Tokenize UNH via API
UnitedHealth Group as a 1:1-backed onchain ERC-20. Mint, redeem, and post as collateral with one SDK call. Mint and redeem are asynchronous via an on-chain order_id; the terminal action lands via settle(order_id) on the custodian cycle (T+1).
What Flo supports for UNH
Three primitives, one API key. UNHflows through the same path as the rest of Flo's tokenized equities universe.
Mint UNH →
Create tokenized UNH from stablecoin payment. Onchain delivery is instant; the broker buys the underlying UnitedHealth Group share at NYSE during market hours.
Redeem UNH →
Burn tokenized UNH and receive stablecoin. Flo Finance sells the underlying UnitedHealth Group share at the institutional custodian; your user gets stablecoin instantly.
Borrow against UNH →
Post tokenized UNH as collateral and borrow USDC/USDT up to 70% LTV. Liquidations route through the same custody pipe.
Mint tokenized UNH in one call
The same shape works for every ticker in the universe, swap the symbol and you're done.
// Mint tokenized UNH (UnitedHealth Group) — notional-in default
const mint = await flo.mint({
asset: "UNH",
notional_usdc: "1000.00", // pay-in. SDK derives min_quantity from quote * (1 + slippage_bps).
slippage_bps: 50, // 0.50%. Default if omitted.
settlement: {
currency: "USDC", // per-chain accepted set in /v1/chains
chain: 8453, // Base. EIP-155 integer chain ID.
wallet: userWalletAddress,
},
gas: { sponsor: "developer" },
});
// mint.status is "active" with mint.order_id set on chain (or "queued" out-of-session).
// UNH ERC-20 tokens land via settle(order_id) once the custodian leg confirms.
// Flo Finance holds the underlying UnitedHealth Group shares at an institutional custodian, 1:1.Comparable assets via Flo
Other healthcare and NYSE names supported by the same API.
UNH on Flo, common questions
Can I tokenize UNH via Flo?
Yes. UNH (UnitedHealth Group) is part of Flo's tokenized equities universe. A POST to /v1/mint with asset=UNH and a notional_usdc amount returns a tokenized UNH ERC-20 1:1 backed by UnitedHealth Group shares held at an institutional custodian by Flo Finance.
How is tokenized UNH backed?
Each onchain UNH token is 1:1 backed by a real UnitedHealth Group share held at institutional custodians by Flo Finance. Reserves are attested daily and published on /transparency/proof-of-reserves.
What is the settlement window for UNH?
Mint and redeem are asynchronous via an on-chain order_id. The create-order tx is atomic; the terminal action (live token mint or stablecoin payout) lands via settle(order_id) on the custodian cycle. NYSE settles T+1 in USD, so the custodian leg for UNH clears on that cycle.
Can I borrow stablecoins against UNH?
Yes. Tokenized UNH is collateral-eligible in the Flo borrow product as a large-cap equity, with a three-margin model — initial 70% (max LTV at open), maintenance 75% (alerts begin via borrow.maintenance_breach), liquidation 78% (keepers auto-close on a 30-second TWAP, no grace window). APR is a floating rate set by the pool's utilization curve (kinks at 75% and 90%). See /docs#borrow-overview for the full state machine.
Which chains is UNH deployed on?
Tokenized UNH is deployable on Base, Arbitrum, Ethereum. Pass the EIP-155 integer chain ID on the settlement object (8453 for Base, 42161 for Arbitrum, 1 for Ethereum). String slugs are not accepted on input; see /docs#rest-chains.
Ship tokenized UNH to your users
Mint, redeem, sandbox, and webhooks are free. No setup fee, no monthly minimum, no annual contract. Get an API key and mint your first tokenized UNH in minutes.