The ledger your money deserves

The open-source programmable ledger for fiat and digital assets. Model any flow of funds, track every cent in real time, and build on the immutable system of record trusted by regulators and auditors.

Start building Book a demo

_TRUSTED BY TEAMS MOVING MONEY/

_WHY FORMANCE/

The ledger you build on. The record you trust.

Build fast

A ledger built to design financial products, not just record them. Model flows in Numscript, ship in days.

See Numscript

Track every cent

One real-time source of truth across every rail, asset, and account. No more drift.

See Connectors

Trust your ledger

An immutable, hash-linked system of record that auditors and regulators accept.

Read the trust model

_BUILD VS BUY/

Why not build it yourself?

Every team that moves money rebuilds the same core, under deadline, rarely with the guarantees a bank would require. Here's what that costs, and what you get instead.

_BUILD IN-HOUSE/

01
Balances drift when writes aren't atomic.
02
Reconciliation scripts you babysit; internal records disagree with provider statements.
03
Every new PSP or bank is another bespoke integration.
04
Engineering, finance and ops all read different numbers.
05
Audits become fire drills; history is mutable and hard to prove.

_WITH FORMANCE/

01
Double-entry, atomic by construction: debits always equal credits.
02
Continuous reconciliation, drift surfaced instantly, with a full audit trail.
03
One normalized model across native connectors; add a provider without a rewrite.
04
One real-time source of truth everyone trusts.
05
Append-only, immutable log; SOC 2 Type II, ISO 27001, DORA-aligned.

Read our approach

_LEDGER/

Always balanced

A double-entry ledger built for engineers.

Model any money movement with Numscript. Every transaction is atomic, immutable, and reconciled by construction, so your books never drift, even at scale.

numscript

send [USD 100] (
  source = @world
  destination = {
    85% to @sellers:acme
    15% to @platform:fees
  }
)

_FLOWS/

Money, orchestrated

Payment workflows, declared as code.

Compose multi-step flows (splits, fees, holds, payouts) as durable, event-driven programs. Run them reliably across providers with retries and full auditability.

workflow

name: collect
stages:
  - send:
      destination:
        account: orders:1234
      amount:
        asset: USD/2
        amount: 599

_CONNECTIVITY/

Every rail, one model

One unified model across PSPs and banks.

Connect Stripe, Adyen, Wise and dozens of banks behind a single API. Normalize payments, balances, and payouts into one consistent data model your team can rely on.

STRIPE

ADYEN

WISE

model

_RECONCILIATION/

Catch drift instantly

Ledger vs Payments pool, side by side.

Compare your Ledger balances against your Payments pooling balances continuously. The moment a day drifts, the gap is surfaced, not discovered weeks later at close.

D-5D-4D-3D-2D-1D-0

ledgerexternaldrift

_SCHEMA BUILDER/

Author ledger schemas in YAML.

Your chart of accounts, modeled as code.

Write the chart of accounts and named transactions, validate as you type, then export to JSON or copy the API commands to bootstrap your ledger.

_VOICES/

Trusted by builders

“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.”

Embedded finance · Reconciliation across 14 countries

See customer story