# Formance Documentation ## Other - [Build with Formance](https://docs.formance.com/): Learn how to get started with Formance. ## Changelog - [Stack v3.2](https://docs.formance.com/changelog/v3.2) - [Stack Changelog](https://docs.formance.com/changelog) - [Stack v3.1](https://docs.formance.com/changelog/v3.1) - [Stack v3.0](https://docs.formance.com/changelog/v3.0) ## Cookbook - [Omnibus Account Management](https://docs.formance.com/examples/advanced/omnibus) - [RideShare Tutorial](https://docs.formance.com/examples/getting-started/rideshare-tutorial) - [Introduction](https://docs.formance.com/examples/introduction) - [Payment Card Acceptance Processing](https://docs.formance.com/examples/advanced/payment-acceptance) - [Card Issuing & Financial Host](https://docs.formance.com/examples/advanced/issuing-financial-host) - [Stablecoin On-Ramp & Off-Ramp Operations](https://docs.formance.com/examples/advanced/stablecoin-operations) - [Stablecoin Issuer](https://docs.formance.com/examples/advanced/stablecoin-issuer) - [Neobank (FBO)](https://docs.formance.com/examples/advanced/neobank-fbo) - [Crypto Custody](https://docs.formance.com/examples/advanced/crypto-custody) - [BNPL & Lending](https://docs.formance.com/examples/advanced/bnpl-lending) - [Marketplace Payouts](https://docs.formance.com/examples/advanced/marketplace-payouts) ## Deploy - [Overview](https://docs.formance.com/deploy/cloud/overview) - [Deployment Overview](https://docs.formance.com/deploy/overview) - [All-in-one Demo Chart](https://docs.formance.com/deploy/self-hosted/demo/quick-start) - [Operator Setup](https://docs.formance.com/deploy/self-hosted/installation/operator-setup) - [Control Plane Setup](https://docs.formance.com/deploy/self-hosted/installation/control-plane) - [Requirements](https://docs.formance.com/deploy/self-hosted/requirements) - [PostgreSQL](https://docs.formance.com/deploy/self-hosted/infrastructure/postgresql) - [Message Broker](https://docs.formance.com/deploy/self-hosted/infrastructure/message-broker) - [Temporal](https://docs.formance.com/deploy/self-hosted/infrastructure/temporal) - [Stack Configuration](https://docs.formance.com/deploy/self-hosted/modules/stack) - [Gateway Module](https://docs.formance.com/deploy/self-hosted/modules/gateway) - [Ledger Module](https://docs.formance.com/deploy/self-hosted/modules/ledger) - [Payments Module](https://docs.formance.com/deploy/self-hosted/modules/payments) - [Auth Module](https://docs.formance.com/deploy/self-hosted/modules/auth) - [Orchestration Module](https://docs.formance.com/deploy/self-hosted/modules/orchestration) - [Reconciliation Module](https://docs.formance.com/deploy/self-hosted/modules/reconciliation) - [Wallets Module](https://docs.formance.com/deploy/self-hosted/modules/wallets) - [Webhooks Module](https://docs.formance.com/deploy/self-hosted/modules/webhooks) - [Operator settings reference](https://docs.formance.com/deploy/self-hosted/config/settings) - [API Reference](https://docs.formance.com/deploy/self-hosted/config/api-reference) - [Configure OpenTelemetry](https://docs.formance.com/manage/observability/opentelemetry) - [Backups management](https://docs.formance.com/deploy/self-hosted/backups) - [Traces](https://docs.formance.com/manage/observability/traces) - [Metrics](https://docs.formance.com/manage/observability/metrics) - [Support Telemetry](https://docs.formance.com/manage/observability/support-telemetry) - [Upgrade from the operator](https://docs.formance.com/manage/upgrade/from-operator) - [Database update](https://docs.formance.com/manage/upgrade/database) - [Troubleshooting](https://docs.formance.com/deploy/self-hosted/troubleshooting) ## Get Started - [Try the Sandbox](https://docs.formance.com/getting-started/sandbox) - [Platform Quick Start](https://docs.formance.com/getting-started/quickstart) - [Connect Your App](https://docs.formance.com/getting-started/connect-app) - [Core Concepts](https://docs.formance.com/getting-started/concepts) - [Getting Help](https://docs.formance.com/getting-started/help) ## Modules - [Architecting for scale](https://docs.formance.com/modules/ledger/advanced/architecting-for-scale) - [Ledger](https://docs.formance.com/modules/ledger) - [Getting Started](https://docs.formance.com/modules/payments/connectors/generic/getting-started) - [Quick Start](https://docs.formance.com/modules/ledger/quick-start) - [Core Concepts](https://docs.formance.com/modules/ledger/core-concepts) - [Accounts](https://docs.formance.com/modules/ledger/core-concepts/accounts) - [Postings and Transactions](https://docs.formance.com/modules/ledger/core-concepts/transactions) - [Capabilities](https://docs.formance.com/modules/payments/capabilities) - [Generic Connector](https://docs.formance.com/modules/payments/connectors/generic) - [Constraints](https://docs.formance.com/modules/ledger/core-concepts/constraints) - [Source/destination](https://docs.formance.com/modules/ledger/core-concepts/source-destination) - [Designing a Chart of Accounts](https://docs.formance.com/modules/ledger/core-concepts/chart-of-accounts) - [Assets & Currency conversion](https://docs.formance.com/modules/ledger/working-with/currency-conversion) - [PSP Connectors](https://docs.formance.com/modules/payments/connectors/psp) - [Operations](https://docs.formance.com/modules/payments/operations) - [Bi-temporality](https://docs.formance.com/modules/ledger/working-with/bi-temporality) - [Bulk processing](https://docs.formance.com/modules/ledger/working-with/bulk-processing) - [Filtering queries](https://docs.formance.com/modules/ledger/working-with/filtering-queries) - [Idempotency](https://docs.formance.com/modules/ledger/working-with/idempotency) - [Accounts](https://docs.formance.com/modules/payments/accounts) - [Exchange Connectors](https://docs.formance.com/modules/payments/connectors/exchange) - [Data isolation with buckets](https://docs.formance.com/modules/ledger/working-with/data-isolation-buckets) - [From credit/debit to source/destination](https://docs.formance.com/modules/ledger/working-with/credit-debit-conversion) - [Streaming to analytics systems](https://docs.formance.com/modules/ledger/working-with/data-streaming) - [Ledger Schema](https://docs.formance.com/modules/ledger/working-with/ledger-schema) - [Open Banking](https://docs.formance.com/modules/payments/connectors/open-banking) - [Payments](https://docs.formance.com/modules/payments/payments) - [Orders](https://docs.formance.com/modules/payments/orders) - [Conversions](https://docs.formance.com/modules/payments/conversions) - [Events Publishers](https://docs.formance.com/modules/ledger/advanced/events-publishers) - [Build a connector](https://docs.formance.com/modules/payments/connectors/build-connector) - [Performance model](https://docs.formance.com/modules/ledger/advanced/performance-model) - [Numscript](https://docs.formance.com/modules/numscript) - [Program Structure](https://docs.formance.com/modules/numscript/program-structure) - [Selecting an Interpreter](https://docs.formance.com/modules/numscript/interpreter) - [Send](https://docs.formance.com/modules/numscript/reference/send) - [Payment Initiation](https://docs.formance.com/modules/payments/transfer-initiation) - [Sources](https://docs.formance.com/modules/numscript/reference/sources) - [Destinations](https://docs.formance.com/modules/numscript/reference/destinations) - [Rounding](https://docs.formance.com/modules/numscript/reference/rounding) - [Save](https://docs.formance.com/modules/numscript/reference/save) - [Overdraft](https://docs.formance.com/modules/numscript/reference/overdraft) - [Account Pools](https://docs.formance.com/modules/payments/cash-pools) - [Variables](https://docs.formance.com/modules/numscript/reference/variables) - [Metadata](https://docs.formance.com/modules/numscript/reference/metadata) - [Unambiguous Monetary Notation](https://docs.formance.com/modules/numscript/monetary-notation) - [CLI](https://docs.formance.com/modules/numscript/cli) - [Functions](https://docs.formance.com/modules/numscript/reference/functions) - [Numscript specs format](https://docs.formance.com/modules/numscript/specs) - [Payment Service Users](https://docs.formance.com/modules/payments/payment-service-users) - [oneof](https://docs.formance.com/modules/numscript/reference/oneof) - [Payments](https://docs.formance.com/modules/payments) - [Account Interpolation](https://docs.formance.com/modules/numscript/reference/account-interpolation) - [get_asset](https://docs.formance.com/modules/numscript/reference/get-asset) - [get_amount](https://docs.formance.com/modules/numscript/reference/get-amount) - [Mid-script Function Calls](https://docs.formance.com/modules/numscript/reference/mid-script-functions) - [Asset Colors](https://docs.formance.com/modules/numscript/reference/asset-colors) - [Getting Started with Open Banking](https://docs.formance.com/modules/payments/connectors/open-banking/getting-started) - [Plaid](https://docs.formance.com/modules/payments/connectors/open-banking/plaid): Connect Plaid to Formance Payments to let end users link their bank accounts and sync the resulting accounts, balances, and transactions. - [Tink](https://docs.formance.com/modules/payments/connectors/open-banking/tink): Connect Tink to Formance Payments to let end users link their European bank accounts and sync the resulting accounts, balances, and transactions. - [Reference](https://docs.formance.com/modules/numscript/reference) - [Powens](https://docs.formance.com/modules/payments/connectors/open-banking/powens): Connect Powens to Formance Payments to let end users link their European bank accounts via Powens Webview and sync the resulting accounts, balances, and transactions. - [Connectors](https://docs.formance.com/modules/payments/connectors) - [How it Works](https://docs.formance.com/modules/payments/connectors/generic/how-it-works) - [Adyen](https://docs.formance.com/modules/payments/connectors/psp/adyen): Connect an Adyen merchant account to Formance Payments to sync the live account list and ingest webhook events. - [Atlar](https://docs.formance.com/modules/payments/connectors/psp/atlar): Connect an Atlar workspace to Formance Payments to sync accounts, external counterparties, and transactions across SEPA, BACS, and ACH rails. - [Banking Circle](https://docs.formance.com/modules/payments/connectors/psp/bankingcircle): Connect a Banking Circle account to Formance Payments to sync accounts, balances, and transactions, and to initiate transfers, payouts, and bank-account creation. - [Coinbase Prime](https://docs.formance.com/modules/payments/connectors/exchange/coinbaseprime): Connect a Coinbase Prime portfolio to Formance Payments to sync wallets, balances, payments, orders, and conversions. - [Column](https://docs.formance.com/modules/payments/connectors/psp/column): Connect a Column bank-as-a-service tenant to Formance Payments to sync accounts, balances, and payments across ACH, wire, and book-transfer rails, with full outbound initiation and webhook ingest. - [Currencycloud](https://docs.formance.com/modules/payments/connectors/psp/currencycloud): Connect a Currencycloud account to Formance Payments to sync FX accounts, multi-currency balances, beneficiaries, and conversions, with outbound transfer and payout initiation. - [Fireblocks](https://docs.formance.com/modules/payments/connectors/exchange/fireblocks): Connect a Fireblocks workspace to Formance Payments to sync vault accounts, balances, and transactions. - [Increase](https://docs.formance.com/modules/payments/connectors/psp/increase): Connect an Increase account to Formance Payments to sync US bank accounts, balances, payments, and counterparties across ACH, wire, and check rails, with full outbound initiation and webhook ingest. - [Mangopay](https://docs.formance.com/modules/payments/connectors/psp/mangopay): Connect a Mangopay account to Formance Payments to sync e-wallets, balances, payouts, transfers, and beneficiaries, with full outbound initiation and webhook ingest. - [Modulr](https://docs.formance.com/modules/payments/connectors/psp/modulr): Connect a Modulr account to Formance Payments to sync UK/EU bank accounts, balances, and payments across Faster Payments and SEPA, with outbound transfer and payout initiation. - [Moneycorp](https://docs.formance.com/modules/payments/connectors/psp/moneycorp): Connect a Moneycorp account to Formance Payments to sync multi-currency accounts, balances, beneficiaries, and transactions, with outbound transfer and payout initiation. - [Bitstamp](https://docs.formance.com/modules/payments/connectors/exchange/bitstamp): Connect a Bitstamp account to Formance Payments to sync wallets, balances, payments, orders, and conversions. - [Qonto](https://docs.formance.com/modules/payments/connectors/psp/qonto): Connect a Qonto organization to Formance Payments to sync read-only business accounts, balances, beneficiaries, and transactions. - [Stripe](https://docs.formance.com/modules/payments/connectors/psp/stripe): Connect a Stripe account to Formance Payments to sync balances, payments, payouts, and external accounts, and to initiate transfers and payouts from the platform. - [Kraken Pro](https://docs.formance.com/modules/payments/connectors/exchange/krakenpro): Connect a Kraken Pro account to Formance Payments to sync wallets, balances, payments, orders, and conversions. - [Wise](https://docs.formance.com/modules/payments/connectors/psp/wise): Connect a Wise Business profile to Formance Payments to sync multi-currency balances, recipients, and transactions, with outbound transfer and payout initiation across the Wise rail network. - [Wallets](https://docs.formance.com/modules/wallets) - [Prerequisites](https://docs.formance.com/modules/wallets/prerequisites) - [Basic wallet operations](https://docs.formance.com/modules/wallets/basic-operations) - [Managing holds](https://docs.formance.com/modules/wallets/managing-holds) - [Creating Wallets](https://docs.formance.com/modules/wallets/creating) - [Adding funds](https://docs.formance.com/modules/wallets/adding-funds) - [Spending funds](https://docs.formance.com/modules/wallets/spending-funds) - [Holding and confirm](https://docs.formance.com/modules/wallets/holding-confirm) - [Flows](https://docs.formance.com/modules/flows) - [Workflows definition](https://docs.formance.com/modules/flows/definition) - [Workflows execution](https://docs.formance.com/modules/flows/execution) - [Triggers](https://docs.formance.com/modules/flows/triggers) - [Banking Bridge](https://docs.formance.com/modules/payments/connectors/psp/bankingbridge): Connect a Banking Bridge workspace to Formance Payments to sync accounts, balances, and payments with full PSP-specific reference enrichment under com.formance.connectors.bankingbridge.* - [Send Statement](https://docs.formance.com/modules/flows/stages/send) - [Waiting for events](https://docs.formance.com/modules/flows/stages/wait-event) - [Waiting for a delay](https://docs.formance.com/modules/flows/stages/delay) - [Ledger to Ledger](https://docs.formance.com/modules/flows/examples/ledger-to-ledger) - [Payment to Wallet](https://docs.formance.com/modules/flows/examples/payment-to-wallet) - [Routable](https://docs.formance.com/modules/payments/connectors/psp/routable): Connect a Routable workspace to Formance Payments to sync settings accounts, companies, payables and receivables, and initiate ACH / wire / check / international payouts and transfers. - [Ledger to Stripe Payout](https://docs.formance.com/modules/flows/examples/ledger-to-payout) - [Reconciliation](https://docs.formance.com/modules/reconciliation) - [Concepts](https://docs.formance.com/modules/reconciliation/concepts) - [Getting Started](https://docs.formance.com/modules/reconciliation/getting-started) - [Control Templates](https://docs.formance.com/modules/reconciliation/controls): Choose and configure the financial control that Reconciliation evaluates. - [Webhooks](https://docs.formance.com/modules/webhooks) - [Alerts and Evidence](https://docs.formance.com/modules/reconciliation/alerts): Investigate discrepancies and close them with an auditable decision. - [Receiving Webhooks](https://docs.formance.com/modules/webhooks/receiving) - [Reconcile an Unsupported Provider](https://docs.formance.com/modules/reconciliation/generic): Bring balances from a custom PSP or bank integration into Reconciliation. - [Delivery Lifecycle and Guarantees](https://docs.formance.com/modules/webhooks/deliveries) - [Event Reference](https://docs.formance.com/modules/webhooks/events) ## Platform - [Architecture](https://docs.formance.com/manage/architecture) - [Single sign-on (SSO) for organizations](https://docs.formance.com/manage/identity/sso) - [Access Control](https://docs.formance.com/manage/identity/rbac) - [Invite users](https://docs.formance.com/manage/identity/inviting-team) - [Audit Logs](https://docs.formance.com/manage/identity/audit-logs) - [Event Streaming](https://docs.formance.com/manage/events/streaming) - [SDKs](https://docs.formance.com/manage/sdks) - [Release Policy](https://docs.formance.com/release-policy) - [MCP](https://docs.formance.com/mcp) ## Reference - [Membership API](https://docs.formance.com/membership-api) - [Stack API Reference](https://docs.formance.com/stack-api-reference)