Formance is the programmable core ledger that unifies fiat & digital assets. Build financial flows without compromise. Track funds across payment rails and omnibus accounts. Trusted for regulatory-grade tracability and auditability.
Formance is a modular, open-source platform for building bespoke financial infrastructure to fit your business needs, not someone else's assumptions. Developers get programmable building blocks, including a high-performance double-entry ledger powered by Numscript to model complex money flows and integrate with any payment provider. Finance teams get real-time visibility, accurate reconciliation, and full control over auditability, compliance, and reporting. With Formance, you move faster, build smarter, and stay in control of your financial infrastructure.
Highlights
Modular and extensible primitives, to help you build any kind of financial product.
Record real-time money movements on a programmable financial ledger built for scalable asset tracking.
Connect your Formance Platform to the financial provider or payment processor of your choice. Use one of the connectors available or create your own.
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Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
You buy this platform under an annual contract measured in units. The Enterprise Core Platform is the base subscription, bundling the ledger, connectivity, and support and services. Three add-on dimensions extend that base: the Flows Module for payment orchestration, the Reconciliation Module for account-based reconciliation, and Proprietary Connectivity priced per connector. Each add-on is priced separately, so you scale by adding the modules and connectors you need on top of the core. Connector count drives the Proprietary Connectivity cost, letting you match spend to the number of providers you connect.
Top-of-mind questions for buyers
What counts as one connector under Proprietary Connectivity pricing?
A connector links the platform to one payment provider or bank, such as a card processor, FX provider, or wallet. Each licensed connector maps native provider events into one normalized payment, balance, and payout model. You pay per connector, so cost tracks the number of providers you connect.
How do the module and connector dimensions combine into my total bill?
You start with the Enterprise Core Platform base subscription. The Flows Module, Reconciliation Module, and Proprietary Connectivity each bill separately on top. Module charges are flat add-ons, while Proprietary Connectivity scales with connector count. All charges apply under one annual contract measured in units.
What do I get for the Flows and Reconciliation modules I add on?
The Flows Module runs multi-step payment workflows as durable programs that survive failure and retries. The Reconciliation Module matches your ledger against external cash pools continuously and flags drift. Each is a separate priced dimension you add only if you need that capability.
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Support is available via email at support@formance.com or via our Support Portal.
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