Formamidinium (FA)-based 2D perovskites have emerged as highly promising candidates in solar cells. However, the insertion of 2D spacer cations into the perovskite lattice concomitantly introduces microstrain and unfavorable orientations that hinder efficiency and stability. In this study, by finely tuning the FA-based 2D perovskite lattice through spacer cation engineering, a stable lattice structure with balanced distortion, microstrain relaxation, and reduced carrier–lattice interactions is achieved. These advancements effectively stabilize the inherently soft lattice against light and thermal-aging stress. To reduce the photocurrent loss induced by undesired crystal texture, a polarity-matched molecular-type selenourea (SENA) additive is further employed to modulate the crystallization kinetics. The introduction of the SENA significantly inhibits the disordered crystallization induced by spacer cations and drives the templated growth of the quantum well structure with a vertical orientation. This controlled crystallization process effectively reduces crystal defects and enhances charge separation. Ultimately, the optimized FA-based perovskite photovoltaic devices achieve a remarkable power conversion efficiency (PCE) of 20.03% (certified steady-state efficiency of 19.30%), setting a new record for low-n 2D perovskite solar cells. Furthermore, the devices exhibit less than 1% efficiency degradation after operating at maximum power point for 1000 h and maintain excellent stability after thermal aging and cycles of cold–warm shock, respectively.