Financial Services

Numbers people will act on, and an audit trail behind them.

Software that touches money has a higher bar: every balance is a time series, every read is logged, and nothing should be architecturally capable of moving funds it was not meant to.

Read-only
scoped at the token
Append-only
ledgers, not current values
Logged
every access, queryable

What we hear

If any of this sounds familiar…

01

The number is right today and wrong tomorrow

A system storing current balances cannot answer what something was worth last March. History has to be a design decision, not a feature added later.

02

Nobody can prove who looked

A customer asks who accessed their data and there is no log to consult. In this sector that is not an inconvenience.

03

A correction rewrites the past

A balance gets fixed and the chart shows a fictional jump on the day of the fix rather than a corrected history.

What we build

The pieces this sector actually needs.

Account aggregation

Read-only sync from banks and brokerages, scoped so the application cannot initiate a transfer even if it wanted to.

Event-sourced ledgers

Balances stored as movements and derived by replay, so a correction fixes history rather than inventing a step change.

Multi-currency

Holdings resolved to one reporting currency using the rate on the day, not today's rate applied backwards.

Access logging

Append-only records of every session and read, retained and searchable before anybody asks for them.

2FA and passkeys

Strong authentication with recovery flows designed deliberately rather than left to a reset email.

Export

Full data export in a format a spreadsheet opens, because leaving should be a supported operation.

Where this comes from

Proven somewhere real.

Charten is a live net-worth ledger we delivered: read-only bank and brokerage sync, event-sourced balances, multi-currency, 2FA, access logging and encryption at rest. You can open it right now.

Go and read it

Tell us how your business actually runs.

The process, not the software you think you need. We’ll come back within one business day.

Reply time

One business day, from an engineer

Based in

Orlando, Florida · serving the United States

What happens next

  • A reply within one business day, from an engineer
  • A thirty-minute call, with no qualifying call before it
  • A written scope and a fixed number, if it fits