Open-source programmable ledger for modeling and automating money movement across fiat and digital assets with real-time reconciliation and Numscript.
Formance is an open-source, programmable external ledger platform that models any flow of funds in Numscript—an atomic, immutable transaction language—providing a single system of record for payments, treasury, and reconciliation. The platform connects to Stripe, Adyen, Wise, and dozens of banks via a single API, and includes Flows for declaring payment workflows as code (splits, fees, holds, payouts) with retries and auditability. Continuous reconciliation compares ledger balances against payment pool balances in real time, with enterprise controls and compliance certifications for regulated money. Formance is a product of Formance.