_ON-DEMAND/

Split every ride, every delivery, in real time

Fares, courier earnings, tips, surge, and instant cash-outs: a ledger fast enough for on-demand volume and exact enough for everyone's cut.

Book a demo Start building

fare

split

earnings

cash-out

_TRUSTED BY TEAMS MOVING MONEY/

_THE PROBLEM/

Every trip is a settlement event

Millions of micro-splits a day, and every worker checks their balance.

Each completed job splits a fare across the worker, the platform, taxes, and sometimes a fleet partner, at volume, in real time, with workers cashing out instantly. Batch-computed earnings cannot keep up, and support drowns in balance disputes.

Worker earnings are recomputed in nightly batches, so in-app balances lag reality.

Instant cash-outs race against uncomputed earnings and go negative.

Surge pricing, incentives, and tips complicate every split differently.

Fleet partners and multi-city tax rules multiply the settlement logic.

_PROOF/ On-demand platforms run earnings and instant payouts on Formance at marketplace scale.

_FLOW OF FUNDS/

From fare to instant cash-out

Split at completion, available immediately, paid out on demand.

The rider's fare splits at trip completion (platform take, taxes, worker earnings), and the worker's balance is live the moment the trip ends. Instant cash-out debits a real balance, not an estimate.

live earnings

farerider charged

splitplatform · tax · worker

earningslive balance

cash-outinstant payout

_CAPABILITIES/

The primitives on-demand platforms need

Built on the open-source Formance ledger.

Real-time fare splits, live worker balances, and safe instant payouts, composed for high-frequency operations.

_REAL-TIME SPLITS/

Fare, surge, tips, taxes, and incentives split at trip completion in one atomic transaction, at thousands per second.

atomic at volume

Read the Numscript docs

_LIVE EARNINGS/

Worker balances derived from the log, surfaced in-app the second a job completes: no nightly batch, no disputes.

balance = truth

_INSTANT CASH-OUT/

Payouts debit real balances with overdraft protection built into the ledger: a race condition cannot overdraw a worker.

safe by construction

_FLEET & TAX LOGIC/

Fleet partner shares and per-city tax rules declared per market: expansion is configuration, not a settlement rewrite.

per-market rules

_BY THE NUMBERS/

On-demand-grade, by design

splits per second1000ssustained · per ledger

worker balancesliveat job completion

overdrawn cash-outs0ledger-enforced

split logicper marketfleet · tax · incentives

_NUMSCRIPT/

The fare splits at completion

Worker paid, platform paid, tax set aside: one transaction.

Trip completion posts one Numscript transaction: the rider's fare splits across the worker's live balance, the platform take, and the tax account, atomically, at volume.

trip.num

// Split a completed trip fare
vars {
  account $rider
  account $worker
  monetary $fare
  monetary $tip
}

send $fare (
  source = $rider
  destination = {
    20% to @platform:take
    8% to @tax:vat
    remaining to @earnings:$worker
  }
)

// Tips bypass the split entirely
send $tip (
  source = $rider
  destination = @earnings:$worker
)

_VOICES/

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

_TRUST/

Built for regulated money.

Enterprise controls, the certifications auditors ask for, and an immutable record, out of the box.

See our trust center

THE COMPLIANCE STACK

IAM, RBAC & SSO

Non-repudiation

Audit logs

Observability & monitoring

Real-time events

Admin console

_AUDIT-LOG/ NON-REPUDIATION

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

CERTIFICATIONS

AICPA SOC IICERTIFIED

ISO 27001CERTIFIED

DORACOMPLIANT

REGULATORY FRAMEWORKS

EMIFCAMTLNYDFS Trust CharterOCC CharterMiCAGENIUS

_ATTESTED/

_RESOURCES/

Keep going

Everything you need to evaluate and build on Formance.

_DOCS/

Read the documentation

Architecture guides, the Ledger and Connectivity references, and step-by-step quickstarts to ship in days.

_NUMSCRIPT/

Try Numscript

Model any flow of funds as deterministic, auditable transactions. Experiment live in the playground.

_STORIES/

Customer stories

See how fintechs, marketplaces and platforms run money movement on Formance in production.

FAQ

On-demand flows, answered

01 / CAN IT HANDLE OUR PEAK VOLUME?

Yes: the ledger sustains thousands of transactions per second per ledger, so splits post at trip completion even through the Friday-night peak.

02 / HOW DO INSTANT CASH-OUTS STAY SAFE?

Cash-outs debit derived balances with ledger-enforced constraints: a concurrent trip and cash-out cannot overdraw the worker, by construction.

03 / WHAT ABOUT INCENTIVES AND SURGE?

Bonuses, guarantees, and surge multipliers are declared transaction patterns: they post through the same split, visible in the worker's history like any earning.

04 / HOW DO FLEET PARTNERS GET PAID?

Fleet shares are part of the declared split per market; partner payables accrue in real time and settle on schedule, derived from the same record.

_GET STARTED/

Settlement at the speed of dispatch

See how Formance fits your on-demand platform: book a demo or start building.

Book a demo Start building