Formance

Formance builds open-source financial infrastructure for money movement. The platform pairs a programmable double-entry Ledger (with the Numscript DSL) with a unified Payments connectivity layer and Flows orchestration, plus Wallets, Reconciliation, Auth, and Webhooks. It is delivered as open-source components and as a managed multi-tenant Formance Cloud, exposing REST APIs secured with OAuth2 client-credentials Bearer tokens.

Formance publishes 8 API contracts indexed on the APIs.io network, including Auth API, Ledger API, Orchestration API, and 5 more. Tagged areas include Financial Infrastructure, Ledger, Double-Entry, Payments, and Orchestration.

The Formance catalog on APIs.io includes 1 Spectral governance ruleset.

Formance’s developer surface includes authentication, documentation, engineering blog, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

29.2/100 thin ▬ flat Agent 27/100 agent aware Front door AI 3/6 light Heartbeat 99/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Financial Infrastructure Ledger Double-Entry Payments Orchestration Money Movement Open Source Fintech

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Financial Management

BC-200

Ledger

GET /api/ledger/v2 GET /api/ledger/v2/{ledger} POST /api/ledger/v2/{ledger} GET /api/ledger/v2/{ledger}/accounts

Developer Platform & API Ecosystem Management

BC-4270

Webhooks

PUT /api/webhooks/configs/{id} PUT /api/webhooks/configs/{id}/activate PUT /api/webhooks/configs/{id}/secret/change

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 29.2/100 · thin

Contract Quality 8.7 / 19

Developer Ergonomics 3.8 / 15

Access Clarity 1.2 / 15

Operational Transparency 2.1 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 7.9 — up to +18.4 composite points
Developer Ergonomics scores 25.0 — up to +15.0 composite points
Contract Quality scores 46.2 — up to +13.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/formance/apis.yml: open an issue on github.com/api-evangelist/formance to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Formance Auth API

OAuth2 / OIDC authorization server, clients, and users.

Formance Ledger API

Programmable double-entry ledger (v2).

Formance Orchestration API

Flows workflows, instances, and triggers (v2).

Formance Payments API

Unified payments connectivity, connectors, and transfers.

Formance Reconciliation API

Reconciliation policies and runs.

Formance Search API

Cross-module search.

Formance Wallets API

White-label wallets, balances, and holds.

Formance Webhooks API

Webhook subscription configuration.

Scroll for all 8

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Formance Platform Auth API

OPEN COLLECTION

Formance Platform Auth Ledger API

OPEN COLLECTION

Formance Platform Auth Orchestration API

OPEN COLLECTION

Formance Platform Auth Payments API

OPEN COLLECTION

Formance Platform Auth Reconciliation API

OPEN COLLECTION

Formance Platform Auth Search API

OPEN COLLECTION

Formance Platform Auth Wallets API

OPEN COLLECTION

Formance Platform Auth Webhooks API

OPEN COLLECTION

Formance Platform API

OPEN COLLECTION

Scroll for all 9

Formance API pricing

Not yet checked against Formance's own pricing page. Compiled by API Evangelist on 2026-07-01 from www.formance.com/pricing; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Open Source (Self-Hosted) free	—
Formance Cloud usage	—
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

Cloud API Requests: see provider documentation requests
Ledger Write Throughput: infrastructure-bound transactions
Connector Limits: upstream-provider dependent requests

Compiled by API Evangelist, not yet checked against Formance's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Formance Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Formance Rate Limits

3 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Formance

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Formance Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Formance API Rules

59 rules · 55 errors 3 warnings 1 info

SPECTRAL

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Formance Authentication

oauth2 · 1 scheme

SECURITY

Formance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Formance Vulnerability Disclosure

no policy recorded

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Formance Scopes

6 scopes · clientCredentials

6 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Formance Agentic Access

95 operations · 45 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: formance
url: https://raw.githubusercontent.com/api-evangelist/formance/refs/heads/main/apis.yml
name: Formance
kind: company
description: Formance builds open-source financial infrastructure for money movement. The platform pairs a programmable double-entry
  Ledger (with the Numscript DSL) with a unified Payments connectivity layer and Flows orchestration, plus Wallets, Reconciliation,
  Auth, and Webhooks. It is delivered as open-source components and as a managed multi-tenant Formance Cloud, exposing REST
  APIs secured with OAuth2 client-credentials Bearer tokens.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/formance.png
x-docs-platform: mintlify
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Financial Infrastructure
- Ledger
- Double-Entry
- Payments
- Orchestration
- Money Movement
- Open Source
- Fintech
tags_raw:
- Financial Infrastructure
- Ledger
- Double-Entry Accounting
- Payments
- Orchestration
- Money Movement
- Open Source
- Fintech
- Open-Source
created: '2026-07-01'
modified: '2026-07-01'
specificationVersion: '0.23'
apis:
- aid: formance:formance-auth-api
  name: Formance Auth API
  description: OAuth2 / OIDC authorization server, clients, and users.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/formance-auth-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-ledger-api
  name: Formance Ledger API
  description: Programmable double-entry ledger (v2).
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Ledger
  properties:
  - type: OpenAPI
    url: openapi/formance-ledger-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-orchestration-api
  name: Formance Orchestration API
  description: Flows workflows, instances, and triggers (v2).
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Orchestration
  properties:
  - type: OpenAPI
    url: openapi/formance-orchestration-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-payments-api
  name: Formance Payments API
  description: Unified payments connectivity, connectors, and transfers.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/formance-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-reconciliation-api
  name: Formance Reconciliation API
  description: Reconciliation policies and runs.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Reconciliation
  properties:
  - type: OpenAPI
    url: openapi/formance-reconciliation-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-search-api
  name: Formance Search API
  description: Cross-module search.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Search
  properties:
  - type: OpenAPI
    url: openapi/formance-search-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-wallets-api
  name: Formance Wallets API
  description: White-label wallets, balances, and holds.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/formance-wallets-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
- aid: formance:formance-webhooks-api
  name: Formance Webhooks API
  description: Webhook subscription configuration.
  humanURL: https://docs.formance.com/ledger
  baseURL: https://{organization}.{environment}.formance.cloud/api/ledger
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/formance-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.formance.com/ledger
  - type: APIReference
    url: https://docs.formance.com/api
  - type: PostmanCollection
    url: collections/formance.postman_collection.json
  - type: OpenCollection
    url: collections/formance.opencollection.json
  - type: Documentation
    url: https://docs.formance.com/payments
  - type: Documentation
    url: https://docs.formance.com/flows
  - type: Documentation
    url: https://docs.formance.com/wallets
  - type: Documentation
    url: https://docs.formance.com/reconciliation
  - type: Documentation
    url: https://docs.formance.com/security
  - type: Documentation
    url: https://docs.formance.com/webhooks
  - type: Documentation
    url: https://docs.formance.com/search
common:
- type: CapabilityMap
  url: capabilities/formance-capability-edges.yml
  name: Formance Business Capability Map
- type: AgenticAccess
  url: agentic-access/formance-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/formance-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/formance-domain-security.yml
- type: Authentication
  url: authentication/formance-authentication.yml
- type: OAuthScopes
  url: scopes/formance-scopes.yml
- type: GitHubOrganization
  url: https://github.com/formancehq
- type: LinkedIn
  url: https://www.linkedin.com/company/formance
- type: Website
  url: https://www.formance.com
- type: Documentation
  url: https://docs.formance.com
- type: Plans
  url: plans/formance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/formance-rate-limits.yml
- type: FinOps
  url: finops/formance-finops.yml
- url: https://www.formance.com/blog/rss.xml
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Formance API — frequently asked questions

Does Formance have an API?

Yes. APIs.io lists 8 APIs from Formance, including Formance Auth API, Formance Ledger API and Formance Orchestration API, and 5 more.

Is there an OpenAPI specification for the Formance API?

Yes. APIs.io indexes 8 OpenAPI specifications for Formance, each linked for download from this page.

How do I authenticate with the Formance API?

Formance documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Formance Authentication.

How much does the Formance API cost?

APIs.io lists 3 pricing plans for Formance, with each plan's price, limits and inclusions under Pricing on this page.

Is the Formance API ready for AI agents?

Formance has a Kin Score of 29.2 out of 100 (thin) and an Agent Readiness score of 26.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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