go to market 10x faster, with zero compliance debt, and your team can focus on your core product differentiators.
How NewLedger Enables Embedded Accounting
Accounting Engine
Complete double-entry system with real-time processing
- Immutable audit log
- Journal automation
- FX handling
- AR/AP, tax sub-ledgers
Document Workflows
End-to-end financial document management
- Invoices & bills
- Payments & reconciliation
- Credit notes
- Approvals system
Fintech Infrastructure
Built for modern financial platforms
- Bank connections
- Payment reconciliation
- Escrow accounting
- Partner payouts
Deployment Flexibility
Choose the integration that fits your needs
- White-label UI
- API-only integration
- Cloud or self-hosted
- Multi-region support
Security & Compliance
Enterprise-grade security out of the box
- SOC2-grade security
- MAS TRM-aligned
- End-to-end encryption
- RBAC & MFA
Financial Reporting
Accurate, real-time reports for compliance and analytics
- P&L, Balance Sheet, Cash Flow
- Tax & GST/VAT reports
- Custom reporting engine
- Export to CSV, Excel, PDF, API
Powering Embedded Accounting Across Industries
Fintech & Neobanks
Enhance your financial technology platform with integrated accounting and reporting that keeps pace with real-time transactions.
- Real-time ledgering for card transactions
- Embedded business financial statements
- In-app invoicing & payment tracking
- Automated financial reporting
Key Benefits
Increase SME activation by 29%
25% higher ARPU from premium features
83% faster compliance approval
Near-zero reconciliation issues
Regional Neobank Transformation
The Challenge
High SME churn and compliance delays were impacting growth and customer satisfaction.
The Solution
Implemented embedded ledger, invoicing, and real-time P&L reporting directly within their banking platform.
Business Impact
Architecture Overview
You own the UI and customer relationship — NewLedger powers the financial core
For CTOs & Engineering Leads - Avoid Building:
- Journaling engine
- Tax engine
- Report generator
- Reconciliation logic
- Multi-entity consolidation
- Ledger performance tuning
Get Instantly:
- Clean REST API
- Standard data models
- Events & webhooks
- White-label UI components
- Multi-entity support
- Secure deployment options
Simple Integration Process
API Integration
Connect your platform with our comprehensive APIs and webhooks using our SDKs.
UI Customization
Customize the accounting interface to match your brand identity and user experience.
Testing & QA
Thorough testing in sandbox environment with real-world scenarios and data.
Go Live
Launch embedded accounting to your users with our dedicated support team.
Ready to Embed Accounting in Weeks, Not Months?
Join hundreds of SaaS platforms and fintechs that trust NewLedger for their embedded accounting needs.
Start Building Today
Get started with our started plan - perfect for technical teams ready to integrate
For technical teams: Start your 14-day free trial • For business teams: Contact us for a custom demo & pricing