# Formance

**Canonical:** https://apis.io/providers/formance/  
**Website:** https://www.formance.com  
**APIs profiled:** 8

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.

## Kin Score — 39.4 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 39.4).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 52.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 43.8 (matched via tags).

## Agent readiness — 34.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (8)

- **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.

## Agentic access (1)

- **Formance Agentic Access** — 95 operations · 46 acting

## Security (3)

- **Formance Authentication** — oauth2 · 1 scheme
- **Formance Domain Security** — TLSv1.3 · HSTS · DMARC
- **Formance Vulnerability Disclosure** — disclosure policy published

## Plans (1)

- **Formance Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/formance/). Scores are computed from the provider's own public artifacts under a published rubric.