Built for how you move money
From stablecoin issuance to treasury and marketplaces, see how teams model their exact flow of funds on Formance.
Digital assets
Stablecoin Issuers
Back every token 1:1 with segregated fiat, mint and redeem programmatically, and produce an immutable audit trail your auditors and regulators can trust.
Digital Asset Exchanges
Track customer balances, trades, fees and settlements across fiat and crypto rails on a single double-entry ledger — with the audit trail regulators expect.
Tokenization Platforms
Connect off-chain cash flows to on-chain tokens with a double-entry ledger that keeps issuance, distributions and redemptions provably in sync.
Custody & Wallets
Virtualize omnibus wallets, attribute every satoshi and cent to its owner, and reconcile hot and cold storage in real time.
Crypto Payments
Orchestrate fiat-to-stablecoin-to-fiat corridors as atomic multi-hop flows, with FX, fees, and gas accounted for end to end.
Fintech
Neobanks
Own your users' balances instead of renting them from a BaaS provider: real-time accounts, card flows, and safeguarding proofs on one system of record.
Card Issuing
Run the full card lifecycle (authorization, capture, reversal, refund) on a ledger fast enough for the auth window and exact enough for the network files.
Acquiring
Run fee schedules, rolling reserves, and payout cycles on a ledger that keeps every merchant's position exact — through chargebacks, refunds, and everything else.
Lending
Run disbursements, repayment waterfalls, and investor attribution on a ledger that keeps every loan's position exact for its entire life.
AI
GPU & Compute Marketplaces
Meter GPU-hours as a first-class asset, convert delivered compute into invoices and settlement, and keep operators, tenants, and rails in one auditable record, at inference-provider volume.
Vertical SaaS
Marketplace
Buyer payments, escrow holds, fee splits, refunds, and seller payouts: one ledger keeps every party's position exact across all of it.
Hospitality
Deposits, OTA commissions, city taxes, no-show fees, and property payouts: one ledger for the money side of every stay.
Corporate & Treasury
International Money Transfers
Orchestrate multi-currency transfers across banks and PSPs, hold customer funds safely, and reconcile every payout automatically.
Accounts Receivable
Invoices, lockbox and card payments, discounts, and write-offs: an AR system of record where every payment lands on the right invoice, in the right entity, in the right currency.
Teams
For Engineering
The correctness problems that eat your roadmap (concurrency, idempotency, atomic multi-leg postings, audit trails) are solved, in production, open source.
For Product
Launch wallets, splits, payouts, and new asset types as product decisions, not infrastructure projects.
Model your flow of funds
Tell us what you're building, we'll show you how it maps onto Formance.