📘 Introduction to Ledger Apps in Toqio

Ledger Apps are specialised financial modules that can be integrated into Toqio’s UI and surfaced within the Merchant Portal, enabling businesses to deploy bespoke account-based solutions with embedded financial capabilities. Whether you're managing accounts, facilitating lending, tracking insurance policies, or enabling point-of-sale transactions, Ledger Apps provide the foundation for building configurable user experiences.

Ledger Apps are part of Toqio’s Financial Apps category, available via the App Marketplace within Toqio Design Studio. These apps enable businesses to:

• Offer account-based products powered by banking partners.
• Customise UI/UX and functional capabilities using low-code/no-code tools.

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Types of Ledger Apps

Toqio provides several Ledger App types to accelerate solution creation. Each type comes with pre-configured features that can be further customised:

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🔒 Fixed vs Customisable Features

In the context of Ledger Apps, a feature (or faculty) represents a functional capability that can be enabled or disabled per app instance. These faculties control specific behaviours and UI elements in the Merchant Portal—for example, whether a user can initiate payments, view available balance, or create new accounts.

Fixed Features

These are core capabilities built into each Ledger App type and cannot be modified:

Note: All Ledger Apps include essential logic to support financial record-keeping and integration with partner banking providers. While these features are non-editable, they work in tandem with customisable faculties to provide a fully tailored experience.

Customisable Features (via Faculties)

These features can be toggled on or off via the Toqio Design Studio Configuration UI(coming soon) or the Toqio Public API:

• can_show_transaction_details
• can_show_available_balance
• can_show_dynamic_balance
• allow_account_creation
• allow_account_cancellation
• can_download_account_statement

Default Enabled Faculties by App Type

You can read more about how to set up customisable features using custom faculties with our Public API here.

Customising a Ledger App

Toqio's Ledger Apps can be customised in three primary ways:

1. No-code configuration via TDS – Customise app behaviour using the Toqio Design Studio UI. This includes configuring products, setting custom app titles, and defining button labels visible in the Merchant Portal.

2. Advanced Customisation via Public API – Unlock deeper functional adjustments such as:

   • Configuring customisable features via faculties as outlined above
   • Configuring a Dynamic Button to launch custom Workflows App from the account view or transaction view
   • Customising copy and labels via API to configure custom texts for the app

3. Embedding custom Workflow Apps – Extend or fully replace default journeys such as account creation or payment initiation by installing your own Workflow Apps. These can be linked into the Ledger App interface via TDS UI as an option provided during "My Apps" installation flow.

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Installation Process Overview and no-code configuration

Ledger Apps are installed via the App Marketplace in TDS and consist of two main steps:

1. Configuration

• Configure which Solution the app will be installed into
• Set up custom app title and "Create account" button label if applicable

2. Product Setup

Each product within a Ledger App must be mapped to a specific partner product from your banking provider integration.

• Multi-product Support: Add and manage multiple products from different providers.
• Custom Labels and Images: Assign name, description and icon for each product.
• Visibility: Enable or disable visibility of specific products for end-users.
• Multi-currency: If a partner product supports multiple currencies, the Ledger App product will automatically inherit that configuration.

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Each Ledger App product must map to a single partner product. This ensures consistent behaviour for account provisioning, transactions and balance reporting.

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Advanced Customisation via Public API

Dynamic Action Button

You can configure a button to appear on:

• Transaction details
• Account view

This button can:

• Be named via API
• Launch a linked Workflow App (via marketplaceKey)

Read more:

Configure Dynamic Account Button

Dynamic Button for Transactions

Dynamic Balance View (Coming soon)

• Replace the static balance with custom-labelled fields
• Fields can include custom title, value, currency, and tooltip.
• Supports up to 2 custom balance boxes per account view.

Current Balance Field Customisation

• Configure the title and tooltip of the “Current Balance” field.
• Tooltips are shown only on web platforms.

Read more:

Configure Custom Texts for Ledger Apps

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🔑 Marketplace Key

Each Ledger App installation generates a unique marketplaceKey. This is essential for:

• API configuration
• Workflow App linking
• Tracking installed app instances

You can find the key in the app’s URL or in the installed app details in TDS.