Embedded Accounting for Fintechs: The Complete Guide for 2025
How leading fintechs deploy compliant accounting tools 10x faster - without building from scratch.
Embedded accounting is transforming fintech - 67% of SEA platforms now integrate rather than build financial ops tools (2025 Fintech Benchmark Report).
NewLedger powers this shift with:
✔ White-label accounting modules (UI + backend)
✔ Regulatory-ready infrastructure (MAS, BSP, BI)
✔ Flexible deployment - cloud, hybrid, or on-prem
Why Fintechs Embed Accounting Tools (Instead of Building)
1. Speed to Market Matters
- Launch accounting features in 3 weeks vs 6+ months DIY
- Example: Singapore neobank accelerated SME onboarding by 40%
2. Compliance Can't Be an Afterthought
- Prebuilt for MAS TRM, BSP 1089 requirements
- Automated audit trails with user-level tracking
3. SMEs Demand Professional Tools
- 72% of business users expect real-time financial reports
- White-label branding builds trust
NewLedger vs Building In-House
| DIY Build | NewLedger | |
|---|---|---|
| Time to Launch | 6–12 months | 2–4 weeks |
| Compliance | Risky gaps | Audit-ready |
| SME Features | Basic | Invoices + Reports + GST |
| Hosting Security | Your responsibility | GCP / AWS / Private Cloud |
NewLedger: Accounting Infrastructure for Fintechs
We're the Stripe for financial back-office - a fully managed or self-hostable API that delivers:
Core Features
- White-label invoicing (PDF/email via API)
- Double-entry ledger with multi-currency support
- Real-time financial reports (P&L, balance sheets)
Built for Compliance
- Immutable audit logs (MAS TRM-aligned)
- GST/VAT-ready with tax code automation
- Enterprise security:
- Hosted on SOC 2-certified Google Cloud (or your cloud)
- Data encrypted at rest (AES-256) and in transit (TLS 1.3+)
- Annual third-party penetration tests
Fast Integration
- Prebuilt Vue components for accounting UIs
- Webhooks for transaction syncing
- Docs with Postman collections
Case Study: A Singapore SME neobank launched NewLedger's invoicing module in 3 weeks, accelerating their enterprise sales pipeline.
Measurable Results
For a typical fintech client:
- 83% faster compliance approvals
- 29% higher SME activation rates
- 3.2x ROI within first year
NewLedger can run fully managed by us - or be deployed inside your cloud (AWS, GCP, private). We support fintech partners across Singapore, Indonesia, the Philippines, and beyond.