Fragment

Judgement

What it is

Building block

What it does

A hosted ledger API with a schema language for modelling accounts and entries, now pitched as financial infrastructure for AI agents.

Adopt it when

A product team wants to define its ledger as code and query balances through GraphQL instead of building a ledger.

Watch out

It is a young startup, so weigh vendor longevity before trusting it with your books.

Ready for

Usable

Runs as

Cloud service

Built with

GraphQL

What the license allows

Closed source: you use it under the maker's terms and cannot change or resell the code.

Judged on 2026-11-03 from the maker's description and Wikipedia. The license and age lines are worked out directly.

Open-source alternatives to Fragment

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Other commercial double-entry ledger engines

1. 1
   Modern Treasury Ledgers Modern Treasury

   Track every transaction in real-time with double-entry accounting. Built for teams that need perfect accuracy and auditability.

   Building block Production-ready A fintech or platform team needs an auditable ledger for customer balances and does not want to build one.

   Commercial

Under it

Every program, Fragment included, runs on a microchip.

How compilers were built, back to punched paper tape