Record real-time money movements on a programmable
financial ledger built for scalable asset tracking.

  • Realtime balances

    Know at any point in time what is owed to whom and where the money is, with an unmatched granularity. Any money movement will result in balance being changed.

  • Virtual accounts

    Use virtual ledger accounts to model how money flows end-to-end throughout your system, choosing your own naming scheme. Accounts can represent anything, from a user wallet to an order-item to a pending withdrawal.

  • Hold and move any asset

    Formance Ledger doesn’t coerce you into a specific set of currencies and assets denominations. Build apps that hold and move ISO 4217 currencies, ETH and AAPL or even MADEUPONE.

  • Fine grained money states

    Use namespaced accounts to move and track money in your system. Model funds in flight, create and adapt to various payments schemes.

  • Payments agnostic

    Whatever the source of the transaction, you can use to it as a starting point to build your ledger flow as we abstract payment source’s specificities away.

  • Unlimited sub-ledgers

    Scale horizontally with unlimited sub-ledgers. Choose your sharding strategy from one unique ledger to a ledger per user.

Unlock the big picture

With the embedded graph views, understand how money flows within yoursystem in realtime.
Use virtual ledger accounts to create fine-grained money movements that perfectly fit your business and that everyone can understand.

Browse the use-cases library

Model funds in flight on your ledger to enable deferred payouts and fund pending processing

Refund your users by crediting their wallet to keep funds on your platform

Use multi-destination to collect fees on your ledger transactions