Live: GM Markets shipping on Flo

Embedded Investing and Trading in your app.

Add global capital markets in your app.

  • Stocks, ETFs, commodities, FX, and tokenized funds
  • $1 minimum per trade
  • 24/7 settlement in stablecoins
  • Guaranteed 10% revenue uplift in 90 days
Book an intro callGet SDK key

Free sandbox, free per transaction, with no setup fee, no monthly minimum, and no annual contract. Partners keep every basis point of markup. Download commercials (PDF) →

flo issuer catalogue7 classes · one prospectus

Stocks

AAPLf

$187.42

ETFs

SPYf

$548.40

Treasuries

BILL3Mf

4.94% APY

Forex

EURUSDf

1.0823

Commodities

GOLDf

$2,047 / oz

Bonds

NOTE10Yf

4.32%

Private credit

PCREDf

9.2% APY

Catalogue

Browse all tokens

See the catalogue →

Indicative levels · live data via /v1/positions2026

Built for

Crypto walletsInvesting alongside the existing balance
ExchangesFrom crypto into global markets
NeobanksIdle balances become investable portfolios
Fintech appsSelf-directed investing embedded in the app
Wealthtech platformsTokenized public-market exposure globally
THE INVESTMENT AND TRADING PRODUCTS YOUR USERS ALREADY WANT

Guaranteed 10% revenue uplift in 90 days.

Your users are already moving money to Robinhood, Coinbase, and Revolut to invest. Capture that flow inside your app.

Integration runs about a day. Talk to us to see how Flo can uplift your revenue by 10% in 90 days, scoped to your user base, asset mix, and average balance.

New per-user revenue

Spread on mint and redeem, lending interest spread, and margin financing flow back to the partner on every transaction.

AUM you collect on

Every user balance becomes assets under management for the partner, every day, on every supported asset class.

Sticky engagement

Idle stablecoin balances turn into productive ones. Users open the app for trading, yield, and borrow inside the same surface.

Book an intro callGet SDK key
THE WIDEST ASSET COVERAGE

The widest asset coverage in one surface.

Seven asset classes in the catalogue, 423 wrapped tokens live today, the same SDK shape across every one. Traditional assets are backed 1:1 at Interactive Brokers and Alpaca; crypto runs on-chain natively.

Stocks

Global equities, tokenized 1:1.

  • 5,000+ stocks across US, EU, UK, Japan, India, and Brazil
  • Backed 1:1 at Interactive Brokers and Alpaca, in segregated brokerage accounts
  • Total-return treatment: dividends and corporate actions accrue to NAV per token
POST /v1/mintTypeScript
const order = await flo.mint({
  asset: "AAPLf",
  notional_usdc: "1000.00",
  developer_fee_bps: 25,
  settlement: {
    currency: "USDC",
    chain: 8453,
    wallet: "0x4a8B…3c9D",
  },
});
ResponseTypeScript
{
  status: "settled",
  asset: "AAPLf",
  filled_quantity: "5.4771",
  developer_fee: "$2.50",
  tx: "0xf2…a19c"
}
POST /v1/mintPython
order = flo.mint(
    asset="AAPLf",
    notional_usdc="1000.00",
    developer_fee_bps=25,
    settlement={
        "currency": "USDC",
        "chain": 8453,
        "wallet": "0x4a8B…3c9D",
    },
)
ResponsePython
{
    "status": "settled",
    "asset": "AAPLf",
    "filled_quantity": "5.4771",
    "developer_fee": "$2.50",
    "tx": "0xf2…a19c"
}

ETFs

Index access in one mint.

  • 2,000+ ETFs across equity, bond, commodity, sector, and thematic
  • Monthly / Quarterly distributions reinvest into NAV automatically
  • One-line exposure to every index the user already knows by name
POST /v1/mintTypeScript
const order = await flo.mint({
  asset: "SPYf",
  notional_usdc: "1000.00",
  developer_fee_bps: 25,
  settlement: {
    currency: "USDC",
    chain: 8453,
    wallet: "0x4a8B…3c9D",
  },
});
ResponseTypeScript
{
  status: "settled",
  asset: "SPYf",
  filled_quantity: "1.8232",
  developer_fee: "$2.50",
  tx: "0x81…bd04"
}
POST /v1/mintPython
order = flo.mint(
    asset="SPYf",
    notional_usdc="1000.00",
    developer_fee_bps=25,
    settlement={
        "currency": "USDC",
        "chain": 8453,
        "wallet": "0x4a8B…3c9D",
    },
)
ResponsePython
{
    "status": "settled",
    "asset": "SPYf",
    "filled_quantity": "1.8232",
    "developer_fee": "$2.50",
    "tx": "0x81…bd04"
}

Forex

Cross-border pairs, on-chain.

  • 29+ pairs across majors, crosses, minors, and emerging-market NDFs
  • Settles in stablecoin against the user's local rate, 24/7
  • One SDK call for spot and non-deliverable forward exposure
POST /v1/mintTypeScript
const order = await flo.mint({
  asset: "EURUSDf",
  notional_usdc: "10000.00",
  developer_fee_bps: 25,
  settlement: {
    currency: "USDC",
    chain: 8453,
    wallet: "0x4a8B…3c9D",
  },
});
ResponseTypeScript
{
  status: "settled",
  asset: "EURUSDf",
  filled_quantity: "9237.42",
  developer_fee: "$25.00",
  tx: "0x4c…77ed"
}
POST /v1/mintPython
order = flo.mint(
    asset="EURUSDf",
    notional_usdc="10000.00",
    developer_fee_bps=25,
    settlement={
        "currency": "USDC",
        "chain": 8453,
        "wallet": "0x4a8B…3c9D",
    },
)
ResponsePython
{
    "status": "settled",
    "asset": "EURUSDf",
    "filled_quantity": "9237.42",
    "developer_fee": "$25.00",
    "tx": "0x4c…77ed"
}

Commodities

Hard-asset diversification.

  • 30+ commodities across metals, energy, agriculture, softs, and livestock
  • Backed by spot or near-month futures positions at the prime broker
  • Inflation-hedge exposure delivered as one ERC-20 the user holds
POST /v1/mintTypeScript
const order = await flo.mint({
  asset: "GOLDf",
  notional_usdc: "5000.00",
  developer_fee_bps: 25,
  settlement: {
    currency: "USDC",
    chain: 8453,
    wallet: "0x4a8B…3c9D",
  },
});
ResponseTypeScript
{
  status: "settled",
  asset: "GOLDf",
  filled_quantity: "2.4423",
  developer_fee: "$12.50",
  tx: "0xa1…c8b2"
}
POST /v1/mintPython
order = flo.mint(
    asset="GOLDf",
    notional_usdc="5000.00",
    developer_fee_bps=25,
    settlement={
        "currency": "USDC",
        "chain": 8453,
        "wallet": "0x4a8B…3c9D",
    },
)
ResponsePython
{
    "status": "settled",
    "asset": "GOLDf",
    "filled_quantity": "2.4423",
    "developer_fee": "$12.50",
    "tx": "0xa1…c8b2"
}

Private credit

Highest-yield asset on Flo.

  • Senior secured private credit programs from institutional originators
  • Issued under the same Liechtenstein FMA base prospectus as every other asset
  • Program-level minimums and accreditation gating applied by the partner at the user layer
POST /v1/mintTypeScript
const order = await flo.mint({
  asset: "pCREDf",
  notional_usdc: "25000.00",
  developer_fee_bps: 25,
  settlement: {
    currency: "USDC",
    chain: 8453,
    wallet: "0x4a8B…3c9D",
  },
});
ResponseTypeScript
{
  status: "settled",
  asset: "pCREDf",
  filled_quantity: "25000.0000",
  yield_net: "9.20% APY",
  developer_fee: "$62.50",
  tx: "0x77…f193"
}
POST /v1/mintPython
order = flo.mint(
    asset="pCREDf",
    notional_usdc="25000.00",
    developer_fee_bps=25,
    settlement={
        "currency": "USDC",
        "chain": 8453,
        "wallet": "0x4a8B…3c9D",
    },
)
ResponsePython
{
    "status": "settled",
    "asset": "pCREDf",
    "filled_quantity": "25000.0000",
    "yield_net": "9.20% APY",
    "developer_fee": "$62.50",
    "tx": "0x77…f193"
}
PRIME-BROKER SERVICES OUT OF THE BOX

Prime-broker services out of the box.

Trade, Invest, Lend, Borrow, and Leverage. All through the same SDK.

TRADE

Mint and redeem any tokenized asset.

One SDK call mints exposure for the user and settles instantly in stablecoin. Redeem the same way: burn the token, receive stablecoin in the user's wallet. Stocks, ETFs, commodities, FX, and tokenized funds, all from the same surface.

EARN

Supply tokens to on-chain pools.

Users supply stablecoins or tokenized assets to lending vaults and earn all-in lending yield. Withdraw anytime subject to available liquidity. Earn spread on every lending yield.

BORROW

Margin and leverage against the portfolio.

Users borrow stablecoin against tokenized collateral at varying borrow rates. Repay anytime and withdraw your collateral. Earn spread on every borrow rate.

What it costs to integrate

Nothing per transaction. No setup fee, no monthly minimum, no annual contract.

Free to integrate. Free in sandbox. Free per transaction. The price your user pays and the markup you keep are entirely yours; Flo never takes a cut. Production access on day one, full SDK, every supported asset and chain.

Two ways to take your margin

MODE A

Keep your own markup.

Already bill your users in your product? Charge them there, send Flo only the net amount to invest. Flo never touches your markup, and there is nothing to reconcile against Flo.

MODE B

Flo collects and pays you.

Pass a fee in basis points on any call. Flo accrues it on-chain to a wallet you control and settles to you daily in USDC. No billing system to build.

Download commercialsPDF · one page · no form
PARTNERS

Partners behind every Flo token.

Prime brokers

2 partners

Interactive Brokers
SEC-registered. Customer property in segregated brokerage accounts.
Alpaca Securities
SEC-registered. Secondary broker for redundancy with native fractional support.

Smart-contract audits

4 partners

Sherlock
Mint and redeem controllers.
Halborn
Token contracts and bridge adapter.
Cantina
Position ledger and CCIP bridge adapter.
Cyfrin
Borrow vault and liquidation engine.

Networks

3 partners

Arbitrum
Settlement chain. Token issuance, NAV, and trade execution.
Base
Deposit and withdrawal. Stablecoin in/out.
Ethereum
Deposit and withdrawal. Stablecoin in/out.
Slots open this week

See the revenue uplift math.

No deck reading required. We work from your numbers and walk you through what a 10% revenue uplift looks like for your stack.

  • Your projected revenue uplift over 90 days, based on your user base
  • How the integration looks inside your app, with a working demo
  • The 10% revenue guarantee, in plain language
  • Integration timeline, scoped to your stack
Book an intro callGet sandbox keys
✓Hosted by Flo's founder✓ Integration in about a day✓ 10% revenue uplift in 90 days
Book an intro call · Founder-hosted