Amazing work there. I have looked at your code and it is very nice.
Fun thing, I am currently building a similar ledger in clojure. The task is much harder then expected. My goals are very different then yours; I would like to implement a video game around a fictional financial system. Consequently, It is very important to me to implement the concept of "interest rates".
My solution is over engineered power 25. Nevertheless, you might be interested into it. It is based on datomic. https://gitlab.com/didiercrunch/skirmish/-/tree/master/src/c...