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. Every token is 1:1 backed by the real underlying, held at institutional custodians, and settled in stablecoins. One integration consolidates what would otherwise require separate execution, custody, and tokenization vendor relationships.

Flo Finance routes orders through multiple institutional custodians. The order-routing layer selects the venue with better execution for each specific security, with automatic failover if one venue has degraded service. Most other tokenization platforms in this category route exclusively through a single venue.

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 custodian leg or pool leg confirms. The custodian 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 custodian 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 custodian 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 Finance's custodian receives the distribution (net of any applicable 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: the underlying 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 custodian permits, and exercised on behalf of the underlying position by default. Cash M&A redeems tokens at the deal price on closing.

As an increase in NAV per token. Flo is a total-return wrapper: Flo Finance's custodian receives every dividend, coupon, and accrual on the underlying (net of any applicable withholding tax) and reinvests the net cash into more of the same underlying. Underlying 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. 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.

Every Flo token is 1:1 backed by the real underlying asset — the actual stock, ETF, treasury, or commodity position — held at institutional custodians. Proof of reserves runs on a two-layer daily cadence: a Merkle-root snapshot posted on-chain and a third-party attestation by Accountable diffing custodian-side positions against the contract's total supply. If the diff drifts past two basis points, new mints halt automatically until reconciliation. Full documentation is available under NDA via compliance@flo.finance.

Integrating a single execution venue directly means a single-venue dependency for your stack. Flo Finance is an abstraction layer above execution with multiple institutional custodian partners, public-and-private market unification, and an honest settlement-claims framework that explains where liquidity-backed settlement applies and where the custodian cycle takes over.

Dinari's 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 custodian permits. Flo Finance also routes through multiple institutional custodians rather than single-venue 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 custodian 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 tracker certificates designed for permissionless DeFi composability; the token represents a claim against Backed. Flo tokens are 1:1 backed by the real underlying, held at institutional custodians, with daily proof-of-reserves attestation. 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 custodian permits. Flo is designed for embedded fintech use cases rather than DeFi-native distribution.

A direct custodian integration typically takes 9 to 15 months, requires 4 to 6 dedicated engineers, costs $250K to $500K in annual 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 custodian-side positions against the contract's total supply. If the diff drifts past two basis points, new mints halt automatically until reconciliation.

Flo Finance is a remote-first company with team members across the US, India, and Latin America. Every Flo token is 1:1 backed by the real underlying, held at institutional custodians, with daily proof-of-reserves attestation.