Review the Ledger Overview and Ledger Principles guides at docs.lithic.com/docs/ledger-overview and docs.lithic.com/docs/ledger-principles to understand the double-entry model and financial account structure.
Create financial accounts for program and cardholder ledger positions using the Financial Accounts endpoints; each financial account has a balance composed of pending_credits, pending_debits, settled_credits, and settled_debits.
Review financial transactions via the Financial Transactions endpoint (docs.lithic.com/docs/financial-transactions) to audit the journal entries generated by card authorizations, settlements, and adjustments.
For fee accruals or interest entries, use the Book Transfers endpoint (docs.lithic.com/docs/book-transfers) to move balances between financial accounts within your program's ledger.
Monitor financial account lifecycle states documented at docs.lithic.com/docs/financial-account-status-lifecycle to handle account transitions (e.g., from OPEN to CLOSED) in your reconciliation logic.
Retrieve granular balance breakdowns per financial account using the Balances endpoint to reconcile pending versus settled positions during end-of-day processing.
Known gotchas
Lithic amounts are integers in the smallest currency unit (e.g., cents for USD); a field value of 100 represents $1.00 — apply this conversion consistently in all ledger calculations.
Financial transactions are generated automatically by Lithic for card activity; Book Transfers are the mechanism for manually-initiated ledger movements such as fee postings or interest credits.
The pending balance includes authorized but not yet settled transactions; do not present the settled balance alone as available-to-spend in products that need real-time balance accuracy.
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