Double-entry ledger core
Every movement is a journal entry with at least two legs. The debit=credit invariant is verified on every request; money is never created from nothing and never vanishes.
SEMS Sustainable Technologies
Money should flow like a message.
semsPay unites a multi-currency wallet, instant P2P transfers and payment links on top of a double-entry accounting core. The demo universe is deterministic: identical on every launch, every cent traceable.
Explainable risk engine
Velocity, amount, new-recipient and time-of-day signals are returned with their weights. A score of 60+ blocks the transfer — no black box.
Payment links
One-click collection: create a link, share it, and the payment posts to the ledger. Idempotency keys make double charges impossible.
Multi-currency wallet
TRY, USD and EUR wallets in a single view; net worth is computed instantly in the currency you choose.