Open Infrastructure For The Financial Internet
Formance is building open, programmable financial infrastructure.
Money should be a primitive engineers build with, not a black box they integrate around.
Formance gives engineering teams an open-source financial core: a programmable, double-entry ledger and the modules around it to move, track, and reconcile money. Our mission is to turn money movement into infrastructure you can read, test, and own, instead of a bespoke system each team rebuilds and quietly distrusts.
Every platform that moves money rebuilds the same core: a ledger for balances, connectors to banks and payment providers, reconciliation to keep them honest, and orchestration to tie it together. It's usually built under deadline, rarely with the guarantees a bank would require. Balances drift when writes aren't atomic, internal records disagree with provider statements, and each new payout or wallet flow becomes another place for money to get lost.
An open-source platform built around a programmable, double-entry ledger. It records atomic, multi-posting transactions modeled in Numscript, so balances stay consistent by construction. Around it, Connectivity standardizes access to providers like Stripe, Adyen, and Wise; Reconciliation matches internal records against external statements and flags drift; and Flows orchestrates multi-step money movement, from wallets and splits to escrow and payouts, with atomic guarantees.
Our test is simple: every number in production should be explainable from first principles. When it isn't, the infrastructure has failed. That's the problem we exist to remove.
Three offices across Europe and North America.
London, Paris, and New York anchor our engineering, product, and go-to-market teams. The map marks where we work—not a remote headcount chart. Each hub ships the same platform: programmable ledgers, payment flows, and reconciliation for production finance.
- Paris
- New York
- London
Founding team
Co-Founder, CEO
Anne-Sybille is a co-founder of Formance, where she currently oversees its go-to-market and operational functions. Her prior role was as COO at Alsid, a cybersecurity company, where she successfully led the company's growth from inception to acquisition within four years, expanding the team to over 120 employees and establishing a global operational footprint (US / EMEA / APAC).
Co-Founder, CTO
Clément is a co-founder of Formance, overseeing product and engineering. He previously led payments at Selency, where he designed and scaled systems, processes and teams that operated multi-millions worth of transactions in real-time. He co-founded Formance to share his expertise and empower innovative companies building the next generation of financial services.
Track Every Cent. Trust Every Flow.
See how teams build money-movement products on Formance's programmable financial infrastructure.