Ledger-as-a-Service (LaaS) providers offer programmable ledgers, payment operations, and money movement infrastructure so fintechs can track, move, and reconcile money at scale without building in-house. The category spans direct ledger APIs (Formance, Fragment, TigerBeetle), full-stack payment operations (Modern Treasury, Moov), and vertically integrated bank-tech (Column). Compare open-source vs proprietary, self-hosted vs cloud, and multi-rail coverage.
| Provider | HQ | Category | Target Market | Dev Portal | ||
|---|---|---|---|---|---|---|
 | Stripe Treasury |  | BaaSPayments+3 | PlatformsMarketplaces+2 | Docs | View |
 | Column | | BaaSPayments+3 | FintechsPlatforms+1 | Docs | View |
 | Moov Financial | | PaymentsAccounts+2 | PlatformsMarketplaces+1 | Docs | View |
Formance |  | Financial LedgerPayments+2 | FintechsPlatforms+1 | Docs | View | |
Modern Treasury | | Financial LedgerPayments+2 | FintechsPlatforms+2 | Docs | View | |
Fragment | | Financial LedgerAccounts+1 | FintechsPlatforms+1 | Docs | View | |
TigerBeetle | | Ledger-as-a-ServicePayments | FintechsPlatforms+1 | Docs | View | |
Twisp | | Ledger-as-a-ServiceAccounts | FintechsNeobanks+1 | View | ||
Blnk Finance |  | Ledger-as-a-ServiceLending+1 | FintechsPlatforms+1 | Docs | View | |
Open Ledger | | embedded-accountingLedger-as-a-Service | PlatformsFintechs+1 | View | ||
 | Thred |  | embedded-accountingFinancial Ledger+1 | vertical-softwarePlatforms+2 | View |