Pay as you go. No upfront commitments.
Cost-plus-markup on trades — tier rate charged on each leg (open and close). Borrow 6–9% APR across every asset class. Startup tier has no monthly minimum; upgrade or downgrade anytime with day-level pro-ration. Failed trades cost zero.
Every price and every feature. One table.
Pick monthly or yearly billing — yearly is 10% off. Change tier anytime with day-level pro-ration. Trade cost is cost + Flo markup— hover “Cost” in the trade row to see what’s passed through.
| Plan | Startup Free No monthly minimum. Pay only for what you use. Start free | GrowthPopular $899 / mo Production-grade infrastructure at a startup price. Get started | Scale $3,599 / mo Segregated infra, dedicated SE, 99.95% SLA. Get started | Enterprise $8,999 / mo Named SA, 99.99% SLA, white-glove launch. Get started |
|---|---|---|---|---|
| Pricing | ||||
| Best for | Prototypes, hackathons, solo builders, early-stage startups. | Consumer neobrokers, yield aggregators, DeFi front-ends with product-market fit. | Regulated fintechs, institutional platforms. | Banks, large broker-dealers, tier-1 consumer fintechs. |
| Variable rates (indicative, subject to market conditions) | ||||
| Trade (open / close) | Passed through at cost, no Flo markup01On-ramp / off-ramp costThe cost to move fiat into and out of the prime broker system at the moment of fill. Whatever the on-ramp partner charges, Flo passes through at cost.02Broker trading feesExecution fees at Flo's prime broker partners or securitization partners, including venue and clearing fees.03SlippageThe bid/offer at the moment of fill. Tight during the core session, wider outside. Passed through at cost with no markup. + 0.10% | Passed through at cost, no Flo markup01On-ramp / off-ramp costThe cost to move fiat into and out of the prime broker system at the moment of fill. Whatever the on-ramp partner charges, Flo passes through at cost.02Broker trading feesExecution fees at Flo's prime broker partners or securitization partners, including venue and clearing fees.03SlippageThe bid/offer at the moment of fill. Tight during the core session, wider outside. Passed through at cost with no markup. + 0.07% | Passed through at cost, no Flo markup01On-ramp / off-ramp costThe cost to move fiat into and out of the prime broker system at the moment of fill. Whatever the on-ramp partner charges, Flo passes through at cost.02Broker trading feesExecution fees at Flo's prime broker partners or securitization partners, including venue and clearing fees.03SlippageThe bid/offer at the moment of fill. Tight during the core session, wider outside. Passed through at cost with no markup. + 0.05% | Passed through at cost, no Flo markup01On-ramp / off-ramp costThe cost to move fiat into and out of the prime broker system at the moment of fill. Whatever the on-ramp partner charges, Flo passes through at cost.02Broker trading feesExecution fees at Flo's prime broker partners or securitization partners, including venue and clearing fees.03SlippageThe bid/offer at the moment of fill. Tight during the core session, wider outside. Passed through at cost with no markup. + 0.03% |
| Borrow APR (all asset classes) | 6–9% | 6–9% | 6–9% | 6–9% |
| Liquidation penalty | 5% | 5% | 5% | 5% |
| Access & capacity | ||||
| API keys per environment | 1 | 10 | Unlimited | Unlimited |
| Asset universe | 8,000+ — all of Flo's universe | 8,000+ — all of Flo's universe | 8,000+ — all of Flo's universe | 8,000+ — all of Flo's universe |
| Chains | Base, Arbitrum, Ethereum | Base, Arbitrum, Ethereum | Base, Arbitrum, Ethereum | Base, Arbitrum, Ethereum |
| RPS per key | 500 | 1,000 | 2,500 | 5,000 |
| Webhook retention | 30 days | 90 days | 1 year | 2 years |
| Support & SLA | ||||
| Support channel | Slack | Slack + email · 12h SLA | Dedicated Slack · 24h SLA | Named SA · 24/7 on-call |
| Uptime SLA | 99.5% best-effort | 99.9% | 99.95% + credits | 99.99% + custom credits |
| Incident notification | Status page | Status + email | Status + Slack + phone | Direct named-contact call |
| Ops & compliance | ||||
| Compliance packet (on request) | Cost-plus | Cost-plus | Cost-plus | Cost-plus |
| IP whitelist / VPN peering | — | — | Available | Included |
| Fee-collection destinations | 1 | 3 | 10 | Unlimited + split logic |
| Data & analytics | ||||
| Dashboard analytics (built-in) | Cohort + retention | Cohort + retention | Cohort + retention | Cohort + retention |
| Data access for your own dashboards | CSV monthly | CSV daily + query API | S3 bucket sync + query API | Dedicated ETL + BigQuery + direct DB access |
| Historical order/fill data | 30 days | 1 year | 2 years | All time |
| Commercial | ||||
| Annual prepay discount | 10% | 10% | 10% | 10–15% custom |
| Start free | Get API Key | Get started | Get started | |
Yearly pricing shows your price after the 10% annual-prepay discount. Pay 12 months upfront, auto-renew yearly, cancel anytime with no penalty.
Stack more discounts on top.
You're already saving 10% with yearly billing. These three stack on top of that. Every discount is automatic once you opt in.
Annual prepay
On monthly tier floor
Pay 12 months upfront and save 10% on your tier floor. Auto-renews yearly. Cancel anytime with no penalty — unused months are credited back.
Referrals
For you and the referral
Invite a builder. When they upgrade from Startup to Growth, both sides get $1,000 of bill credit. Credits stack. No cap.
Skip the integration slog.
Scale and Enterprise tiers have optional launch packages where a Flo engineer embeds with your team. Billed monthly for as long as integration runs. Typical duration: 1–3 months.
Scale — White-glove launch package
A Flo engineer embedded with your team. Custom webhook integrations, KYC flow wiring, live-fire QA. Billed monthly until launch. Typical duration: 1–3 months.
Enterprise — Integration contract
Dedicated Flo engineer(s) paired with your team. Custom compliance documentation, regulatory letter support, tailored webhook lane, production QA cycle with your auditors. Billed monthly until launch. Typical duration: 1–3 months.
Borrow rates by asset class.
APR is a flat 6–9% band across every tier and every asset class. What changes by asset class is the Max LTV — collateral quality differs between large-cap equities, government bonds, and private credit, so the safe borrowable fraction differs too.
What counts as an asset class
| Asset class | Max LTV | APR |
|---|---|---|
| Large-cap equities | 70% | 6–9% |
| Blue-chip ETFs | 75% | 6–9% |
| Government bonds | 85% | 6–9% |
| Corporate credit | 65% | 6–9% |
| Private credit | 40% | 6–9% |
Borrow rates are indicative and subject to change with market conditions. Rates update live at /v1/borrow/rates. APR band is flat across every tier; Max LTV varies by asset class.
Premium add-ons, unbundled.
À la carte. Turn on what you need, leave the rest off.
Gas sponsorship
Hide gas from your end users. Flo fronts gas on Base / Arbitrum / Ethereum and bills you at cost + $0.002. Aggregated daily and added to your monthly bill on the first of the next month.
Best for: Consumer apps, onboarding flows, agent-driven rebalancing
Sub-1s mint lane
Dedicated routing path with an SLA-guaranteed sub-1-second p50 mint and priority settlement ordering. Baseline tier is best-effort sub-1s; this lane makes it contractual with credits. Available Scale and above.
Best for: Market-makers, HFT integrations, agent wallets
NAV push oracle
Push NAV updates over WebSocket AND onchain (EIP-4626-compatible oracle). 15s tick during core hours, 60s outside. No polling.
Best for: Portfolio UIs, yield vaults, composable DeFi integrations
Corporate actions feed
Normalized feed of splits, dividends, mergers, spin-offs, reorgs across every asset Flo tokenizes. Signed, at-least-once webhook delivery.
Best for: Treasury apps, long-hold products, compliance teams
Webhook replay — extended
Replay any past event to any endpoint, up to 2 years back (default retention is 30 days).
Best for: Backfills, disaster recovery, audit teams
99.99% SLA
Published credits schedule (10% / 25% / 50% tied to downtime bands). Default SLA is 99.9% on paid tiers.
Best for: Regulated integrations, public-facing consumer apps
Know the fee before you commit.
Every SDK ships with .estimate() that returns the exact cost breakdown — no rate-limit cost, no funds moved.
1// Preview the exact cost before committing
2const quote = await flo.trade.estimate({
3 side: "open",
4 asset: "TSLA",
5 quantity: 50,
6 settlement: { currency: "USDC", chain: "base" }, // USDT also accepted
7});
8
9console.log(quote);
10// {
11// tier: "growth",
12// notional: "12500.00",
13// flo_bps: 7, // charged per leg — applies on open and on close
14// flo_fee: "8.75",
15// cost: {
16// onramp: "1.00",
17// broker: "0.50",
18// spread: "2.50"
19// },
20// total_fee: "12.75",
21// net_to_wallet: "12487.25"
22// }How does the monthly tier floor work?
Pick a tier in your dashboard. Every month you pay that tier's flat price via Stripe regardless of usage, plus whatever variable fees you incur on top. Upgrade or downgrade anytime with day-level pro-ration.
When is the trade fee charged — on open, on close, or both?
On both. The tier's rate (0.10% / 0.07% / 0.05% / 0.03%) is charged on each leg — once when you open the position and again when you close it. Round-trip cost for a Growth customer is therefore 0.07% on the way in plus 0.07% on the way out.
Is there a setup fee or commitment to go live?
No. There's no setup fee, no onboarding fee, no contract. You sign up, pick a tier, and go live the same day. The monthly tier floor is your entire commitment and it's month-to-month.
How is monthly billing handled?
All billing is automated. The monthly tier floor and any variable usage from the prior month are charged on the first of each month from the credit card on file via Stripe, with day-level pro-ration for mid-month upgrades. No manual invoicing.
What goes into the borrow rate?
The 6–9% APR band covers Flo's cost of capital, the onchain rails, the liquidation engine, margin-call infrastructure, and the SPV legal structure that lets users hold tokenized positions bankruptcy-remote. The band flexes inside 6–9% based on asset class and current book utilization.
Does Flo offer custody?
No. All tokenized positions are self-custodied in your users' wallets. Flo's SPV holds the underlying securities in bankruptcy-remote structure — you never take on custody risk. Settlement balances sit in a smart-contract escrow; you retain withdrawal rights.
How do I change tiers?
Dashboard toggle. Takes effect immediately, prorated to the day via Stripe. Downgrading Enterprise → Scale requires 30 days' notice so we can redeploy the named SA. No contract termination fees ever.
What if I only use Flo occasionally?
Stay on Startup — there's no monthly minimum. You only pay for what you actually use (trade fees, borrow spread). If your usage is zero in a month, your bill is zero. Upgrade to Growth once better variable rates, higher RPS, and the email SLA matter more than the $999 floor.
Start building — no setup fee, no minimum.
Sandbox is free. Startup tier has no monthly minimum — pay only for usage.