Clément Salaün: The Color of Money
Rethinking fungibility in digital ledgers
Formance's co-founder and CTO, Clément Salaün, will be presenting at fintech_devcon, in Denver CO, 4–6 August 2025. In this talk, Clém explores the concept of Color of Money: a financial data design pattern that can and should be used to answer fine-grained questions about the specific relationships between assets, liabilities, and their interconnections.
June 6, 2025
We’re excited to share that our co-founder and CTO, Clément Salaün, will be presenting at fintech_devcon, in Denver CO, 4–6 August 2025.
Fintechs should see themselves as being in the business of warehousing promises from partner financial institutions to their end users, rather than forging their own. Although we often think of funds in digital ledger systems as fungible, promises are not. Assuming fungibility introduces distinct roadblocks to implementing effective flows that account for factors such as fund location and risk.
In this talk, Clém explores the concept of Color of Money: a financial data design pattern that can and should be used to answer fine-grained questions about the specific relationships between assets, liabilities, and their interconnections.

Come hear more about this new model for thinking about ledgering, and much more at fintech_devcon this August.