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Formance provides an open-source programmable ledger for fiat and digital assets that lets teams model money flows, track every cent in real time, and rely on an immutable record trusted by regulators. It enables building financial products with a Numscript-based ledger and code-defined workflows, using a single unified model across PSPs and banks (e.g., Stripe, Adyen, Wise). The platform emphasizes built-for-regulated money with continuous reconciliation, auditability, and certifications (SOC 2 Type II, ISO 27001, DORA), suitable for use cases from digital assets to corporate treasury.
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