# The record

One ledger under every movement.

Every payment, payout, fee and decision lands in one record. Finance, operations and auditors read the same lines. This is the base the other pillars build on.

## Capabilities

- **Decision trace**: Every payment shows the rule that sent it where it went.
- **Fee lines**: Network, scheme and insimbi fees, itemized per transaction.
- **Reconciliation**: Each settlement row matched to the transactions behind it.
- **Exception queue**: Disputes, refunds and failed payouts in one list, each with its rule.
- **Search and export**: Find any record. Export it as a file, on request.
- **Audit log**: Who changed what, when, and what it touched.
- **Double-entry ledger**: Fiat, stablecoin and token balances in one set of books.
- **Data streaming**: Raw events, settlements and fees into your warehouse.

## Protocols and standards

Supports: ISO 20022, Double-entry accounting, CSV, Parquet and webhooks

## In a scenario

- [A marketplace paying sellers in dollars and stablecoins](/use-cases/marketplace-payouts/): Illustrative scenario.
- [An agent paying for API calls, one request at a time](/use-cases/agent-api-payments/): Illustrative scenario.
- [A procurement agent buying from suppliers](/use-cases/procurement-agent/): Illustrative scenario.
- [A retailer taking control of card costs](/use-cases/retailer-routing/): Illustrative scenario.
- [An insurer paying claims on the fastest sensible rail](/use-cases/insurer-claims/): Illustrative scenario.
- [A software platform billing people and agents](/use-cases/software-platform-billing/): Illustrative scenario.

Related: [Fee visibility](/product/pricing/) · [Data](/product/data/)