Ledgers

🔰 What Is the Ledgers Sub-Module?

Think of a Ledger as a real digital bank account that HelloMe Money gives to a customer (called a remitter).

When someone is approved, HelloMe creates a special account just for them, with:

✅ An Account Number (just like your normal bank).
✅ An IBAN (International Bank Account Number for sending money abroad).
✅ A Currency (like GBP or EUR).
✅ A Provider (like Tribe — they help HelloMe run this account).
✅ Compliance Info (rules to keep it safe and legal).

This is what makes HelloMe work like a real bank in the background

Admins can quickly find any ledger by using filters like:

Provider (e.g., Tribe)
Remitter Name or ID
Account Number or IBAN
Currency (GBP, EUR, etc.)
Status (Active, Closed, In Review)

🗂️ Ledger Table: What You See

When admins open the Ledgers page, they see a list of all these bank accounts.

Field	What It Means
Date	When the account was created or last updated.
Remitter Name	The name of the customer who owns the account.
Account #	The unique virtual account number.
IBAN	The international format of the account number.
Currency	The currency this account uses (e.g., GBP).
Provider	The company that helps HelloMe run this account (e.g., Tribe).
IBAN Status	Shows if the account is Active, Pending, or Blocked.
Action	Admins can View, Edit, or Manage the account.

✏️ How to Edit a Ledger

When you click Edit, you open a form.
Admins use this form to fix or update a customer’s account details if needed.

Reasons to edit:

✅ Fix wrong information.
✅ Update a customer’s address or phone.
✅ Make sure all details match KYC/AML rules.
✅ Correct mistakes from the onboarding system.

🧾 Remitter Identity Fields (Editable)

Field	What It Means
First Name / Last Name	The customer’s real name.
Address, City, State, Postcode	Where they live — needed for verification.
Phone Number	The phone number linked to the account.
Country	The country the customer lives in.
Pin Code	Admin security field to confirm the update is safe.

🏦 Example Balances

When User Clicks on View on the Hompegage, it takes user to the Ledger Detail Page

✅ What is the Ledger Detail Page ?

The Ledger Detail Page is the full snapshot of a digital bank account. Admins use this to:

View complete ledger balances.
Cross-check compliance information.
Confirm account banking details (IBAN, BIC, Swift).
Investigate issues or match data with external providers (e.g., Tribe).

It’s a single source of truth for that customer’s virtual account inside HelloMe.

In the detail view you might see something like:

Total Balance: 0.009434232
Reserved Balance: 0
Available Balance: 0.009434232

Meaning: All funds are fully available — nothing is locked or on hold.

From the Ledger Detail Page, Admins may:

View related API logs for ledger updates.

✅ Summary

The Ledger Detail Page gives Admins a full, transparent view of any customer’s digital banking account inside HelloMe Money — showing balances, identity details, banking references, and provider integrations — all in one place.

This makes it easy to manage, verify, and support real digital banking operations securely and compliantly.

🗂️ Fields Shown on the Ledger Detail Page

Field	Description
Total Balance	The total funds in the ledger account.
Reserved Balance	Any funds that are currently held/reserved (not spendable).
Available Balance	Total Balance minus Reserved Balance — this is the spendable balance.
Date	Date of ledger creation or last update.
Ledger Type	Type of ledger (Personal or Business).
Remitter	Linked customer or business name + ID (e.g., `1434 / David Baker`).
Account #	System-generated virtual account number.
IBAN	The International Bank Account Number assigned to the ledger.
Country Iso Code	The country code where the account is registered (e.g., `EUR`).
Currency Iso Code	The currency of the ledger (e.g., `EUR: Euro`).
Sort/BIC/SWIFT	Bank codes for international transactions (e.g., `MOODWGB22XXX`).
Ledger ID	Unique ID for this ledger in the system.
Address	Address linked to the remitter’s account (e.g., `London 2nd Floor...`).
State/Province	Region info (e.g., `London`).
Postcode	Postcode for the address (e.g., `E14 9RE`).
Mobile Phone	Remitter’s registered mobile phone number.
Company Name	If it’s a business ledger, shows the company name (can be blank if N/A).
Inbound/Outbound Enabled	Indicates if deposits (inbound) and withdrawals (outbound) are allowed.
Bank Name	The actual name of the bank (optional; may show `--` if not provided).
Bank Address	Address of the bank (optional; may show `--` if not provided).
Ledger Status	Status of the ledger account (e.g., Active, Pending, Blocked).
Is Primary	Shows if this is the primary ledger for the remitter (Yes/No).
Provider	Third-party provider powering the ledger (e.g., `tribe`).
Branch Code	Bank branch code (if applicable).
Ledger Primary Use Types	Describes the main use of the ledger (optional; may be blank).
Status	Current operational status of the ledger.
Holder/Partner ID	Internal ID linking to external partner or account holder.
Partner Reference	Reference number to the partner system.

🔰 What does the view Api logs button does ? If fact, what are API Logs ?

The API Logs section provides a detailed history of communication between HelloMe Money and its external service providers (e.g., Tribe).
These logs are essential for tracking how updates (such as ledger or account changes) are sent or received.

Admins and developers use this to:

✅ Troubleshoot account or sync issues
✅ Verify successful data exchange
✅ Confirm account status updates
✅ Check for duplicate or failed API calls

🗂️ Log Table Overview

When you click "View API Logs" for a ledger, you will see the following table:

Field	Description
Date	Timestamp of when the API request/response occurred
Request	Type of API call (e.g., `callbackUpdateLedger`)
Response	JSON response payload with ledger/account data
Client	API source or repeated content (varies by implementation)

🧩 Example API Log Entry (Decoded)

{
  "currency_code": "GBP",
  "iban": "GB34CLRB04047300154174",
  "iban_id": 180648352278757916,
  "key": "eb5910c8d31d86ec",
  "status_id": 5,
  "ts": 1725626937,
  "sign
}

| Field          | Meaning                                                                 |
|----------------|-------------------------------------------------------------------------|
| `currency_code`| The currency linked to the ledger/account — e.g., GBP                   |
| `iban`         | The IBAN (International Bank Account Number) being updated              |
| `iban_id`      | System-generated ID representing this IBAN                              |
| `key`          | API key used for verifying the source of the update                     |
| `status_id`    | Numeric ID showing current status of the ledger (e.g., Active = 5)      |
| `ts`           | UNIX timestamp of when the update occurred                              |
| `sign`         | Digital signature for verifying request authenticity                    |

🔰 What Is the Ledgers Sub-Module?​

🔍 Search Filters​

🗂️ Ledger Table: What You See​

✏️ How to Edit a Ledger​

🧾 Remitter Identity Fields (Editable)​

🏦 Example Balances​

✅ What is the Ledger Detail Page ?​

🔗 Related Actions​

✅ Summary​

🗂️ Fields Shown on the Ledger Detail Page​

🔰 What does the view Api logs button does ? If fact, what are API Logs ?​

🗂️ Log Table Overview​

🧩 Example API Log Entry (Decoded)​