## Status at a Glance
[](code_of_conduct.md)
## Open-Source Financial Ledger for Developers
Blnk is an open-source, double-entry ledger for teams building fintech products, wallets, banking infrastructure, payment systems, lending products, rewards programs, and other transaction-heavy financial applications.
It gives developers the core primitives needed to record transactions, manage balances, reconcile external records, and keep financial state accurate as products scale.
[Read the developer docs](https://docs.blnkfinance.com/home/install?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing) | [Deploy on Blnk Cloud](https://cloud.blnkfinance.com/auth/sign-up?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing) | [View Support plans](https://blnkfinance.com/pricing#support-plans?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
## Quick start
The fastest way to understand Blnk is to deploy a sandbox and follow the developer docs.
Start here:
- [Install Blnk locally](https://docs.blnkfinance.com/home/install) or [Deploy your sandbox](https://cloud.blnkfinance.com/auth/sign-up?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
- [Create your first ledger, balance, and transaction](https://docs.blnkfinance.com/tutorials/quick-start/create-your-first-ledger-balance-and-transaction?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
- [Explore Blnk tutorials](https://docs.blnkfinance.com/tutorials?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
- [Read the API reference](https://docs.blnkfinance.com/api-reference?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
## Why teams use Blnk
Financial products need more than a database table of balances. They need a reliable ledger that can track every movement of value, preserve transaction history, support reconciliation, and help teams reason about correctness.
Blnk helps teams:
- Build on double-entry accounting principles from day one.
- Record transactions across ledgers, balances, and identities.
- Monitor balances and historical balance states.
- Handle inflight transactions, scheduled transactions, overdrafts, and bulk transaction workflows.
- Reconcile internal ledger records with external statements or provider data.
- Tokenize and manage identity data linked to balances and transactions.
- Move faster without hand-rolling critical financial infrastructure.
## What you can build
Developers use Blnk for workflows such as:
1. [Wallet management](https://docs.blnkfinance.com/tutorials/quick-start/wallet-management?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
2. [Deposits and withdrawals](https://docs.blnkfinance.com/tutorials/digital-banking/deposits-withdrawals?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
3. [Order exchange](https://docs.blnkfinance.com/tutorials/crypto/order-exchange?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
4. [Lending](https://docs.blnkfinance.com/tutorials/digital-banking/lending?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
5. [Loyalty points systems](https://docs.blnkfinance.com/tutorials/quick-start/loyalty-points?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
6. [AI billing](https://docs.blnkfinance.com/tutorials/more/ai-billing?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
7. [Escrow applications](https://docs.blnkfinance.com/tutorials/quick-start/escrow-payments?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
## Core capabilities
### Ledger
Blnk provides an open-source double-entry ledger for managing balances and recording transaction workflows. It supports balance monitoring, balance snapshots, historical balances, inflight transactions, scheduling, overdrafts, bulk transactions, and other ledger operations needed in production financial systems.
### Reconciliation
Blnk helps teams match external records, such as bank statements or payment processor exports, against internal ledger records using custom matching rules and reconciliation strategies.
### Identity management
Blnk lets teams create and manage identities, tokenize PII, and link identities to balances and transactions.
## Managed hosting & support
Blnk is open source, so you can self-host and extend it for your own stack.
If your team wants a managed path, you can use [Blnk Cloud](https://cloud.blnkfinance.com/auth/sign-up?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing).
If you are integrating Blnk into a production product and want dedicated help from the team, you can [view Blnk Support plans](https://blnkfinance.com/pricing#support-plans?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing).
## Community
If Blnk is useful to you:
- Star the repository so more developers can discover it.
- Join the community on Discord: [Accept Discord invite](https://discord.gg/7WNv94zPpx)
- Visit the website: [blnkfinance.com](https://www.blnkfinance.com?utm_source=github&utm_medium=readme_md&utm_campaign=oss_commercial_routing)
## License
This project uses the [Apache License 2.0](LICENSE.md).