Ledge

Ledge is an AI-powered close management, reconciliation and payment-operations platform for finance teams. It centralizes transaction and payment data from a company's entire stack — banks, payment service providers, ERPs, billing systems, data warehouses and file feeds — and automates the work on top of it: multiway transaction matching, account and payment reconciliation, automated cash application, flux analysis, working papers, and journal entries posted back to the ERP with review and approval built in. Its Agent Studio lets teams build AI agents that execute close-checklist tasks, with human-in-the-loop review, rationale, and a queryable audit trail. Ledge exposes a REST API over its Sources and Transactions data, authorized with OAuth 2.0 client credentials. Founded in 2022, the company raised a $9M seed round led by NEA with participation from Vertex Ventures, FJ Labs and Picus Capital.

Ledge is listed with 2 APIs on the APIs.io network: Sources API and Transactions API. Tagged areas include Company, Fintech, Accounting, Reconciliation, and Financial Close.

The Ledge catalog on APIs.io includes 1 Spectral governance ruleset.

Ledge’s developer surface includes developer portal, documentation, API reference, getting-started guide, engineering blog, pricing, support, and 27 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

51.1/100 developing ▬ flat Agent 36/100 agent ready Front door AI 4/6 moderate Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

2 APIs 2 Agent Skills

Company Fintech Accounting Reconciliation Financial ClosePayment OperationsTransaction MatchingCash Application Journal Entries AI Agents ERP Integration Finance Automation

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 51.1/100 · developing

Contract Quality 3.2 / 19

Developer Ergonomics 9.0 / 15

Access Clarity 12.8 / 15

Operational Transparency 3.6 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 17.2 — up to +20.7 composite points
Operational Transparency scores 36.8 — up to +8.2 composite points
Contract Governance scores 31.8 — up to +8.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/ledge/apis.yml: open an issue on github.com/api-evangelist/ledge to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Ledge Sources API

Data sources connected to Ledge (banks, payment service providers, ERPs, databases) and the datasets fetched from them.

Ledge Transactions API

Transactions, their matches, and their reconciliation status.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Ledge Sources API

OPEN COLLECTION

Ledge Sources Transactions API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Audit Ledge source freshness and ingestion health

AGENT SKILL

Find and investigate unreconciled Ledge transactions

AGENT SKILL

Ledge API pricing

Prices published by Ledge, read 2026-10-28 from www.ledge.co/pricing.

Plan	Price
Track	Request pricing Includes: 1 ERP + 1 bank integrations, Unlimited CSV uploads, Close process management, Real-time tracking das
Execute	Request pricing Includes: Everything in Track, plus: Direct data-source integrations, Ongoing transaction monitors, Agentic cl
Enterprise	Request pricing Includes: Everything in Execute, plus: Proprietary sources integrations, API + webhooks output, Cross-agent de

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Ledge Plans Pricing

3 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Ledge

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Ledge Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Ledge API Rules

55 rules · 53 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Ledge Api Overlay

8 actions · update · ledge-api-openapi.yml

DERIVED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ledge Authentication

oauth2 · 1 scheme

SECURITY

Ledge Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Ledge Trust Center

SOC 1, SOC 2, ISO 42001, GDPR

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Ledge Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

WellKnown

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

ErrorCatalog

Lifecycle

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

Security

Compliance

TrustCenter

DomainSecurity

OAuthScopes

Authentication

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: ledge
name: Ledge
description: 'Ledge is an AI-powered close management, reconciliation and payment-operations platform for finance teams. It
  centralizes transaction and payment data from a company''s entire stack — banks, payment service providers, ERPs, billing
  systems, data warehouses and file feeds — and automates the work on top of it: multiway transaction matching, account and
  payment reconciliation, automated cash application, flux analysis, working papers, and journal entries posted back to the
  ERP with review and approval built in. Its Agent Studio lets teams build AI agents that execute close-checklist tasks, with
  human-in-the-loop review, rationale, and a queryable audit trail. Ledge exposes a REST API over its Sources and Transactions
  data, authorized with OAuth 2.0 client credentials. Founded in 2022, the company raised a $9M seed round led by NEA with
  participation from Vertex Ventures, FJ Labs and Picus Capital.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/63aadf1c20f6a6eb95024394/68df18eebbbc304be738307c_Ledge%20%7C%20put%20your%20close%20on%20ait-pilot%20with%20a%20team%20of%20AI%20agents.png
url: https://raw.githubusercontent.com/api-evangelist/ledge/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- nea
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: gitbook
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Fintech
- Accounting
- Reconciliation
- Financial Close
- Payment Operations
- Transaction Matching
- Cash Application
- Journal Entries
- AI Agents
- ERP Integration
- Finance Automation
apis:
- aid: ledge:ledge-sources-api
  name: Ledge Sources API
  description: Data sources connected to Ledge (banks, payment service providers, ERPs, databases) and the datasets fetched
    from them.
  humanURL: https://docs.ledge.co/api-reference/getting-started
  baseURL: https://api.goledge.io
  tags:
  - Sources
  properties:
  - type: OpenAPI
    url: openapi/ledge-sources-api-openapi.yml
  - type: Documentation
    url: https://docs.ledge.co/api-reference
  - type: APIReference
    url: https://docs.ledge.co/api-reference/getting-started
  - type: Authentication
    url: https://docs.ledge.co/api-reference/fundamentals/authentication
  - type: Pagination
    url: https://docs.ledge.co/api-reference/fundamentals/pagination
  - type: ErrorCodes
    url: https://docs.ledge.co/api-reference/fundamentals/status-codes
- aid: ledge:ledge-transactions-api
  name: Ledge Transactions API
  description: Transactions, their matches, and their reconciliation status.
  humanURL: https://docs.ledge.co/api-reference/getting-started
  baseURL: https://api.goledge.io
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/ledge-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.ledge.co/api-reference
  - type: APIReference
    url: https://docs.ledge.co/api-reference/getting-started
  - type: Authentication
    url: https://docs.ledge.co/api-reference/fundamentals/authentication
  - type: Pagination
    url: https://docs.ledge.co/api-reference/fundamentals/pagination
  - type: ErrorCodes
    url: https://docs.ledge.co/api-reference/fundamentals/status-codes
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/ledge-plans-pricing.yml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/ledge/overview
- type: Overlay
  url: overlays/ledge-api-overlay.yaml
- type: Website
  url: https://www.ledge.co
- type: Portal
  url: https://app.goledge.io/developers
- type: Documentation
  url: https://docs.ledge.co
- type: APIReference
  url: https://docs.ledge.co/api-reference/getting-started
- type: GettingStarted
  url: https://docs.ledge.co/api-reference/getting-started
- type: Login
  url: https://app.goledge.io
- type: Blog
  url: https://www.ledge.co/resources/articles
- type: Pricing
  url: https://www.ledge.co/pricing
- type: Support
  url: https://www.ledge.co/support-policy
- type: StatusPage
  url: https://status.ledge.co
- type: Security
  url: https://www.ledge.co/security
- type: Compliance
  url: security/ledge-trust-center.yml
- type: TermsOfService
  url: https://www.ledge.co/terms-of-service
- type: PrivacyPolicy
  url: https://www.ledge.co/privacy-policy
- type: GitHubOrganization
  url: https://github.com/goledge
- type: Integrations
  url: https://www.ledge.co/integrations
- type: LinkedIn
  url: https://www.linkedin.com/company/ledge-finance
- type: ChangeLog
  url: https://docs.ledge.co/changelog
- type: ChangeLog
  url: changelog/ledge-changelog.yml
- type: TrustCenter
  url: security/ledge-trust-center.yml
- type: DomainSecurity
  url: security/ledge-domain-security.yml
- type: OAuthScopes
  url: scopes/ledge-scopes.yml
- type: Authentication
  url: authentication/ledge-authentication.yml
- type: Conventions
  url: conventions/ledge-conventions.yml
- type: Conformance
  url: conformance/ledge-conformance.yml
- type: ErrorCatalog
  url: errors/ledge-problem-types.yml
- type: Lifecycle
  url: lifecycle/ledge-lifecycle.yml
- type: DataModel
  url: data-model/ledge-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/ledge-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: WellKnown
  url: well-known/ledge-well-known.yml
- type: LLMsTxt
  url: llms/ledge-llms.txt
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Ledge API — frequently asked questions

Does Ledge have an API?

Yes. APIs.io lists 2 APIs from Ledge, including Ledge Sources API and Ledge Transactions API.

Is there an OpenAPI specification for the Ledge API?

Yes. APIs.io indexes 2 OpenAPI specifications for Ledge, each linked for download from this page.

How do I authenticate with the Ledge API?

Ledge documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Ledge Authentication.

How much does the Ledge API cost?

Ledge publishes its prices; its Track plan is Request pricing as of 2026-10-28. APIs.io lists 3 pricing plans for Ledge, with each plan's price, limits and inclusions under Pricing on this page.

Is the Ledge API ready for AI agents?

Ledge has a Kin Score of 51.1 out of 100 (developing) and an Agent Readiness score of 35.6 (agent-ready), scored by API Evangelist on 2026-11-06.

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