Settlement & ledger recording
Confirms each settlement and records the gross amount, every fee, the net disbursed and its rail reference. Every entry is signed and linked to the one before it.
What we do
One financial record with clear roles.A shared, immutable ledger for every healthcare dollar, from authorization to settlement.
The missing layer
Authorization, payment and reconciliation have never shared a record. Now they do.
Today every party keeps its own books: the TPA, the employer, the provider, the bank. When the numbers disagree, nobody can prove whose are right. ChicLedger sits between authorization and settlement and writes one record that every side can read and no one can quietly change.
ChicLedger is infrastructure, not an intermediary. We don't adjudicate claims, we don't decide who gets paid, and we never hold the money. The TPA stays in control; ChicLedger makes what happened provable.
Why it matters
“An immutable record employers can verify independently, without asking the TPA to be trusted on faith.”
Clarity across the full payment lifecycle.
How it works
Clarity across the full payment lifecycle.
1. Onboarding
The TPA or DPC connects once. Plans, employers and provider relationships are mapped onto the ledger, so there's nothing to rebuild for each new client.
2. Permissions
Every party gets role-based access. Employers, TPAs and providers each see only their own data from the same shared record.
3. Settlement
Once the TPA authorizes a claim, ChicLedger records it and sends payment instructions over modern payment rails. Funds move between the parties' own accounts, never through ChicLedger.
4. Reconciliation
Every authorization and payment is matched on the ledger in real time, with audit-ready reporting for all sides and no month-end guesswork.
- TPA retains controlAdjudication and payment authorization stay with the TPA, always.
- No custodyChicLedger never holds or moves client funds directly.
- Permissioned accessEach party sees only its own data: employer, TPA or provider.
- Immutable by designEntries are append-only. Corrections are recorded as new entries, so the history is always complete.
- Independently verifiableEmployers can check the record themselves instead of relying on a report someone else prepared.
The platform
The system your team works in.
Underneath it is a record of every dollar that cannot be altered by anyone, including us.
Employer funding visibility
Shows the plan's funding balance exactly as the employer's bank reports it, beside every payment made from it. Read-only: ChicLedger never holds or moves those funds.
Real-time transparency
Dashboards for employers, providers and the TPA: funds held, payments made, fee breakdowns and timing. Full audit export on demand.
Client & plan onboarding
Employer profiles, plans, effective dates and headcounts in one place, so a TPA can grow its book without growing headcount. Member data stays in the TPA's own systems.
Credentialing & access control
Each counterparty is verified before it can see data or move money, and role-based access limits every party to its own records.
Compliance & reporting
Structured reporting for finance teams and regulatory review, mapped to the CAA fee-disclosure obligations TPAs meet by hand today.
Architecture
Built in layers, on a record nobody can rewrite.
Every screen your team and your clients use sits on one immutable ledger. A relationship graph beneath it decides who sees what, and under whose brand.
- Tamper-evident by designRecords are never modified after they're written. Each status change is cryptographically signed and chained to the last, so the full history can be independently verified.
- Your brand, not oursEmployer and provider consoles can be white-labelled under the TPA's brand, so the transparency reads as your value-add to your clients.
OperationsOnboarding · Settlement · Compliance pack
Client-facingEmployer console · Provider view, under the TPA's brand
ProofTransparency & audit · Funding visibility
RecordImmutable ledger
RelationshipWho sees what, under whose brand
Always outside ChicLedger: Claims adjudicationCustody of fundsPHI
Commercial model
Recurring value on the relationship. Faster payment on the flow.
The ChicLedger platform
PEPM
A simple per-employee, per-month subscription paid by the TPA or DPC for the platform layer. It is designed to pay for itself in operational savings before counting the value of faster growth and new client revenue.
ChicLedger Assurance
Faster settlement
An optional service for hospitals and providers. Research shows 81% of healthcare organizations receive virtual credit card payments, and 64% accept them to accelerate collections despite fees of 2.5–5%. ChicLedger Assurance delivers faster settlement, reconciliation and audit-ready data for a fraction of that cost.
Employers pay nothing directly. TPAs and DPCs pay for the platform. Standard settlements reach hospitals at 100% of face value; a fee applies only if a hospital chooses ChicLedger Assurance.
See ChicLedger on your own claims flow
We'll map your authorization-to-settlement process and show where the ledger fits.