Platform Capability

Accounts And Ledger With Deterministic Guarantees

Model balances, holds, and postings on a correctness-first ledger foundation that stays reviewable under scale and operational pressure.

Docs

01Double-entry safety
02Hold/release logic
03Reconciliation visibility

Fig 01operating model

Account state stays tied to double-entry postings, holds, releases, and tenant boundaries.

Entrypoint

POST /accounts

01Open

Create account state

Balances and account ownership are created inside tenant-scoped boundaries.

02Reserve

Apply hold

Funds can be reserved without hiding the source or release condition.

03Post

Write ledger entries

Debit and credit entries keep money state deterministic.

04Release

Settle or reverse

Holds, reversals, and settlement outcomes are explicit state transitions.

05Review

Inspect balance history

Operators trace balances through ledger history and reconciliation evidence.

Events emitted

account.createdbalance.hold.createdledger.entry.postedbalance.released

Evidence retained

account_idbalance_snapshothold_referenceledger_entrytenant

Fig 02failure paths

Account balances do not become folklore.

Holds, releases, postings, reversals, and tenant boundaries are kept visible at the account level.

Stuck hold

Incident

Funds are reserved for a payment that never reaches final settlement.

Zentra path

Hold state remains visible until release, expiry, or operator review resolves it.

Evidence

Hold reference, account ID, source request, expiry state, and release entry are retained.

Tenant boundary check

Incident

An operator attempts to inspect or mutate an account outside their tenant scope.

Zentra path

Authorization and tenant context gate the action before account state is exposed.

Evidence

Actor, tenant, role, denied action, and timestamp are retained for audit review.

Fig 03api to product state

The integration creates visible state.

One call to POST /accounts produces status, emitted events, and retained evidence a team can inspect without leaving the product surface.

create accountrequest

await zentra.accounts.create({
  customer: "customer_ref",
  currency: "ledger_currency",
  account_type: "operating",
  idempotency_key: "acct_live_042"
})

product consequence

status: active
event: account.created
evidence: account_id
entrypoint: POST /accounts

Fig 04capability model

Double-entry foundation

Maintain debit and credit integrity at every post.

Holds and releases

Reserve funds safely while preserving clear settlement and release semantics.

Tenant-aware account models

Segment account operations by tenant with explicit boundary enforcement.

Reconciliation workflows

Support periodic and real-time reconciliation from one transaction history.

Visual center

Control plane

Tenant-aware orchestration with explicit states, traces, and policy boundaries.

Fig 05operational proof

Evidence that holds when production gets noisy.

State, actor, tenant, signature, and policy context remain reviewable after the happy path breaks — written to be checked by operators and compliance teams, not admired in a deck.

Docs

Holds, releases, reversals, and postings stay readable against one balance history.

Balance disagreement is traced to ledger entries and account boundaries, not parallel account snapshots.

Tenant account models preserve ownership, available balance, pending balance, and reconciliation context.