Since 2019, moving stablecoins = same compliance as wire transfers. The catch: identity metadata on each transaction, coordinated across chains and VASPs—without banks' infrastructure.

We wrote this to clarify what compliance actually requires on-chain.

www.formance.com/blog/financi...

When you transmit funds on behalf of customers, regulators expect to see specific metadata with each qualifying transfer about the sender and the receiver.

Here’s what you needs to know about the travel rule and building compliant systems from day one.

www.formance.com/blog/financi...

Your fiat sits in an FBO account. Your digital assets sit in an on-chain wallet. The moment you credit a user before the wire clears, you take a risk. If you rely on a simple spreadsheet, you are flying blind. You can't know whose money is settled or pending.

www.formance.com/blog/financi...

If you run a yield-generating platform, you aren’t just a custodian. You are a translator. You take static user deposits and translate them into dynamic on-chain positions.

We wrote the guide on designing a Core Ledger that mirrors on-chain mechanics.
www.formance.com/blog/financi...

While MiCA’s transition period has already ended for some CASPs and stablecoin issuers, many are still putting together their applications and setting up the necessary infrastructure for stablecoin compliance.

www.formance.com/blog/financi...

Formance is now DORA compliant! Our journey strengthened our resilience, sharpened our operations, and built opportunities for deeper trust with customers. Here’s what it took and why it matters.

www.formance.com/blog/company...

The stablecoin landscape is undergoing rapid changes, largely driven by new regulatory frameworks. Don't get caught by surprise. Learn what's coming and how to get ahead with our own Thierry Coopman in this podcast with @11fs.bsky.social f

www.11fs.com/podcasts/102...

Ledger integrity isn’t optional—it’s the foundation of trust. See the six non-negotiables every NBFI must enforce in their ledgers to stay audit-ready.

www.formance.com/blog/financi...

Most ledgers can tell you how much you have. Far fewer can tell you where it comes from.

If you're running a fintech, that gap isn't cosmetic. It's the difference between an audit trail and what looks like an accidental money-laundering machine.

Learn more here: www.formance.com/blog/changel...

In the world of payments, finality isn’t what it used to be. Crypto, instant payments, and new settlement rails are rewriting the rules. Here’s what final means for financial systems today.

www.formance.com/blog/financi...

If you're a platform or marketplace, how are you structuring your invoices? There's more than one way to do it, each with potential consequences you should know.

www.formance.com/blog/marketp...

If you think a ledger is just a collection of balances, this article is for you! 📒💸

www.formance.com/blog/enginee...