Browse / Invoicing and finance
Formance Ledger
Programmable core ledger for fintech: multi-posting transactions and Numscript over a REST API.
Formance Ledger is a Postgres-backed financial ledger service for apps that hold or move money: user balances, marketplaces, payouts, loans. Transactions are atomic multi-postings, optionally written in the Numscript DSL, and every account, balance, volume and log is queryable over the v2 API with official SDKs. MIT standalone; Formance sells an enterprise platform on top.
- I am building a wallet, marketplace or lending product and need a ledger that will not let balances go wrong
- I want my agent to post and query money movements through a typed API instead of a spreadsheet
- Production is only supported through the Formance Kubernetes operator; the compose file is for local use
- A ledger, not an accounting package: no invoices, tax or reporting UI
- Numscript is its own language to learn
Last activity Sep 3, 2026. Fit: adaptable 3, operable 3.
Adaptable: what is yours to change
Make it yours
Config only9 things to edit
Run the standalone compose and set the Postgres URI, bind address, auto-upgrade and bulk parallelism as env vars or CLI flags; the chart of accounts is whatever account paths you post to. Business rules live in Numscript templates your app sends, which is the real customization surface.
- Env vars
POSTGRES_URIPOSTGRES_MAX_OPEN_CONNSPOSTGRES_MAX_IDLE_CONNSAUTO_UPGRADEBULK_PARALLELDEBUGEXPERIMENTAL_FEATURESEXPERIMENTAL_NUMSCRIPT_INTERPRETER- Config files
examples/standalone/docker-compose.yml- Prompt files
- none
- Accounts you need
- Formance Cloud account (enterprise deployments only)
Source
- github.com/formancehq/ledger
- MIT license
- Last commit Sep 3, 2026
- 1,373 stars
Operable: what an agent can drive
Interface
OfficialAPIpublished by the builderremote or local
How an agent can drive an Operable Listing, in five levels: native (built for the agent as the primary interface), official (the Builder ships an agent interface), wrapped (a third party wraps the software's API), config (an agent can only drive it by editing files), gui (screen control only). An interface is official only when it is published by the same organization that ships the software. GUI-level Listings are allowed and sorted last.
Reach
Partial coverage. 9 of 10 jobs reachable through the stated interface.
| Job | Through the interface | Evidence |
|---|---|---|
| Create ledgers and buckets | Reachable | openapi.yaml paths /v2/{ledger}, /v2/_/buckets/{bucket} |
| Post multi-posting transactions | Reachable | POST /v2/{ledger}/transactions with postings; README quickstart |
| Run Numscript scripts | Reachable | transactions accept a script body; Numscript DSL documented at docs.formance.com/modules/numscript |
| Read accounts, balances and volumes | Reachable | openapi.yaml /v2/{ledger}/accounts, aggregate balances and volumes endpoints |
| Attach metadata to accounts and transactions | Reachable | openapi.yaml /v2/{ledger}/accounts/{address}/metadata |
| Revert transactions | Reachable | revert endpoint in v2 API |
| Bulk operations | Reachable | openapi.yaml /v2/{ledger}/_bulk |
| Audit logs | Reachable | logs endpoints; README mentions shipping logs to replica stores |
| Export to analytics stores | Reachable | openapi.yaml /v2/_/exporters, pipelines |
| Console UI | Not reachable | the Console is a separate UI in the standalone compose, not part of the API |
Code stack
- Languages
- Go
- Frameworks
- none
- Package manager
- go modules
- Database
- PostgreSQL
- Hosting target
- DockerKubernetes (Formance operator)
- Built
- Unknown (recorded, never ranked)
Evidence and confidence
| Field | Where it was seen | Confidence |
|---|---|---|
| formFactor | HTTP service with OpenAPI (openapi.yaml in repo); no end-user UI beyond the Console | 90% |
| executionModel | no model at runtime | 95% |
| operability | docs.formance.com/ledger and SDKs published by Formance; openapi.yaml in repo | 90% |
| effort | examples/standalone/docker-compose.yml env keys; cmd/serve.go flags bind, auto-upgrade, bulk-parallel | 80% |
| editions | formance.com/pricing: Open Source MIT free, Enterprise annual subscription | 85% |
| active | GitHub pushedAt 2026-09-03 | – |
| reach | 80% |
Open questions
- SDK language list (docs page is JS-rendered; not fetched)
- Auth configuration for the standalone service (AUTH_ENABLED or similar) was not confirmed
Sources
- github.com/formancehq/ledger sourcing:invoicing-finance:curated
- www.formance.com/pricing analysis:invoicing-finance
- github.com/formancehq/ledger/blob/main/openapi.yaml analysis:invoicing-finance