The Programmable Finance Platform

Build financial applications that bridge digital assets and fiat currency.

Formance is developer-friendly, modular infrastructure for building and operating sophisticated financial products. At its core is a multi-currency ledger that seamlessly bridges digital assets and fiat currencies. 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.

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Trusted by leading companies to build and operate their financial backend

_Customer Challenge

Streamline the payment of deposits and rent from tenants to property managers.

_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.

See customer story
_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.

_Platform

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.

_SDKs

We speak your language

You don’t have to reinvent your stack to have a solid financial core. We’re compatible with your favorite languages and frameworks.

Discover SDK
import { Formance } from "@formance/formance-sdk";
import { CreateWorkflowResponse } from "@formance/formance-sdk/dist/sdk/models/operations";
import { ErrorErrorCode } from "@formance/formance-sdk/dist/sdk/models/shared";
 
const sdk = new Formance({
  security: {
    authorization: "Bearer YOUR_ACCESS_TOKEN_HERE",
  },
});
 
sdk.flows.createWorkflow({
  name: "Lela Orn",
  stages: [
    {
      "corporis": "explicabo",
    },
  ],
}).then((res: CreateWorkflowResponse) => {
  if (res.statusCode == 200) {
    // handle response
  }
});
_SECURITY

Enterprise-Grade Security

Your core financial infrastructure requires security.
We keep your infrastructure safe & reliable.

See our Trust Center

  • 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.

Start building today

Request a demo, or dive into the docs

Request a demoRead the docs