AI designs. The ledger decides.
Use AI to design your ledger in minutes, and give agents a governed gateway to act on it: deterministic guarantees underneath, whatever the model does above.
AI meets the ledger in two places. At design time, Studio turns a description of your business into a complete ledger schema. At run time, agents act against the ledger through the same enforcement as any other client: balance constraints, idempotency, and an immutable audit trail. Probabilistic systems above, deterministic truth below.
Design time
Describe your flows, attach your documents, and get a complete schema: chart of accounts, Numscript templates, and queries. Free at studio.formance.com.
The output is a versioned schema object you review, edit, and deploy to your stack in one step. AI proposes; you approve; the ledger enforces.
Run time
Agents connect to the ledger through MCP, so every agent action passes the same authentication, RBAC, and constraints as any API client.
Agent budgets as funded accounts, spend limits as balance constraints, holds for mandate reservations. Enforced at posting time, not in the prompt.
Deterministic idempotency keys collapse retried and duplicated tool calls into one transaction.
Every agent posting carries actor, task, and authorizing context in an immutable, hash-chained log.
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
“Formance is the foundation of our Financial OS, the open-source approach lets us retain control over this key component.”
Healthcare · Financial OS
“Formance helped us kick off our move into fintech, with robust infrastructure and intuitive developer tooling.”
Benefits · fintech infrastructure
Built for regulated money.
Enterprise controls, the certifications auditors ask for, and an immutable record, out of the box.
09:41:07Z AUDIT gateway POST /api/ledger/v2/main/transactions 200 sub:ops@acme.io
09:41:09Z LOG id:4093 NEW_TRANSACTION ledger:main
09:41:12Z LOG id:4094 SET_METADATA ledger:main
09:41:15Z LOG id:4095 REVERTED_TRANSACTION ledger:main
09:41:18Z AUDIT gateway GET /api/ledger/v2/main/logs 200 sub:audit@acme.io
Keep going
Everything you need to evaluate and build on Formance.
Questions, answered
01 / DOES AI TOUCH MY TRANSACTION DATA?
Studio works at design time on the descriptions and documents you give it. Transaction execution is fully deterministic: no model sits in the posting path.
02 / WHAT EXACTLY DOES STUDIO PRODUCE?
A complete, versioned ledger schema: the chart of accounts, parameterized Numscript templates per business event, and the queries you will run. You review and deploy it as one object.
03 / HOW DO AGENTS CONNECT?
Through the MCP gateway, with the same authentication and RBAC as any client. An agent is a principal with scoped permissions and a funded account, never a superuser.
04 / CAN AGENTS OVERSPEND OR DOUBLE-PAY?
Not structurally. Spend limits are ledger balance constraints checked at posting time, and idempotency keys make retries collapse into a single transaction.
Give AI a ledger it cannot break
Design your schema in Studio, or talk to us about agentic flows.