Blog

On-Chain Confirmation Is Not Settlement

Why ‘available balance’ means something different on every rail

New Connectivity with Tink

Connect with banks across the UK and Europe

New Connectivity with Powens

Connect with banks across Europe

Transparency Is a Feature

Why Formance Is Open Source

Build or Buy a Core Ledger

A ledger isn't your product, but getting it wrong affects everything.

The Stablecoin Sandwich

How to Track a Payment Across Four Systems That Don’t Talk to Each Other

That Time a $400 Giveaway Became an $8M mistake

What the Bithumb Incident Reveals About the Need for Double-Entry Core Ledgers

Why Cross-Team Friction Persists in Financial Systems

And How to Fix It

When the Travel Rule Meets Stablecoins

What Compliance Really Looks Like in a Tokenized World

The Travel Rule

What Product Teams Need to Know When Money Starts Moving

The Fiat-to-Digital Asset Playbook

A Practical Guide to Solving the Settlement Gap Between Banks and Blockchains

The CeDeFi Ledger Playbook

A Practical Guide to Tracking CeDeFi Yield, Gas, and Slashing in a Core Ledger

Preparing for MiCA

The Time Has Come for MiCA Compliance

How Not to Build a Ledger

Part 2: Race Conditions, Throughput Cliffs, and the Hidden Risks of Financial Software

Why Formance Became DORA Compliant

Steps, Challenges, and Positive Outcomes

Ensuring Ledger Integrity

The Non-Negotiables Every NBFI Must Enforce

Introducing Assets Coloring

Solving Funds Lineage in Ledgers with Semi-Fungibility

Understanding Transaction Finality

Why “Payment Successful” Doesn’t Always Mean What You Think

The Hidden Timeline of a Card Transaction

Part 2: Why Bi-Temporality Matters

What is Numscript and Why is it Awesome?

A declarative financial transaction DSL for both engineering and finance teams

The Color of Money

Clément Salaün @ Fintech_Devcon 2025

The Hidden Timeline of a Card Transaction

Part 1: The Four Corners

Trust is a Feature, Not a Feeling

Governance Lessons from a $300 Trillion Misfire

Anticipating the Clarity Act

What Might Happen, and How Should Your Organization Prepare?

Regulating Digital Resilience in the EU

What Does DORA Mean for Financial Institutions and Their Vendors?

Anne-Sybille Pradelles on Scaling Open-Source Financial Infrastructure

Announcing Formance Ledger V2.3

You May Already be an NBFI. Here's Why that Matters.

Regulatory compliance is a competitive advantage

Breaking Down Stablecoin Regulations Under the GENIUS Act and MiCA

Learn how to prepare to meet new regulatory obligations headed your way.

Euro-Ingenuity vs. Dollar-Genius

A Tale of Two Stablecoin Regimes

Don Goodman: A Cognitive Theory of Community

Leveraging a little basic neuroscience to build stronger, healthier communities

Defining Double Entry

Let’s Get Formal

Clément Salaün: The Color of Money

Rethinking Fungibility in Digital Ledgers

Designing Commission Models

They’re More Complicated Than You Might Realize

Customer Story: Liberis

Achieving Perfect Reconciliation While Scaling Across 14 Countries⁠⁠

Structuring Invoices

How Not to Build a Ledger

Part 1: Accounting Basics for Engineers

Announcing Formance $21M Series A Funding Round

The Color of Money

Towards a New Data Model for Fintech, Part III

Funds Traceability in Digital Ledgers

Towards a New Data Model for Fintech, Part II

Warehousing Promises

Towards a New Data Model for Fintech, Part I

Debits and Credits

Understanding Classical Bookkeeping Semantics

Ledgering, All the Way Up

The Right Data Model for Every Financial Transaction

Announcing Formance Connectivity

Execution of Temporal Queries on Third-Party Data

Announcing Ledger V2

Core Ledgering on the Formance Platform

Announcing Formance Platform

Building an Extensible Financial Core System

How Getmomo Banking Platform Streamlines Its Rental Operations with Formance

How Newton Trading Platform Achieves Reliable Transaction Tracking with Formance

Fintech Society - Gérer des flux financiers complexes

How Shares Leverages Formance to Scale Its Investing Platform

Episode 168: Le Ledger qui aide FinTech et Plateformes à scaler leur back-end

Formance at Money20/20 2023, Europe’s Biggest Fintech Show

The OSS Startup Podcast - Episode 89: Building the Open Source Cloud with Formance

New AWS Region: South Africa

Sifted - In 2022, female founders raked in some of Europe’s most high-profile fintech rounds

Better Tech Podcast - Developing a winning strategy driven by e-payment innovations.

Sifted - Eight European startups tapped by Y Combinator to become the next big thing in fintech