Hostra for fintechs
Fintech teams usually do not fail at the happy path — they fail at the middle of a transaction, at reconciliation and at the accounting story they have to tell afterwards. Hostra supplies the settlement engine, ledger and APIs so your team can spend its time on the product rather than on rebuilding exactly-once semantics.
What you build on top
- Embedded money movement: create a settlement intent from your product flow and let the engine own execution and terminal state.
- Ledger-backed balances: user or account balances derived from double-entry postings instead of a mutable counter in your own database.
- Card funding: tokenised card payments through Stripe, without your product touching a PAN.
- Stablecoin payouts: USDT and USDC on Tron, Ethereum, Polygon and BSC as an alternative disbursement rail.
- Event-driven UX: HMAC-signed webhooks drive your notifications and state changes rather than polling loops in the client.
Integration shape
The integration is REST described by OpenAPI 3.0. A typical money-movement path is: request a quote, create a transfer with a UUID v4 Idempotency-Key, then either poll the transfer or consume the webhook. Errors are RFC 7807 problem documents with a machine-readable type and a human-readable detail, and every request carries an X-Request-ID so a support conversation can be traced to a specific call. Machine-to-machine keys are merchant-scoped with RBAC scopes, so an integration only reaches the surface it needs.
Operational control
- Deterministic retries: query-before-retry and exclusive leases prevent a duplicated charge or payout.
- Terminal states you can act on: pending, in_flight, succeeded, failed, reversed — no ambiguous 'processing' limbo.
- Reversals through a dedicated settlement endpoint rather than ad-hoc compensating writes.
- A tamper-evident audit trail for support, dispute handling and internal review.
What Hostra does not do
Hostra is infrastructure. It is not a bank, not a regulated payment institution and not a licence provider. KYC/KYB/AML, wallet custody and card issuing are in development and not available today, so a fintech integrating now brings its own compliance and provider relationships for those areas.