Open Source
Financial Core

Build bespoke flows of funds using the partners of your choice on the Formance agnostic infrastructure.

Trusted by leading companies to build and operate their financial backend

Current limitations to growth

Is your product limited by a legacy financial infrastructure?

  • Product & Payments

    Feeling limited by your current financial stack?

    Are you facing rigidity in your current stack and providers that prevent building custom flow of funds and features? What if you were provided a toolkit that empowers you to develop limitless use cases tailored to your specific business context?

  • Engineering

    Struggling with siloed & legacy in-house system?

    In-house development and custom integrations of additional financial partners are highly time and resource-consuming. Picture a world featuring a unified data layer and an agnostic financial infrastructure, enabling you to effortlessly scale, free from performance hurdles.

  • Revenue

    Missing strategic product opportunities?

    You may be leaving money on the table due to underused financial products and an inefficient infrastructure. Unlock additional revenue streams and improve unit economics through new financial features, supported by the partners of your choice.

PLATFORM

Modular, Extensible
Financial Backend

Start owning your financial business logic by using
Formance agnostic infrastructure and connect with the
financial partners of your choice.

  • Ownership & control

    With Open Source core components and
    multiple hosting options available.

  • 100% agnostic

    Abstraction layer that can be plugged
    with any type of financial providers.

  • Fully programmable

    For engineering and payments teams. No limitation tied to your vendor’s roadmap.

Testimonials

Handling money movements at scale is challenging. When you deal with money, Formance is an absolute no-brainer.

François Ruty, CTO at Shares

Anyone can offer performance and reliability, but no one else can offer the level of trust that Formance does.

Shaun Martin, Director of Engineering at Newton

Formance brings the flexibility we need in our payment system to scale our ride-hailing and delivery platform.

Josef Puchinger, CTO at Angkas
Modules

Modular & Agnostic Primitives

The Formance Platform is a suite of financial primitives built on a unified data layer,
encapsulating the intelligence and business logic of financial transactions in one place.

Record your money flows
in database

Record real-time money movements on a programmable financial ledger built for scalable asset tracking.

Unlimited sub-ledgers

Scale horizontally with unlimited sub-ledgers. Choose your sharding strategy from one unique ledger to a ledger per user.

Ledger as a Foundation

The ledger is a low-level accounting tool, on which a lot of other services can be built. Wallets services, Reconciliation services and counting.

Connectors

Extensive Connectivity

Connect your Formance Platform to the financial provider or payment processor of your choice.
Use one of the connectors available or create your own

extensive-connectivity
Customers

The love working with us

Anyone can offer performance and reliability, but no one else can offer the level of trust that Formance does.

Shaun Martin, Director of Engineering at Newton

See customer story

Formance is like our accounting Swiss Army knife. They provide us with flexible foundational tools for ledgering and payment initiation.

Sonny Piers, CTO at getmomo

See customer story

Handling money movements at scale is challenging. When you deal with money, Formance is an absolute no-brainer.

François Ruty, CTO at Shares

See customer story

Formance brings the flexibility we need in our payment system to scale our ride-hailing and delivery platform.

Josef Puchinger, CTO at Angkas

Security

Enterprise-Grade Security

Your core financial infrastructure requires security.
We make sure to 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.

  • Cloud or Self-Hosted

    Use our Cloud or 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

Drop us a note, or start your free cloud sandbox.