The Programmable Finance Platform
Build sophisticated financial applications as fast as you can code them.
Formance is developer-friendly, modular infrastructure for building and operating sophisticated financial applications of any variety. At its core is a multi-currency ledger that can work with digital assets and fiat currencies at the same time. Formance integrates with payment providers and legacy banking systems, offers built-in reconciliation, and supports regulatory compliance. Move from concept to production with confidence and control.
Trusted by leading companies to build and operate their financial applications.
Build with Speed and Confidence
Orchestrate Money Movements
The financial world is a maze of systems, partners, and regulations that rarely speak the same language, and all too often move far slower than you need. You need financial infrastructure that can cut through the layers of complexity, that simplifies building complex flows of funds. Formance lets you move money between payment providers, digital assets, and legacy banking with total reliability.
Your System of Record
Users, balances, funds in flight, uncleared payments, currency conversions. You need to keep track of so many moving parts, and you need clear, fine-grained insight into the current state of your product’s flows. Formance gives you an immutable, resilient core ledger with automatic reconciliation, full auditability, and custom reporting so you can track every cent.
Operate With Confidence
Operating a sophisticated financial application requires insight into all the moving parts, with total control. Formance cuts through that complexity with granular access management, programmable approval flows, automatic reconciliation, and full compliance support. With a unified ledger and seamless orchestration across providers and assets, you gain visibility and confidence in every flow.
Bridge Digital Assets and Fiat
Today’s products are hybrid by default: Bank accounts here, custodians there, tokens across chains, liquidity on exchanges, hot/cold storage. And regulators are watching. You need to model flows that span all of these and more. Off-the-shelf banking stacks weren’t built for this level of sophistication. Formance bridges these worlds seamlessly with its support for per-account multi-currency balances.
Finance and Engineering Working Together
Formance unites engineering, product, finance, and tech leadership around one shared goal: Building sophisticated financial applications that actually ship. Engineers get flexible, production-grade tools. Product teams move fast without friction. Financial operations gain clarity and compliance from day one. CTOs trust the scalability and reliability behind it all. Formance ensures alignment so every team moves together with confidence.
Tech Leadership
Formance gets engineering leaders building sophisticated financial applications without gambling on compliance risks or resource-intensive internal projects. Our developer-first platform scales to handle transaction volumes on par with the world’s largest payment networks, while giving you full control to build your vision.
Don’t Take Our Word For It
_Customer Challenge
Lending requires flawless reconciliation across complex payment flows, high transaction volume, and multiple countries.
_Formance Solution
Formance enabled us to ship new lending products faster by providing a customizable foundation that let us reliably express the complexities of our flow of funds and domain specifics.
_Customer Challenge
Integrate patient payments into their existing offering, to gain greater insight into money flows and invoicing at scale.
_Formance Solution
Formance is the foundation of our Financial OS, that enables us to build new financial products for practitioners using Doctolib ERP. This would not have been possible without the Open-Source approach, which enables us to retain control and ownership over this key component.
_Customer Challenge
Achieving engineering velocity while rearchitecting how Payflip manages money and budgets in their backend.
_Formance Solution
Formance helped us kick-off our step into fintech, with their robust infrastructure and intuitive developer tooling. Every step down the line they were there as a companion ideating with us.
Building Blocks for Bespoke Financial Products
The Formance Platform is a suite of financial primitives built on a unified data layer,
encapsulating the intelligence and business logic of even the most complex financial transactions in one place.
Record your money flows in an immutable ledger
Record money movements in real time in a programmable financial ledger built for scalable asset tracking.
Enterprise-Grade Security
Your core financial infrastructure requires security.
We keep your infrastructure safe & reliable.
SOC 2 Type II Certified
We obtained SOC 2 Type II certification and we are constantly working on our compliance.
ISO 27001 Certified
We are certified by Johanson group, affirming our commitment to the highest standards of security.
Self-Hosted
Host your financial backend using the hosting provider of your choice.
Open Source
Source code with lifetime access, offering transparency along with a community support.
Standard Authentication Protocols
Enhanced security and integration with seamless authentication with OAuth, JWT, OIDC.
Penetration Testing
Third-party security firms undertake regular penetration tests on every product we build.