Formance tracks stablecoins across payment rails and omnibus accounts with regulatory-grade auditability.
Fintechs, financial institutions, and digital asset platforms use Formance to manage fiat and digital assets under a single double-entry data model, and to orchestrate flows across banks, PSPs, custodians, exchanges, and blockchains.
For teams building with stablecoins and payment infrastructure, Formance solves the three hardest challenges of going to production:
Every marketplace sale creates obligations that resolve on different timelines: the buyer pays now, the seller gets paid later, and settlement follows your PSP's schedule, not yours. Formance records every split, hold, refund, and payout as it happens, so seller balances stay current and reconcile cleanly against what your payment providers report, even as commission models and payout schedules get more complicated.
When user funds sit pooled in an FBO account, your bank sees one balance while your product needs thousands. Formance tracks per-user ownership of pooled funds in real time, with balance constraints enforced at the ledger level so a user can't spend the same dollar twice under concurrent load. Every operation lands in an immutable log, so you can reconstruct any balance at any point in time and show how it got there.
Loan flows generate state that changes constantly: disbursements, installment repayments, accrued fees, restructured schedules. Formance models these flows explicitly, so a repayment that splits across principal, interest, and fees posts as a single atomic operation and can't partially fail. Adding a new loan product means adapting an existing flow of funds instead of building tracking logic from scratch.
A single stablecoin payment spans a chain transaction, an internal balance update, a compliance decision, and a fiat movement - each on its own timeline across different providers. Formance records fiat and digital assets in one ledger, so on-ramps, off-ramps, and cross-border flows post as atomic transactions you can trace end-to-end and reconcile against custodians, exchanges, and banks.
A neobank's product depends on showing users a balance they can trust, but that balance lives inside a pooled account at a partner bank. Formance tracks posted, pending, and available balances per user against the omnibus account, with an immutable record that keeps your books aligned with the bank's. When auditors or your banking partner ask whose money is where, you can answer from the ledger directly.
Software companies adding payments inherit fintech problems without a fintech team: tracking money across users, reconciling against providers, and producing records that survive an audit. Formance handles that layer - from the immutable ledger through reconciliation against PSP and bank data - so your engineers stay on the product your customers actually came for.
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