Hostra for enterprises
Enterprise payment teams rarely start from zero. They already have an ERP, a treasury process, existing providers and a finance function that has to explain every number. Hostra is designed to sit alongside those systems as the settlement and ledger layer, not to replace them.
Where Hostra fits
Hostra owns the part between "we decided to move money" and "the movement is final and accounted for": durable intents, execution on the chosen rail, final state and balanced postings. Your systems keep owning approval, procurement, treasury policy and reporting; they consume Hostra's events and read its ledger instead of re-implementing settlement logic.
Controls
- Scoped access: server keys with role-based scopes, so a reporting integration cannot initiate a payout.
- Idempotency: every change takes a UUID v4 Idempotency-Key, making retries safe across your middleware and queues.
- Reversal as a first-class operation with its own scope and ledger entries, instead of manual corrections.
- Tamper-evident audit hash-chain with a verification endpoint — useful when a reviewer asks whether history could have been edited.
- Structured errors (RFC 7807) and X-Request-ID correlation for incident response.
Processing at scale
The engine is built around failure: intents survive process restarts, exclusive leases with fencing tokens stop two workers executing the same instruction, and check-before-retry confirms with the provider before any repeat call. Timeouts, restarts and partial outages become delays rather than duplicate or missing money movements.
Rails and reconciliation
Card charge, card push (Visa Direct OCT) and on-chain stablecoin payouts are available today; ACH, SEPA, SWIFT and wire are on the roadmap. Whichever rail executes, reconciliation works the same way: derived balances, immutable entries and a provider or network reference on the settlement. See the ledger for the accounting model.
Position
Hostra is not a bank, a regulated financial institution or a licensed money transmitter, and holds no regulatory authorisation. Enterprises integrate Hostra as technology within their own regulatory and banking arrangements.