Example ledger management systems and methods are described. In one implementation, a financial management system receives a transfer request that identifies a source account and a destination account. The financial management system confirms that the source account is valid and confirms that the source account has a sufficient balance for the transfer request. Further, the financial management system issues instructions to debit the source account and credit a settlement account. If the source account is valid and has sufficient balance for the transfer request, instructions are sent to move funds from the settlement account to the destination account.