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

Formance’s developer surface includes authentication, documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

39.4/100 developing ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

AccessFreemiumSelf serve⚡ Free to try

8 APIs

Financial Infrastructure LedgerDouble-Entry AccountingPayments Orchestration Money Movement Open-Source Fintech

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 39.4/100 · developing

Contract Quality 11.2 / 21

Developer Ergonomics 4.0 / 17

Access Clarity 6.7 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 6.6 / 15

Agent readiness — 34/100 · agent ready

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

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/formance: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 8

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

Open Collections 10

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

Rate Limits 1

Documented rate limits and quota policies.

Formance Rate Limits

3 limits

RATE LIMITS

FinOps 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Formance Scopes

6 scopes · clientCredentials

6 scopes

SCOPES

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

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.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/formance.png
tags:
- Financial Infrastructure
- Ledger
- Double-Entry Accounting
- Payments
- Orchestration
- Money Movement
- Open-Source
- Fintech
tags_raw:
- Financial Infrastructure
- Ledger
- Double-Entry Accounting
- Payments
- Orchestration
- Money Movement
- Open Source
- Fintech
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: 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

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