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 developer infrastructure for tokenized capital markets. 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 Ethereum, Base, Arbitrum, Optimism, and Solana — we do not operate our own Layer 1 chain.

Flo Finance provides a single API for fintechs, neobanks, wallets, and onchain applications to mint, redeem, borrow against, and reconcile tokenized capital-markets positions — backed 1:1 by securities held at SEC-registered broker-dealers, settled in stablecoins or fiat. One integration replaces 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.

Settlement is instant for the user-facing leg (your end user sees the token in their wallet immediately) and for your books (your fintech sees the position update in real time). The broker-exchange leg of the underlying share purchase still settles on industry-standard timelines (T+1 against the DTCC for US equities). Flo Finance absorbs the timing gap at the issuer level via segregated SPV custody, so your integrator UX is genuinely instant — but the broker leg is what it is. We make this distinction explicitly because the credibility of the entire tokenized capital markets category depends on it.

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.

Ethereum, Base, Arbitrum, Optimism, and Solana out of the box. Cross-chain movement of tokenized positions is handled via LayerZero. We add chains based on integrator demand rather than chain-team partnerships.

It depends on the underlying asset and the integration model. For 1:1 backed equities held under our SPV structure, dividends and corporate actions pass through to the integrator on standard timelines. Voting rights pass-through is configurable per integration and depends on the broker-dealer's permitting model. Discuss specifics with our team for your asset universe.

Jurisdictional gating happens at your integration layer rather than per-user at our infrastructure layer. Flo Finance supports integrators in 100+ jurisdictions through its broker-dealer and custodial relationships; the specific permitting depends on the asset type and your end-users' countries. Your compliance team can request the current jurisdiction matrix at 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 brokers (Interactive Brokers and Alpaca), public-and-private market unification, and an honest settlement-claims framework that distinguishes the user-facing leg from the broker-exchange leg.

Dinari operates an SEC-registered Broker Dealer subsidiary (CRD 329672) that routes clearing through Alpaca. dShares retain shareholder rights including dividends and voting where permissible. Flo Finance differs in three ways: two prime brokers rather than single-broker dependency, public-and-private market through one integration rather than public-equity only, and a chain-agnostic developer surface rather than the Dinari Financial Network 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 rather than full shareholder-rights pass-through. Flo Finance is a developer-API layer rather than a consumer-facing tokenization brand — 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 rather than a 1:1 backed share. Flo Finance routes through SEC-registered broker-dealers with 1:1 share custody, and is designed for embedded fintech use cases rather than DeFi-native distribution.

Direct broker-dealer integration (DriveWealth, Apex, Alpaca direct) typically takes 9–15 months, requires 4–6 dedicated engineers, costs $250K–$500K in annual broker minimums, and demands a dedicated compliance and operations team. Flo Finance compresses the integration to 4–8 weeks for $5K–$10K of starting cost (often credited against first-year usage for design partners). For most fintechs outside the very-large-enterprise tier, the math has flipped from build to buy.

We're recruiting 15 design partners and giving each $5K–$10K of integration credit. The deal: your engineer spends ~3–4 hours in our sandbox, hits real edge cases against your asset universe, and we pair with you on the integration. End of two weeks you tell us whether this is real or not. Email shailesh@flo.finance or book a call at calendly.com/flofinance/30min.

Full developer docs are at flo.finance/docs, including a quickstart, full API reference for every endpoint (mint, redeem, positions, borrow, bridge, fees), webhook contracts, idempotency rules, and SDKs for Python and Node.

Smart contracts are audited by Sherlock, Hellborn, and Cantina. Proof-of-reserves snapshots are published every block on-chain, with an independent attestor diffing broker-side positions against the contract's total supply. If the diff drifts past two basis points, new mints halt automatically until the SPV operator reconciles.

Flo Finance is a remote-first company with team members across the US, India, and Latin America. Legal entity: Flo Technologies Ltd.