Ledger//ZERO is a settlement layer for teams who got tired of invoices. Every payment is a state transition, every state transition is auditable, and nobody needs to be a bank to be a bank.
Balances are state, not a report. There is no ledger to reconcile at the end of the month because there is no separate ledger.
You do not need a name, an email or a KYC form to receive money. You need an address, and most people have one of those.
Every event is a signed, ordered log. Anyone can replay the history and arrive at the same balances we do.
One block. One confirmation. No reorganisations, no mempool drama.
Cheap enough that nobody builds a business model on optimising it.
Mostly payroll, mostly small, mostly boring — which is the point.
Client, node and contract. Fork it if the governance is wrong.