diff --git a/src/__tests__/format.test.ts b/src/__tests__/format.test.ts
new file mode 100644
index 0000000..5f80b8c
--- /dev/null
+++ b/src/__tests__/format.test.ts
@@ -0,0 +1,41 @@
+import { describe, it, expect } from 'vitest';
+import { formatLocaleNumber, formatCryptoAmount } from '../lib/format';
+
+describe('formatLocaleNumber utility', () => {
+  it('formats whole numbers with thousands separators in en-US', () => {
+    expect(formatLocaleNumber(50000, { locale: 'en-US' })).toBe('50,000');
+    expect(formatLocaleNumber('1000000', { locale: 'en-US' })).toBe('1,000,000');
+  });
+
+  it('formats decimals within specified precision', () => {
+    expect(formatLocaleNumber(1234.567, { locale: 'en-US', maximumFractionDigits: 2 })).toBe('1,234.57');
+    expect(formatLocaleNumber(1234.5, { locale: 'en-US', minimumFractionDigits: 2 })).toBe('1,234.50');
+  });
+
+  it('formats numbers correctly across European locales (de-DE)', () => {
+    const formatted = formatLocaleNumber(50000, { locale: 'de-DE' });
+    // de-DE uses period as thousands separator
+    expect(formatted).toBe('50.000');
+  });
+
+  it('handles string inputs containing existing commas cleanly', () => {
+    expect(formatLocaleNumber('32,500', { locale: 'en-US' })).toBe('32,500');
+  });
+
+  it('returns safe fallback for empty, null, or invalid inputs', () => {
+    expect(formatLocaleNumber(null)).toBe('0');
+    expect(formatLocaleNumber(undefined)).toBe('0');
+    expect(formatLocaleNumber('')).toBe('0');
+    expect(formatLocaleNumber('invalid-number')).toBe('0');
+  });
+});
+
+describe('formatCryptoAmount utility', () => {
+  it('appends default XLM ticker symbol', () => {
+    expect(formatCryptoAmount(25000, 'XLM', { locale: 'en-US' })).toBe('25,000 XLM');
+  });
+
+  it('supports custom token tickers', () => {
+    expect(formatCryptoAmount('500.5', 'USDC', { locale: 'en-US' })).toBe('500.5 USDC');
+  });
+});
\ No newline at end of file
diff --git a/src/components/financing/ProductionFinancingSection.tsx b/src/components/financing/ProductionFinancingSection.tsx
index 5869a94..cc5a429 100644
--- a/src/components/financing/ProductionFinancingSection.tsx
+++ b/src/components/financing/ProductionFinancingSection.tsx
@@ -15,6 +15,7 @@ import {
   ArrowUpRight,
 } from 'lucide-react';
 import contractsConfig from '@/config/contracts.json';
+import { formatLocaleNumber, formatCryptoAmount } from '../../lib/format';
 
 interface Proposal {
   id: string;
@@ -108,7 +109,7 @@ export const ProductionFinancingSection: React.FC<ProductionFinancingSectionProp
             const funded = parseFloat(p.currentFunded.replace(/,/g, '')) + parseFloat(contribAmount);
             return {
               ...p,
-              currentFunded: funded.toLocaleString(),
+              currentFunded: formatLocaleNumber(funded),
               status: funded >= parseFloat(p.targetAmount.replace(/,/g, '')) ? 'Funded' : 'FundingActive',
             };
           }
diff --git a/src/lib/format.ts b/src/lib/format.ts
new file mode 100644
index 0000000..059a754
--- /dev/null
+++ b/src/lib/format.ts
@@ -0,0 +1,43 @@
+/**
+ * Utility functions for locale-aware numeric and currency formatting across fashion financing and escrow flows.
+ */
+
+interface FormatOptions {
+  locale?: string;
+  minimumFractionDigits?: number;
+  maximumFractionDigits?: number;
+}
+
+/**
+ * Formats a numeric value or string according to user locale with thousands separators.
+ */
+export function formatLocaleNumber(
+  amount: number | string | null | undefined,
+  options: FormatOptions = {}
+): string {
+  if (amount === null || amount === undefined || amount === '') return '0';
+  const num = typeof amount === 'number' ? amount : parseFloat(String(amount).replace(/,/g, ''));
+  if (isNaN(num)) return '0';
+
+  const {
+    locale = typeof navigator !== 'undefined' ? navigator.language : 'en-US',
+    minimumFractionDigits = 0,
+    maximumFractionDigits = 2,
+  } = options;
+
+  return new Intl.NumberFormat(locale, {
+    minimumFractionDigits,
+    maximumFractionDigits,
+  }).format(num);
+}
+
+/**
+ * Formats a numeric figure with an asset/currency ticker suffix (e.g. "50,000 XLM").
+ */
+export function formatCryptoAmount(
+  amount: number | string | null | undefined,
+  symbol: string = 'XLM',
+  options?: FormatOptions
+): string {
+  return `${formatLocaleNumber(amount, options)} ${symbol}`;
+}
\ No newline at end of file