What is Clarivo?
Clarivo is the high-performance lending ledger built for modern lending businesses. Every money-movement event — payments, disbursements, daily accruals, reversals — flows through a single, append-only double-entry ledger. All balance and history reads are served from the same source of truth.API quickstart
Authenticate and make your first API call in minutes.
Core capabilities
Payments
Record loan payments and post allocated journal entries via the waterfall engine.
Disbursements
Post loan disbursements with atomic double-entry journal entries.
Accruals
Run batched daily interest accruals across your entire loan portfolio.
Balances & Journal
Query real-time loan balances and full journal entry history.
Key design principles
Append-only
No mutation endpoints exist. Corrections are always reversals, preserving a complete audit trail.
Idempotent writes
Every POST requires an
Idempotency-Key. Safe to retry — same key and payload always returns the original result.Double-entry
Every posting produces balanced journal lines. The ledger is always in balance.
Tenant-isolated
Every request is scoped to a single tenant via JWT claims. Data never crosses tenant boundaries.
Explore the API
API Reference
Full reference for all HPTS endpoints — payments, disbursements, accruals, reversals, balances, journal, and reconciliation.