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FRAGMENT

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FRAGMENT is a developer platform that combines a double-entry accounting ledger, a payments API, and reconciliation tooling so software agents and engineers can move money and keep balances correct.

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Snapshot

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What it does
  • FRAGMENT is a developer platform that combines a double-entry accounting ledger, a payments API, and reconciliation tooling so software agents and engineers can move money and keep balances correct.
More detail
  • Its official positioning is a financial system for agents: programmable money that bills, pays, and accounts for itself.
  • Offerings are Ledgers, Payments, and Recon, delivered primarily as an API with generated typesafe SDKs and an MCP server.
Best for
  • Engineering and product teams that need double-entry ledger correctness plus card and ACH money movement in one API, including agent builders that want payments and accounting constrained by enforced entry conditions.
Pricing
  • Published rates: a free tier of 1,000 ledger entries per month with sandbox payments
More detail
  • $0.005 per ledger entry
  • cards at 2.9% + 40¢, plus 1.5% for international cards and 1% for currency conversion
  • next-day ACH at $0.50 and same-day ACH at $2.00.
  • RTP, domestic wire, and checks are listed as soon wit
Main limitation
  • Teams wanting a no-code admin product, and anyone who needs domestic wires, real-time payments, or checks today, since those rails are listed as coming soon.
Record
Living and monitored
Reviewed
Evidence
Public web research

About

  • FRAGMENT is a developer platform that combines a double-entry accounting ledger, a payments API, and reconciliation tooling so software agents and engineers can move money and keep balances correct.
  • Its official positioning is a financial system for agents: programmable money that bills, pays, and accounts for itself.
  • Offerings are Ledgers, Payments, and Recon, delivered primarily as an API with generated typesafe SDKs and an MCP server.

What it helps with

Capabilities

A practical view of what is available and where limitations apply.

OfferingAvailableDetail
Double-entry ledger with configurable schemas YesModel funds flows as schemas and generate typesafe SDKs so code and config do not drift.
Payments API and Payment Accounts YescreatePayment and accounts that hold balances for the business or its customers.
Card and ACH rails YesCards at 2.9% + 40¢; next-day ACH $0.50, same-day ACH $2.00.
RTP, domestic wire, and checks NoListed as soon on the official pricing page; not available and no price published.
Reconciliation YesIngests bank, processor, remittance, and invoice files and turns them into financial objects.
MCP server for agents YesLets agents read and write payments through MCP; shipped per the official changelog.
Entry conditions and authorization YesTransactions are authorized at the ledger layer against defined conditions.
Multi-currency and custom currencies YesMulti-currency accounts and custom currency support listed among ledger features.
Compliance certifications YesSOC 2 Type II and HIPAA compliant per the official security page.
No-code admin interface UnknownNot documented on the official pages reviewed; the product is API-first.

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Last reviewed
Primary source
fragment.dev
Technical profile details
Record ID1ab328e8-aedd-4eef-82ab-8bcf1e47fc45Canonical URLhttps://profiles.scribble.network/listing/fragment-1ab328