FintechToolkit
  • Tools
  • Categories
  • Guides
  • Datasets
  • Open Source
/

FintechToolkit

The AI- and developer-first directory of fintech infrastructure tools. Curated APIs, data sources, and open-source projects for builders shipping payments, banking, and beyond.

Know a tool that belongs here?

Submit a Tool

Browse

  • All Tools
  • Categories
  • Guides
  • Datasets
  • Open Source

Categories

  • Payments & Billing
  • Open Banking
  • Identity & KYC
  • Market Data

© 2026 FintechToolkit. The toolkit for fintech builders.

PrivacyTerms
  1. Home
  2. Tools
  3. Formance
Formance logo

Formance

Open Source

Open-source programmable ledger for modelling money movement in your own stack.

Visit website
Visit websiteformance.com

Overview


Formance is an open-source programmable ledger for modelling money movement, using a purpose-built DSL called Numscript to express transactions.

Splits, holds, and multi-party transfers are declared in Numscript rather than implemented in application code, producing a deterministic and auditable transaction history. It can be self-hosted or used as a managed cloud service, with connectors for common payment processors.

Common use cases


  • Model money movement in a programmable ledger
  • Express splits and holds in the Numscript DSL
  • Reconcile against external payment processors
  • Self-host a ledger you fully control

Key Features


  • Open-source programmable ledger
  • Numscript DSL for expressing money movement
  • Deterministic, auditable transaction history
  • Self-host or use the managed cloud
  • Connectors for common payment processors
  • Reconciliation and orchestration tooling

Integration

Protocols
REST, Webhooks
Authentication
API key / OAuth 2.0
Official SDKs
Go, Node, Python
Sandbox
Available
Documentation
Read the docs

Details

Product Types

APIOSS

Geographic Coverage

Global

Pricing Model

Free tier

Categories

Developer Infrastructure

Directory last reviewed 1 August 2026

Related Tools

OpenFinTech.io logo

OpenFinTech.io

Open Source

Open-source MIT-licensed dataset of fintech providers, payment systems, and banking institutions.

Developer Infrastructure
Dataset, OSSGlobalFree
Moov logo

Moov

Open Source

Payments platform with a large set of open-source Go libraries for ACH and wires.

Developer InfrastructurePayments & Billing
API, OSSUSUsage-based
Hyperswitch logo

Hyperswitch

Open Source

Open-source payment orchestrator that routes across multiple processors.

Developer InfrastructurePayments & Billing
API, OSSGlobalFree