Financial infrastructure API
Every fintech rebuilds the same ledger. Yours already exists.
Timely Products is financial infrastructure as an API: double-entry ledgers, transaction orchestration, KYC/KYB compliance, and multi-party payouts, integrated once.
The plumbing tax is real.
Before a fintech ships its actual product, it burns quarters rebuilding the same transaction plumbing. Here is what that looks like, and what it looks like on Timely.
The old way
With Timely
One integration. The whole stack.
Three systems behind one API surface: a ledger that cannot unbalance, orchestration that moves money between parties, and compliance that runs inside the flow.
A ledger that cannot unbalance
Every write is a balanced set of entries. The API rejects any transaction where debits and credits disagree, so your books reconcile by construction, not by cleanup job. Model your own account chart, limits, and multi-currency balances on top.
Splits, routes, and retries, declared once
Declare the parties and percentages when you create the transaction. Timely splits the funds, routes each leg, and settles on schedule. Every state change posts to your webhook endpoint, so your system always knows where the money is.
KYC/KYB inside the flow, not beside it
Identity verification, document checks, and sanctions screening run as pipeline states on the account itself. Onboarding a business customer is a status you query, not a vendor you integrate. Fraud rules watch every transaction stream.
Three calls to your first posted transaction
No bank onboarding marathon. Create accounts, post a transaction with its splits, and listen for the result.
Create your accounts
Set up the chart your product needs, in the currencies you operate in.
POST /v1/accounts
{ "code": "merchant:payable",
"currency": "GBP" }Post with splits
One call moves money between every party, balanced at write time.
POST /v1/transactions
{ "amount": "250.00",
"splits": [...] }Get the webhook
Every state change lands on your endpoint as it happens.
→ transaction.posted
{ "id": "txn_8492",
"status": "posted" }Wherever money moves between parties
The same ledger, orchestration, and compliance primitives, pointed at twelve sectors.
E-commerce
Multi-party checkouts and instant vendor payouts.
Banking
Core ledger replacement and programmatic account controls.
Logistics & Transportation
Milestone payouts and multi-jurisdiction toll routing.
Manufacturing
Supply chain trade finance, invoice splitting, vendor escrows.
Hospitality & Travel
Escrow-based bookings and split fee structures.
Fintech
Card programs, pocket ledgers, and payout routines via API.
Also supported
Insurance
Instant claim payouts, premium collection ledgering, auto-matching reconciliation.
Real Estate
Digital earnest deposit holding and lease payment disbursement.
Media
Micro-royalty distribution and subscriber paywall ledgers.
Health & Fitness
Subscription engine management and corporate wellness payouts.
Startups
Rapid sandbox prototyping with zero-setup developer APIs.
Marketing
Automated affiliate payout ledgers and real-time ad-spend tracking.
Bring your first transaction.
Talk to the engineers who built the ledger. Get sandbox keys, post a test transaction, and watch it balance.
info@timelypro.co.uk