Free to integrate. Free per transaction. You keep the markup.
Flo charges you nothing per transaction. No setup fee, no monthly minimum, no per-API-call charge, no annual contract. You set the price your user pays on every mint, redeem, and borrow, and you keep the entire markup.
Flo charges you nothing per transaction.
You set the price your user pays. You keep the entire markup. Pass developer_fee on any mint, redeem, or borrow call and Flo accrues the markup to a wallet you control; settlement runs daily at 00:00 UTC in USDC, or on demand via the REST API.
Production access on day one. Full SDK, every supported asset, every live chain. Sandbox is unlimited. The mint and redeem flow stays free at every volume.
Three revenue lines, all yours.
Every Flo integration unlocks the same revenue surface: the markup you set on every transaction, the markup on every borrow you originate, and any vault management economics if you issue your own strategy on top.
Per-transaction markup
All yoursSet the price your user pays on every mint, redeem, and borrow.
Flo charges you nothing per transaction. Pass a developer_fee on the SDK call (amount_bps, amount_flat_usd, or both) and Flo accrues the markup to a wallet you control. Daily USDC settlement. Flo does not cap the markup, share in it, or surface it to your users.
Borrow origination markup
All yoursCharge a markup on every borrow you originate.
developer_fee on the borrow call works the same as on mint and redeem. Set a percentage, a flat amount, or both; Flo computes and accrues, daily USDC settlement to your destination wallet.
Vault management economics
All yoursIssue your own vault token. Keep the management and performance fees in full.
If you issue your own strategy on top of Flo, the management fee and the performance fee you charge your users are configured per-token and accrue to you. Same daily USDC settlement.
Every capability. Every partner. Day one.
No tiered access, no feature gating, no “contact sales for X.” Every partner ships against the full Flo platform from the first API key.
10 minutes to first mint
From npm install to a successful mint in 10 minutes. The sandbox runs the same SDK, webhooks, and settlement logic as production.
Multi-asset SDK
Stocks, commodities, FX, ETFs, and fixed income from a single integration. One auth flow, one webhook stream, one settlement asset.
Stablecoin settlement, 24/7
Mint and redeem any time, settled onchain in any stablecoin accepted on the chosen chain (set published live in Flo's chains catalog). No banking hours, no wire cutoffs.
Global by default
Issue to users in any jurisdiction your own license covers. Flo handles the prime broker leg; you handle your user relationship.
Sandbox and production parity
The sandbox runs the same SDK, the same webhooks, and the same settlement logic as production. Ship to production the moment integration testing passes.
Webhook event stream
Signed, at-least-once delivery for every mint, redeem, corporate action, settlement, and reconciliation event. Replay any past event from the dashboard.
Dashboard analytics
Cohort, retention, and per-asset volume reporting built in. Pull the same numbers via the query API for your own dashboards.
Compliance packet on request
SOC 2 Type II (in progress), audit reports, prime broker chain of custody, and the regulatory framework Flo operates under, ready for your compliance review.
Borrow against tokenized collateral.
APR is a floating rateset by the lending pool's utilization curve, with kinks at 75% and 90% utilization. Every position is governed by three asset-class-specific LTV thresholds: initial margin (max at open), maintenance margin (alerts begin), and liquidation margin (keepers auto-close on a 30-second TWAP). Lendable collateral at launch is restricted to large-cap equities and blue-chip ETFs.
Lendable collateral
Government bonds, corporate credit, and private credit aren't accepted as collateral today. Additional asset classes are onboarded as their oracle coverage and pool depth meet the borrow protocol's reliability thresholds.
| Asset class | Initial | Maintenance | Liquidation | APR |
|---|---|---|---|---|
| Large-cap equities | 70% | 75% | 78% | Floating · live |
| Blue-chip ETFs | 75% | 79% | 82% | Floating · live |
Borrow rates are indicative and subject to change with market conditions. Rates update live at /v1/borrow/rates. State machine and webhook semantics: see /docs#borrow-overview.
Earn variable yield on supported stablecoins.
Supplier yield is computed as borrower interest × utilization × (1 − reserveFactor). The pool runs a two-kink utilization curve, so the rate climbs gently up to 75% utilization, more steeply between 75% and 90%, and sharply above 90% to pull supply in and push borrowers to repay. Suppliers receive shares in a tokenized lending vault issued by Flo Global Markets Ltd. (BVI), not bank deposits.
Issued by Flo Global Markets Ltd. (BVI) under the FMA Base Prospectus, with assets held by Flo Capital SPC (Cayman). Position is an ERC-20 share representing a lending-vault claim, not a bank deposit.
Borrower interest, less the reserve factor, accrues to the vault NAV every block. No claim transactions. NAV pushed via supply.nav_updated webhook.
FIFO queue activates only when utilization reaches the cap. Queue position and ETA are exposed via API and webhook.
Borrow rates are indicative and subject to change with market conditions. Live curve parameters and supply APY are exposed at /v1/supply/rates.
Common questions about pricing
Not covered here? Email hello@flo.finance or write to enterprise@flo.finance for custom commercial terms.
What does it cost to integrate Flo?
Nothing. Mint, redeem, sandbox, position reads, and webhooks are free at the API layer. No setup fee, no monthly minimum, no per-API-call charge, no annual contract. Sandbox is unlimited. Production access on day one with full SDK and every supported asset across every live chain.
Can we charge our users a markup?
Yes. Flo charges you nothing per transaction. Pass a developer_fee on any mint, redeem, or borrow call (amount_bps, amount_flat_usd, or both) and the markup you set ledgers in real time and settles to a partner-controlled wallet daily in USDC. Flo does not cap, share in, or surface the markup to your users.
How does borrow pricing work?
APR is a floating rate set by the lending pool's utilization curve, with kinks at 75% and 90% utilization. Each borrow position is governed by three asset-class-specific LTV thresholds: initial margin (max LTV at open), maintenance margin (alerts begin), and liquidation margin (keepers auto-close on a 30-second TWAP). Lendable collateral at launch is restricted to large-cap equities and blue-chip ETFs. See /docs#borrow-overview for the full state machine.
Are there any custom commercial terms?
Custom SLA, lane-level controls, dedicated infrastructure, custom asset class onboarding, and named-contact commercial support are available on request via enterprise@flo.finance. The mint and redeem flow stays free at every volume.
What is Flo's regulatory model?
Flo provides software infrastructure. Tokens are issued by Flo Global Markets Ltd. (BVI) under the FMA-approved Liechtenstein Base Prospectus. Underlying securities are held by Flo Capital SPC (Cayman) at SEC-registered broker-dealers Interactive Brokers and Alpaca Securities. Partners hold the licenses appropriate to their user base and jurisdiction. Compliance pack documenting the chain of custody, SOC 2 Type II status (in progress), and the regulatory frameworks is available on request.
Start building. No setup, no minimum.
Get an API key, ship to production, set your own price, keep the markup.