Frequently asked questions

No. Flowers Foods is a US bakery products company traded on the NYSE under the FLO ticker. Flo Finance (flo.finance) is an unrelated fintech infrastructure company. We share no common ownership, leadership, or business activity.

No. Flo Health is a London-based health-tech company that builds a menstrual-cycle tracking application. Flo Finance is a separate company building Simple SDK for Tokenized Stocks: one SDK for fintechs, crypto apps, and neobanks to offer tokenized stocks, treasury yield, commodities, FX, ETFs, and fixed income. We are unrelated entities.

No. Flow Traders is a Dutch proprietary trading firm and ETF market maker. Flo Finance is a fintech infrastructure company providing an API for tokenized securities. We are unrelated and have no commercial relationship.

No. FLO is a separate, older cryptocurrency project unrelated to Flo Finance. Our product runs as smart contracts on Base, Arbitrum, and Ethereum, we do not operate our own Layer 1 chain.

Flo Finance is Simple SDK for Tokenized Stocks: one SDK with first-party client libraries for TypeScript (Node.js) and Python that fintechs, crypto apps, neobanks, wallets, and onchain applications use to offer tokenized stocks, treasury yield, commodities, FX, ETFs, fixed income, and private credit to their users. Backed 1:1 in segregated brokerage accounts at Interactive Brokers and Alpaca Securities, settled in stablecoins. One integration consolidates what would otherwise require separate broker-dealer, custodian, and tokenization vendor relationships.

Flo Finance routes orders through two SEC-registered prime brokers: Interactive Brokers and Alpaca Securities. The order-routing layer selects the broker with better execution for each specific security, with automatic failover if one broker has degraded service. Most other tokenization platforms in this category route exclusively through a single broker.

Every primitive (mint, redeem, supply, withdraw, borrow, repay) is asynchronous via an on-chain order_id model. The SDK call submits one on-chain tx that atomically pulls or burns the user's assets and creates an order on chain. The terminal action — live token mint, stablecoin payout, lending-vault share mint, loan disbursement — happens in a separate tx via settle(order_id) after the broker leg or pool leg confirms. The broker leg follows industry-standard cycles (T+1 for US equities since May 2024, typically T+2 for other markets and outside core market hours, monthly or quarterly for private credit redemption). There is no inline-from-pool fast path. We make this explicit because the credibility of the tokenized-securities category depends on honest settlement framing.

No, by construction. The create-order tx does transferFrom and createOrder atomically. settle(order_id) reads the order's on-chain status before doing anything; if the order isn't ACTIVE on canonical chain state, settle reverts. Because settle depends on storage written by the create-order tx, no reorg can leave Flo with a settled mint and a missing payment. The double-spend window is closed at the contract level rather than statistically by waiting for finality.

If the broker leg fails, Flo's keeper calls cancel(order_id) on chain. The order is nullified and the held stablecoin (or burned tokens, or locked collateral) is returned to the source wallet in the same tx. No live tokens are ever minted without broker confirmation. If the keeper itself goes down, every order has a per-asset recovery window (default 4 hours for sync-fillable assets, 48 hours for async-fillable). After the window, the source wallet can call orderContract.user_cancel(order_id) directly to recover the held assets. No trust assumption on Flo's keeper running.

No. The DTCC continues to clear the underlying share trades. SWIFT continues to handle correspondent fiat banking where it's used. Flo Finance provides a programmable layer above these regulated rails, it does not displace them. Anyone in this category claiming to displace DTCC-side settlement is overclaiming.

Base, Arbitrum, and Ethereum. Cross-chain movement of tokenized positions is handled via Chainlink CCIP. We add chains based on partner demand rather than chain-team partnerships.

Flo distributes dividends and shareholder voting rights wherever possible. Dividends and corporate actions are distributed to token holders in the form of an increase in the NAV value of the underlying tokens. Flo Capital SPC's broker receives the distribution (net of any applicable issuer-country withholding tax), reinvests the net cash into more of the same underlying, and the higher shares-per-token ratio is reflected in NAV per token. Token supply stays the same. Stock splits follow the same logic: Flo Capital SPC's share count adjusts by the split ratio and NAV per token reflects the new shares-per-token ratio. Holders capture the value as token-price appreciation, and can convert any portion to cash at any time via the redeem endpoint. Voting rights are passed through wherever the broker-dealer permits, and exercised on behalf of Flo Capital SPC by default. Cash M&A redeems notes at the deal price on closing.

As an increase in NAV per token. Flo is a total-return wrapper: Flo Capital SPC's broker receives every dividend, coupon, and accrual on the underlying (net of any applicable issuer-country withholding tax) and reinvests the net cash into more of the same underlying. Flo Capital SPC's holdings rise; token supply stays the same; NAV per token rises by the corresponding amount, captured in the next /v1/positions read and the next proof-of-reserves snapshot. Holders see the distribution value as token-price appreciation, and can convert any portion of their position to stablecoin at any time via the redeem endpoint. The same uniform mechanic applies across stocks, treasury yield, commodities, FX, ETFs, fixed income, and private credit.

Flo serves non-US, non-sanctioned, non-restricted jurisdictions. The notes are offered to investors across the European Economic Area under the FMA-approved Liechtenstein base prospectus passported under the EU Prospectus Regulation, and to non-US users in other supported jurisdictions through our broker-dealer and custodial relationships. Token contracts are permissionless ERC-20s with no on-chain wallet allowlist, and Flo does not gate mint or redeem on end-user attributes. Your compliance team can request the current jurisdiction matrix at compliance@flo.finance.

Yes. Token contracts are permissionless ERC-20s with no on-chain wallet allowlist. Mint, redeem, and secondary transfer are not gated by Flo on end-user attributes; secondary transfers move freely under EU/EEA law.

The structure is multi-jurisdictional. The security tokens themselves are governed by Swiss law as structured notes. The offering is documented under a base prospectus filed with and approved by the Liechtenstein Financial Market Authority (FMA), passportable across the European Economic Area under the EU Prospectus Regulation. The issuer entity is Flo Global Markets Ltd. (BVI), which onboards the investor and runs counterparty AML and sanctions screening. Flo Global Markets Ltd. is the sole investor in Flo Capital SPC (Cayman), a bankruptcy-remote Segregated Portfolio Company with an independent director that holds the underlying securities. Those securities sit in segregated brokerage accounts at SEC-registered broker-dealers (Interactive Brokers and Alpaca Securities), in the name of Flo Capital SPC. The full document pack, prospectus, BVI and Cayman legal opinions, US securities memo, custody letter, is available under NDA via compliance@flo.finance.

Alpaca operates as a self-clearing broker-dealer; integrating Alpaca directly means a single-broker dependency for your stack. Alpaca currently clears the majority of tokenized US equity volume, including for Ondo, Dinari, and several other tokenizers. Flo Finance is an abstraction layer above the broker tier with two prime broker partners (Interactive Brokers and Alpaca), public-and-private market unification, and an honest settlement-claims framework that explains where liquidity-backed settlement applies and where the broker-dealer cycle takes over.

Dinari operates an SEC-registered Broker Dealer subsidiary (CRD 329672) that routes clearing through Alpaca; dShares distribute dividends and voting rights as cash and on-chain governance respectively. Flo distributes dividends and shareholder voting rights wherever possible: dividends and corporate actions are distributed in the form of an increase in the NAV value of the underlying tokens (total-return), and voting is passed through wherever the broker-dealer permits. Flo Finance also runs two prime brokers (Interactive Brokers and Alpaca) rather than single-broker dependency, covers public-and-private markets through one integration, and stays chain-agnostic rather than running its own L1.

Ondo Global Markets is the largest tokenized public-equity platform by TVL, with multi-chain distribution and same-day IPO tokenization. GM tokens are wrapped exposure. Flo distributes dividends and shareholder voting rights wherever possible: dividends and corporate actions are distributed in the form of an increase in the NAV value of the underlying tokens (total-return), and voting is passed through wherever the broker-dealer permits. Flo Finance is also a developer-API layer rather than a consumer-facing tokenization brand, so the same fintech that uses Flo Finance can offer their users white-labeled tokenized exposure without surfacing our brand.

Backed (xStocks) issues EU-regulated tracker certificates designed for permissionless DeFi composability; the token represents a claim against Backed as the issuer. Flo's notes are issued by Flo Global Markets Ltd. (BVI), with 1:1 share custody held by Flo Capital SPC (Cayman), a bankruptcy-remote Segregated Portfolio Company, in segregated brokerage accounts at SEC-registered broker-dealers. Flo distributes dividends and shareholder voting rights wherever possible: dividends and corporate actions are distributed in the form of an increase in the NAV value of the underlying tokens (total-return), and voting is passed through wherever the broker-dealer permits. Flo is designed for embedded fintech use cases rather than DeFi-native distribution.

Direct broker-dealer integration (DriveWealth, Apex, Alpaca direct) typically takes 9 to 15 months, requires 4 to 6 dedicated engineers, costs $250K to $500K in annual broker minimums, and demands a dedicated compliance and operations team. Flo Finance compresses the integration to 4 to 8 weeks at zero starting cost: mint, redeem, sandbox, position reads, and webhooks are free, with no setup fee, no monthly minimum, and no annual contract. Flo charges nothing per transaction; partners set the price their users pay and keep the entire markup, settled to a partner-controlled wallet daily in USDC. For most fintechs, the math has flipped from build to buy.

Nothing. Mint, redeem, sandbox, position reads, and webhooks are free. No setup fee, no monthly minimum, no per-API-call charge, no annual contract. Flo charges nothing per transaction. Partners set the price their users pay on every mint, redeem, and borrow and keep the entire markup; pass developer_fee on the call and Flo settles the markup to a partner-controlled wallet daily in USDC. Get an API key at flo.finance/get-started, or write to hello@flo.finance.

Full developer docs are at flo.finance/docs, including a quickstart, full SDK reference for every endpoint (mint, redeem, positions, borrow, bridge, fees), webhook events, idempotency rules, and client libraries for TypeScript (Node.js) and Python.

Smart contracts are audited by four independent firms: Sherlock, Halborn, Cantina, and Cyfrin. Proof of reserves runs on a two-layer daily cadence: a daily Merkle-root snapshot at 00:00 UTC posted on-chain, and a daily third-party attestation by Accountable served via public API, diffing broker-side positions against the contract's total supply. If the diff drifts past two basis points, new mints halt automatically until the SPC operator reconciles.

Flo Finance is a remote-first company with team members across the US, India, and Latin America. The operating entity is Flo Finance, Inc., incorporated in Delaware. Tokens are issued by Flo Global Markets Ltd. (BVI), the issuer entity, with underlying assets held by Flo Capital SPC (Cayman), a bankruptcy-remote Segregated Portfolio Company. Security tokens are governed by Swiss law and offered under an FMA-approved Liechtenstein base prospectus.