Loading the kernel surface…
Loading the kernel surface…
Modern finance needs a new core
Build wealth apps, payment flows and AI agents on a real time, multi currency and digital asset core ledger that stays balanced, tamper evident and audit ready.
Infrastructure principles
Modern finance is too fast for “eventual consistency”. Onwinds rejects bad data before it ever touches your books.
Zero batch operations
Interest, fees and settlements happen in real time. Your users see their true balance instantly, not “tomorrow morning”.
Compliance guardrails
KYC, limit and fraud checks run before any posting commits. If a transaction breaks a rule, it is rejected instantly with a clear, machine‑readable explanation.
Time‑travel reporting
Need to know the world exactly as it was last Tuesday at 09:04? Replay regenerates balances and statements bit for bit for any moment.
Built for AI agents
AI agents can propose actions, but Onwinds enforces strict schemas, limits and funds checks so hallucinations never become financial errors.
The product
Onwinds is a managed core ledger that behaves like modern infrastructure. Every change starts with a Signed Intent. The kernel validates the signature, applies your policy rules, commits balanced postings, and binds the evidence—all in one atomic pass. No side writes, no later fix-ups.
You get one real-time, multi-currency, digital asset native ledger that can sit at the centre of banks, platforms and new finance apps.
Designed from first principles
Simple rules, applied consistently, give you a financial backbone that behaves like reliable infrastructure for hyper personalised, agent-driven finance.
Lifecycle clarity
Onwinds enforces a single direction of travel for financial data.
Step 1. Request
A user, service or AI agent sends a signed transaction request to a single endpoint, stating who is acting, what they want to do and which data snapshot they rely on.
AI and customer futures
Hyper-personalized finance needs the freedom to tailor journeys in real-time and the discipline to prove every outcome. Agents call the same core ledger as your apps, requests are schema-exact, and evidence bundles keep AI reasoning and human approvals side-by-side.
One ledger across instruments
Stop building separate ledgers for separate assets. Onwinds handles the math at the foundation: high-precision decimals, explicit FX snapshots, and unified quantity models for both fiat currency and digital assets.
Proof first by design
In a world of agents, "the dashboard says so" is not enough. Events are linked in a cryptographic chain so tampering is visible. Evidence bundles are write-once. You don't just see the balance; you can cryptographically prove how it came to be.
Who it is for
Onwinds is for organisations that want to give customers instant, personalised experiences on top of a core ledger auditors trust by default.
Modernize your system of record without a big-bang migration. Run new AI-driven products on a core you can explain to regulators, then migrate legacy books product-by-product.
Ship features, not accounting fixes. Build cards, wallets, and lending flows on a kernel built for APIs and streaming, not a home-grown ledger buried inside a monolith.
Use Onwinds as the finance foundation for funds. Run capital calls, distributions, fee flows on one core ledger instead of spreadsheets and custom tools. You get one record you can share with limited partners and regulators.
Get started
Give your users and agents a real-time, multi-asset ledger where balances update instantly and evidence never goes missing. Launch new products without batch jobs and pass audits with confidence.