Built for teams that move money.
From fintech startups to enterprise finance teams to embedded finance platforms — if your product handles financial transactions, Goldie Street gives you the foundation to build on. We bring the domain expertise, you bring the product vision.
Who builds with Goldie Street.
Eight industries where teams use our financial primitives to ship faster — without compromising on correctness.
Fintech Startups
Launch faster without compromising correctness.
Marketplaces & Platforms
Hold funds, manage payouts, run loyalty — properly accounted for.
Embedded Finance
Add financial features to your SaaS without becoming a bank.
Investment Platforms
Per-customer portfolios with proper accounting from day one.
Banks & Credit Unions
Modernize your core without ripping out what works.
Lending & Credit
Disbursements, repayments, and interest accrual — handled.
Enterprise Finance Teams
Replace spreadsheets with programmable infrastructure.
Loyalty & Rewards
Properly account for points liabilities and redemptions.
Fintech Startups
Launch faster without compromising correctness.
Years of building production banking systems means we already know where the landmines are. Use our battle-tested ledger and skip months of learning subtle edge cases the hard way.
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Example Products You Can Build
Digital Wallet
Stored value, P2P transfers, instant payouts, holds and limits — backed by double-entry accounting.
Money Transfer Service
Cross-border remittance, FX conversion, compliance screening, and recipient payouts.
Neobank Account
Per-customer accounts with deposits, withdrawals, transfers, and full transaction history — without building core banking from scratch.
Marketplaces & Platforms
Hold funds, manage payouts, run loyalty — properly accounted for.
Two-sided marketplaces and gig platforms juggle complex money flows: escrow, splits, payouts, refunds. Goldie Street handles them all with clean accounting and real-time fraud protection.
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Example Products You Can Build
Marketplace Escrow
Hold buyer funds until delivery confirmation, then release to sellers. Handle disputes, refunds, and split payments.
Split Payouts
Distribute funds across multiple sellers automatically — handle fees, holdbacks, and payout schedules without touching the ledger logic.
Embedded Finance
Add financial features to your SaaS without becoming a bank.
Vertical SaaS platforms are adding banking, payments, and investing features to their products. Goldie Street gives you the financial primitives — you stay focused on your industry.
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Example Products You Can Build
Vertical SaaS Wallet
Add per-customer wallets to your SaaS without becoming a bank. Handle deposits, balances, and payouts with no license required.
Subscription Billing
Recurring charges, dunning, refunds, prorations, and revenue recognition — done properly.
Payroll System
Employer accounts, employee balances, tax withholding, garnishments, and pay-period reconciliation.
Investment Platforms
Per-customer portfolios with proper accounting from day one.
Robo-advisors, brokerages, and savings apps need correct per-user balances, deposit/withdrawal flows, dividend tracking, and ironclad audit trails. We provide the rails.
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Example Products You Can Build
Investment App
Per-user portfolios, deposits, withdrawals, dividend payouts, and tax reporting — all with accurate accounting.
Robo-Advisor
Automated portfolio rebalancing, deposits, withdrawals, performance tracking, and tax-loss harvesting.
Banks & Credit Unions
Modernize your core without ripping out what works.
Traditional banks need flexible, programmable ledgers to launch new products quickly. Goldie Street plugs into your existing systems so you can ship modern features without a multi-year core replacement.
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Example Products You Can Build
Sub-Ledger for Innovation
Launch new banking products on a programmable sub-ledger that plugs into your existing core. Skip the multi-year replacement.
Treasury Operations
Manage internal banking, intercompany settlements, and treasury cash flows with full audit trails and real-time reporting.
Lending & Credit
Disbursements, repayments, and interest accrual — handled.
Lending platforms juggle complex flows: loan disbursement, repayment schedules, interest accrual, late fees, and collections. Get all the accounting right out of the box.
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Example Products You Can Build
BNPL Platform
Installment plans, late fees, collections, credit decisioning, and full repayment tracking.
Loan Servicing
Disbursements, repayment schedules, interest accrual, late fees, and full borrower history.
Enterprise Finance Teams
Replace spreadsheets with programmable infrastructure.
Modernize treasury, intercompany accounting, and internal banking with a programmable ledger. Real-time visibility, automated reconciliation, and audit-ready reporting.
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Example Products You Can Build
Treasury Dashboard
Multi-entity, multi-currency cash visibility, intercompany flows, and consolidated reporting.
Intercompany Settlement
Track and settle balances between subsidiaries automatically with audit trails and FX support.
Loyalty & Rewards
Properly account for points liabilities and redemptions.
Loyalty programs are financial liabilities — they should live in a real ledger, not a spreadsheet. Issue points, manage budgets, track redemptions with full accounting integration.
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Example Products You Can Build
Closed-Loop Points
Issue, track, and redeem points across stores or channels with full liability accounting.
Gift Card Platform
Card issuance, balance tracking, redemption flows, breakage accounting, and fraud prevention.
Ready to launch your
financial product?
Stop wrestling with double-entry, holds, and reconciliation edge cases. Get in touch to see how Goldie Street can de-risk your roadmap.